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Protect My Car has underwritten extended car warranty plans for over 16 years. The provider is headquartered in St. Petersburg, Florida, but administers vehicle service contracts in almost every state, and Protect My Car reviews are generally positive.
Below, we’ll take a close look at the extended service contract provider’s coverage, average costs, claims process, and customer service. To find the right plan for your vehicle, we suggest getting a quote from Protect My Car, as well as from a few of the best extended car warranty companies.
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Best Maintenance Benefits
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Its Ambassador Maintenance Plan guarantees 25-50% off repairs, plus covered oil changes |
Protect My Car Highlights
Protect My Car is known for having some of the best maintenance benefits for extended auto warranty coverage. We rate this provider 4.5 out of a possible 5.0 stars, putting Protect My Car in third place alongside CarShield and autopom!.
Protect My Car extended warranties are available in every state other than Alaska, California, Hawaii, Missouri, Oklahoma, and Washington.
If you’re looking for a provider with good customer service and comprehensive coverage at affordable rates, Protect My Car might be a good fit for you. The Protect My Car vs. CARCHEX review found that both companies perform very well with customers.
Protect My Car Coverage
Protect My Car offers customers three coverage plans for peace of mind: Supreme, Select, and Driveline. Low-mileage vehicles qualify for the Supreme plan, the most inclusive of the three warranty plans. Owners of high-mileage or older cars should consider the Select or Driveline plan.
Here’s a breakdown of coverage for each plan:
| Details | Driveline Plan | Select Plan | Supreme Plan |
|---|---|---|---|
| Best Plan For: | New or low-mileage vehicles | Vehicles over 50,000 miles that don’t qualify for Supreme coverage | Vehicles 4 to 10 years old with over 80,000 miles |
| Comparable Type of Coverage | Bumper-to-bumper warranty | Highest level of stated-component coverage | Powertrain coverage |
| Maximum Length of Coverage | 5 years/100,000 miles | Varies | 5 years/125,000 miles |
| Engine | ? | ? | ? |
| Transmission | ? | ? | ? |
| Drive Axle | ? | ? | ? |
| Differential Assembly | ? | ? | ? |
| Cooling System | ? | ? | ? |
| Air Conditioning and Heating | ? | ? | ? |
| Electrical | ? | ? | ? |
| Timing Chain | ? | ? | ? |
| Front and Rear Suspension | ? | ? | |
| Select Brake System Components | ? | ? | |
| Turbo Charger | ? | ||
| Navigation | Varies |
You can also find sample contracts online, which bodes well for the company’s transparency.
Additional Benefits
Benefits that come with every Protect My Car extended warranty include:
- Tire rotations
- Free oil changes
- 24/7 roadside assistance
- Rental car reimbursement
- Towing to a licensed repair facility
Protect My Car offers above-average benefits and a 30-day money-back guarantee for customers who wish to cancel policies.
Warranty & Maintenance Combination Plans
Protect My Car also has Ambassador Maintenance Plans that provide vehicle service coverage to cars no longer eligible for a traditional extended warranty. Ambassador Plans come in three levels of coverage: Ambassador Platinum, Ambassador Elite, and Ambassador Pro. According to Protect My Car reviews, these plans are one of the reasons why many drivers prefer the provider for maintenance.
Ambassador Platinum: Covers most major components of your car after a 25% deductible and includes roadside assistance.
Ambassador Elite: Covers most major components of your car after a 50% deductible and includes roadside assistance.
Ambassador Pro: Covers most major components of your car after a 50% deductible, but leaves off roadside assistance.
The plans cover most car essentials, however, none cover navigation systems. Ambassador Platinum and Ambassador Elite both come with roadside assistance, but the Ambassador Pro plan does not.
Some benefits to all Ambassador policies by Protect My Car include:
- Flat tire service
- Lockout services
- Rental car reimbursement
- Free oil changes and tire rotations
- Guaranteed 25 to 50% off repairs
Ambassador Plan Exclusions
These benefits are impressive, but the Ambassador Policy does not cover every auto repair. Some items that the Ambassador plan won’t cover include:
- Rotors
- Brake pads
- Spark plugs
- Wear and tear items
Cost of Protect My Car Coverage Plans
Our research team found that Supreme coverage from Protect My Car costs about $58 to $96 a month for four years of coverage. There is also sometimes a down payment for activating coverage, ranging from $50 to $100.
Flexible payment plans are available and break up the overall pricing of Protect My Car extended warranties into somewhere between 36 and 48 different installments.
