Protect My Car Reviews, Costs, & Coverage (July 2022)

Affiliate disclosure: Automoblog and its companions could also be compensated while you buy the merchandise under.

Protect My Car (PMC) is a veteran of the prolonged automobile guarantee {industry}, having underwritten plans for greater than 16 years. The supplier administers car service contracts in virtually each state, and Protect My Car critiques are typically optimistic.

Below, we’ll take a detailed have a look at the prolonged service contract supplier’s protection, common prices, claims course of, and customer support. To discover the fitting safety plan on your car, we propose evaluating Protect My Car to another suppliers on our record of the most effective prolonged automobile guarantee corporations.

Protect My Car Review

In our industry-wide examine of the highest prolonged guarantee suppliers, Protect My Car earned a 4.2 out of 5.0-star score, inserting it fourth amongst all suppliers.

What stands out concerning the firm is its a number of upkeep plan choices, which is why it earned the award for “Best Maintenance Plans.” These plans, which cowl lots of the companies that hold your automobile wholesome, additionally embody some enticing advantages.

Protect My Car Highlights

Founded: 2005
Headquarters: Saint Petersburg, Florida
Coverage Levels: 3

Protect My Car has been providing car service contracts for practically 20 years. As a end result, it has earned a powerful repute amongst {industry} professionals and prospects alike.

Extended warranties from Protect My Car can be found in each state besides Alaska, California, Hawaii, Missouri, Oklahoma, and Washington.

Protect My Car Extended Warranty Costs

Our analysis crew discovered that Supreme protection from Protect My Car prices about $58 to $96 a month for 4 years of protection. There can be typically a down cost for activating protection, starting from $50 to $100.

Based on our analysis, prolonged automobile guarantee protection prices about $636 per 12 months on common, however month-to-month funds can differ considerably. Protect My Car quotes we acquired had been greater than the {industry} common.

Deductibles

Depending on which Protect My Car prolonged guarantee plan you select, you’ll pay the restore store your $100 or $200 deductible while you carry your automobile in for a coated restore. The firm will then cowl the remainder of your restore prices.

Flexible Payment Plans

Protect My Car is among the extra versatile suppliers in relation to the way you pay for protection. When you purchase a plan from PMC, you’ll have the choice to decide on cost phrases between 36 and 48 months. You also can select to pay for protection upfront.

Protect My Car Coverage

Protect My Car provides three prolonged automobile guarantee plans, ranging in protection and price.

Supreme

The Supreme plan is akin to a producer’s guarantee on a brand new automobile with low miles. Like a manufacturing unit guarantee, the Supreme plan is exclusionary protection. That means this protection plan covers the whole lot that’s not particularly listed as an exclusion in your paperwork.

Select

The Select plan is obtainable for autos with extra 50,000 miles that don’t meet the necessities for the Supreme plan. Although it’s stated-component protection, it covers practically the whole lot the Supreme plan covers, the exceptions being your automobile’s navigation system and turbocharger.

Driveline

The Driveline plan is obtainable for older automobiles 4 to 10 years outdated with greater than 80,000 miles. This plan nonetheless covers the drive axle and the remainder of the powertrain system, alongside along with your automobile’s cooling and electrical programs. It doesn’t cowl the entrance and rear suspension, navigation, or turbocharger programs.

Protect My Car Warranty Coverage Details

The desk under exhibits which programs and parts every PMC guarantee plan covers – and which of them it doesn’t.

Both the Supreme and Select plans include a $100 deductible, whereas the Driveline plan comes with a $200 deductible. You also can discover pattern contracts on-line, which supplies some transparency into how the corporate operates.

Protect My Car Extended Warranty Benefits

The firm’s advantages had been a frequent subject of optimistic Protect My Car critiques from prospects. PMC packages extra advantages with its plans than most suppliers. These perks embody:

• Tire rotations
• Free oil adjustments
• 24/7 roadside help
• Rental automobile reimbursement
• Towing to a licensed restore facility

Protect My Car provides above-average advantages and a 30-day money-back assure for drivers who want to cancel their guarantee plans.

Ambassador Maintenance Plans

Protect My Car additionally provides Ambassador Maintenance Plans that present car service protection to automobiles not eligible for a standard prolonged guarantee. Ambassador Plans are available three ranges of protection: Ambassador Platinum, Ambassador Elite, and Ambassador Pro. According to Protect My Car critiques, these plans are a part of the explanation many drivers desire the supplier for upkeep.

Here’s an outline of every Protect My Car Ambassador Maintenance Plan:

• Ambassador Platinum: Covers most main parts of your automobile after a 25% deductible and contains roadside help
• Ambassador Elite: Covers most main parts of your automobile after a 50% deductible and contains roadside help
• Ambassador Pro: Covers most main parts of your automobile after a 50% deductible however leaves off roadside help

Ambassador Plan Benefits

While the above plans cowl most automobile necessities, none cowl navigation programs. Benefits present in all Ambassador plans from Protect My Car embody:

• Flat tire service
• Lockout companies
• Rental automobile reimbursement
• Free oil adjustments and tire rotations
• 25% to 50% off repairs

Ambassador Plan Exclusions

These advantages may sound spectacular, however Ambassador plans don’t cowl each auto restore. Some objects the Ambassador plans received’t cowl are:

• Rotors
• Brake pads
• Spark plugs
• Wear and tear objects

How to Use A Protect My Car Warranty

Protect My Car has a easy and easy claims course of. There are just some steps you’ll want to take:

1. Check your contract: First, be sure that your guarantee covers the restore you want. This record of coated parts (or exclusions) will likely be listed in your contract.
2. Authorize repairs: Call the PMC claims division and supply particulars of your declare. A consultant might request an inspection or analysis from a mechanic. If your restore is roofed, the corporate will authorize your repairs.
3. Get to the restore store: Take your automobile to any restore store licensed by the National Institute for Automotive Service Excellence (ASE®). Be certain to inform your mechanic about your safety plan.
4. Pay for service: Protect My Car pays the restore store straight. However, you’ll must pay the deposit listed in your contract upfront.
5. Provide paperwork: To end your declare, you’ll must ship over documentation to the claims division at Protect My Car inside 30 days. Note that it’s unclear whether or not that is 30 days from the date or restore or the date of analysis.

Protect My Car Claims Issues

Protect My Car critiques counsel that while you file a declare, it may be fairly tough to get protection permitted by the corporate’s claims division. This is considerably regarding because the entire thought behind an prolonged guarantee is to guard your car in occasions of bother.

Call roadside help when you want a tow or different mechanical work that may be performed roadside. Protect My Car critiques present that mechanics have had some bother getting in contact with the corporate, although.

What’s Not Covered by Protect My Car Warranties?

An prolonged auto guarantee provides safety for repairs that come because of regular utilization of your car. But even essentially the most complete plans received’t cowl you in each state of affairs.

Here are some objects that aren’t coated below a Protect My Car prolonged guarantee:

• Pre-existing restore wants
• Repairs wanted on account of aggressive driving
• Normal put on and tear objects
• Repairs ensuing from improper use or misuse
• Repairs ensuing from lack of upkeep
• Weather-related repairs
• Accidental harm

Since your auto insurance coverage coverage covers harm to any a part of your car in a collision, your guarantee received’t cowl that both. Some components aren’t coated below any situation, equivalent to bulbs, hoses, catalytic converters, and different emissions parts.

How To Cancel Protect My Car Warranty Coverage

If you need to cancel your Protect My Car protection, you are able to do that at any time. Depending on how lengthy it’s been because you began protection, it’s possible you’ll even be eligible for a full refund. 

To cancel your Protect My Car prolonged guarantee, you’ll want to take a couple of steps. 

1. Complete the web cancellation kind at protectmycar.com. 
2. Call the PMC cellphone quantity at 1-844-556-4762 to provoke the cancellation course of. 
3. Send a paper copy of your accomplished cancellation kind to:

Protect My Car, LLC
570 Carillon Parkway Suite 300
St. Petersburg, FL 33716. 

It may be a good suggestion to ship your kind by registered mail to be able to get supply affirmation.