Based on our research, extended car warranty coverage costs about $636 per year of coverage, but monthly payments can vary significantly. Protect My Car quotes we received were higher than average compared to other providers.
All Protect My Car plans come with a $100 deductible, which is the price you’ll pay the repair shop when you bring your car in for a covered repair. The company will then cover the rest of your repair costs.
Protect My Car Quotes & Claims
To get a quote from Protect My Car, call 888-430-0227 or head to the quote tool at the bottom of this article. Protect My Car also has an online quote tool that can get you in touch with a customer service representative.
When you need to file a claim, Protect My Car reviews suggest that it can be pretty difficult to get coverage approved. This is somewhat concerning, since the entire point of an extended warranty is to protect your vehicle in times of trouble.
Call roadside assistance if you need a tow or other mechanical work that can be conducted roadside. After that, take your car to a licensed repair facility of your choice, which will reach out to the provider for payment. Protect My Car reviews show that mechanics have had trouble getting in touch with the company, though.
Protect My Car Reviews
Despite having been in business for over 16 years, Protect My Car reviews don’t reflect the company’s long history. Protect My Car is not accredited by the Better Business Bureau (BBB), though it does have an A+ rating. Protect My Car has over 600 customer reviews on the BBB, rating the company an average of 4.56 stars. The provider also boasts a 4.5-star rating on Trustpilot.
Positive Protect My Car Reviews
Positive Protect My Car reviews on the BBB detail the company’s knowledgeable customer service representatives and great coverage options.
“I have really enjoyed the service I have received from Protect My Car. They have been prompt and respectful, and really helpful when I need them. They have also made it so easy for the mechanic to get paid without delay.” – Jesse via Trustpilot
“Quality customer service as well as reasonable coverage and claim approval process. I have saved approximately $500 on repairs in the last two years, as well as a heightened peace of mind.” – Chethan Lai via Google Reviews
Negative Protect My Car Reviews
Negative Protect My Car reviews detail trouble getting coverage for car repairs under warranty, difficulty getting a prorated refund upon cancellation, and complaints by mechanics having trouble getting claims approved.
“I have been dealing with this company for 7 years, and every time I have my car repaired, they find an excuse to deny the claim. They are nearly impossible to get on the phone, and when you finally do, invariably they disconnect you.” – Dave L via BBB
“Not worth the price or the frustration. There is no communication or follow-up with the dealership or the customer. Every time you call, you’re placed on hold for half an hour before they disconnect you. Out of my $5,000 bill, they covered less than $1,000.” – City Island Physical Therapy via Google Reviews
A mix of positive and negative customer reviews is to be expected with any extended car warranty company. Protect My Car reviews are largely positive and speak to an above-average customer service experience.
Conclusion: Maintenance Coverage May Be Worth The Extra Cost
Protect My Car offers comprehensive extended warranty coverage at average prices. However, your plan includes oil changes and tire rotations, which are rarely included in vehicle service contracts. These perks may be what increases the overall cost of coverage.
Protect My Car reviews largely favor the business and point toward the company’s positive business practices and excellent customer service reputation.
We recommend getting quotes from Protect My Car and other reputable extended car warranty companies. This way, you can compare quotes to make sure you’re paying the best rates for the most comprehensive coverage. Drivers looking for the best extended car warranty protection should also check out our Endurance warranty review, CARCHEX review, and CarShield review.
| Best Overall | Best for Used Cars | Low-Cost Plans |
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| Endurance | CARCHEX | Select Auto Protect |
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| Get Quote | Get Quote | Get Quote |
| (866) 990-3410 | (866) 950-7122 | (860) 294-4933 |
Frequently Asked Questions
Is Protect My Car legit?
Yes, Protect My Car reviews reveal that the company is a reputable provider backed by high BBB and Trustpilot customer reviews. In our extended car warranty review, we gave Protect My Car 4.5 stars overall.
How much does Protect My Car cost?
Extended car warranty prices depend on your vehicle make, mileage, and age. Based on our research, Protect My Car’s Supreme Plan costs about $58 to $96 a month for four years of coverage. Compared to other car warranty providers, Protect My Car’s costs are about average.
How does Protect My Car work?
Protect My Car offers standard extended car warranties as well as maintenance-warranty combination plans. If a mechanical breakdown occurs, Protect My Car covers the repair bill. You’re only responsible for a deductible and the cost of the contract. If you’ve opted for one of Protect My Car’s combination plans, routine maintenance services are also covered.
Original article: Protect My Car Reviews, Cost, Coverage, & Service (2021)
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