Protect My Car Reviews

Protect My Car critiques don’t mirror the auto guarantee firm’s lengthy historical past, regardless of the corporate being in enterprise for over 16 years. Protect My Car isn’t accredited by the Better Business Bureau (BBB), although it does have an A+ score.

Protect My Car has over 600 buyer critiques on the BBB web site, leaving the corporate with a median score of 4.5 stars out of 5.0. The supplier boasts a 4.5-star score out of 5.0 on Trustpilot.

Positive Protect My Car Reviews

Positive Protect My Car critiques on the BBB web site describe what are mentioned to be the corporate’s educated customer support representatives and nice protection choices.

“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 by way of 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 by way of Google Reviews

Negative Protect My Car Reviews

Negative Protect My Car critiques observe bother getting protection for automobile repairs below guarantee, issue securing prorated refunds upon cancellation, and complaints from mechanics having a tough time getting claims permitted.

“I have been dealing with this company for seven 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 by way of 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 by way of Google Reviews

A mixture of optimistic and adverse buyer critiques is to be anticipated with any prolonged automobile guarantee firm. Protect My Car buyer critiques are largely optimistic and communicate to an above-average customer support expertise.

Conclusion: Maintenance Coverage May Be Worth The Extra Cost

Protect My Car provides complete prolonged guarantee protection at barely above-average costs. Your plan will embody oil adjustments and tire rotations, that are not often part of car service contracts. These perks could also be what improve the general price of protection.

Protect My Car critiques largely favor the enterprise and level towards the corporate’s optimistic enterprise practices and wonderful customer support repute.

Our Top Picks for Extended Warranty Coverage

While Protect My Car provides a number of protection choices and a variety of additional perks, we advocate getting free, no-obligation quotes from different respected prolonged automobile guarantee corporations, too. This approach, you may evaluate these free quotes to ensure you’re paying the most effective charges for the most effective protection for you. Drivers in search of the most effective prolonged automobile guarantee safety can be sensible to additionally try Endurance and CARCHEX.

Endurance: Best Overall

Endurance is a direct prolonged guarantee supplier, which means it supplies and fulfills most of its plans with none brokers or middlemen. The guarantee supplier provides six ranges of protection starting from bumper-to-bumper warranties to primary powertrain warranties. All Endurance car service plans include 24/7 roadside help, journey interruption protection, and rental automobile reimbursement.

Endurance additionally has many optimistic customer support critiques. The guarantee supplier has a 4.4-star score out of 5.0 on Trustpilot based mostly on over 3,300 critiques, together with a 3.4-star score out of 5.0 on the BBB web site. Positive Endurance guarantee critiques contact on the corporate’s aggressive charges and customer support.

You can learn extra concerning the firm in our Endurance guarantee evaluate.

CARCHEX: Best for Used Cars

CARCHEX is a frontrunner within the prolonged guarantee {industry} and has offered companies to drivers for greater than 20 years. The firm makes a speciality of plans geared towards high-mileage autos, which is why we named CARCHEX Best for Used Cars. The guarantee supplier provides 5 car safety plans which might be customizable to suit the wants of your car.

CARCHEX has strong scores throughout buyer evaluate retailers. The guarantee supplier has an A+ score from the BBB and a 3.3-star score out of 5.0 on Trustpilot.

Find out extra in our CARCHEX evaluate.

Frequently Asked Questions

Our Methodology

Our professional evaluate crew takes satisfaction in offering correct and unbiased data. We recognized the next score classes based mostly on client survey information and performed in depth analysis to formulate rankings of the most effective prolonged auto guarantee suppliers.

• Affordability: Quite a lot of elements affect price, so it may be tough to match quotes between suppliers. Our crew performs ongoing secret shopper analyses for various autos, mileages, guarantee plans, and places to offer this score.
• Coverage: Because every client has distinctive wants, it’s important {that a} automobile guarantee firm provides an array of protection choices. We consider the variety of plans provided by every supplier, time period limits, exclusions, and extra advantages.
• Industry Standing: Our crew considers Better Business Bureau (BBB) scores, availability, and years in enterprise when giving this rating.
• Customer Service: Reputable prolonged automobile guarantee corporations function with a sure diploma of look after shoppers. We consider buyer critiques, BBB complaints, and the responsiveness of the customer support crew.