Protect My Car Review: Best Customer Service (2024 ) (2024)

Protect My Car has ceased offering vehicle service contracts to new customers. Nonetheless, the company remains committed to providing support to its current customers and honoring claim requests. Below, we’ve retained relevant details for your reference, or you can explore alternative warranty providers here.

Our experts researched Protect My Carreviews, coverage options, and benefits to help you get a sense of the pros and cons of warranty coverage from the company. If you’re looking for thebest extended car warranty, this review can help youcompare Protect My Carwith other third-partywarranty providersand make an informed decision.

Protect My Car Reviews

Our team rated Protect My Car warranty 4.4 out of 5.0 stars and awarded it the provider with the Best Customer Service. One of the best things about Protect My Car is its excellent coverage terms and plans. Also, the provider offers three different maintenance plans that cover everything from your vehicle’s engine to tire rotations.

Protect My Car BBB

Protect My Car has an A+ rating from the BBB along with a customer rating of 4.1 out of 5.0 stars on the BBB website. The company also has a 4.5-star rating on Trustpilot from over 3,200 drivers. These ratings are high, especially for the extended warranty industry.

Positive Protect My Car Reviews

The vast majority of customer reviews for Protect My Car online are positive. Here are some common themes we noted when researching multiple reviews:

• Smooth claims experience
• Professional customer service staff that’s easy to talk with
• Quick communication between Protect My Car and repair shop
• Easy cancellation process without being hassled

Protect My Car Reviews Complaints

Of course, not everyone has a positive experience with Protect My Car. Like all warranty companies, Protect My Car can’t guarantee every repair will be covered. Sometimes, repairs can be denied because the damage was from normal wear and tear instead of a defect. Here are a few common themes from negative Protect My Car reviews:

• Certain parts or systems not being covered
• Unhelpful customer service agents
• Unsolicited sales calls

Protect My Car Overview

Established in 2005 and based in Saint Petersburg, Florida, Protect My Car is a popular choice for vehicle service contracts. The company offers numerous extendedused car warrantyoptions: its standard plans cover up to 125,000 miles, while its Ambassador Maintenance Plans can cover most vehicles regardless of mileage.

With hundreds of five-star customer reviews on the Better Business Bureau (BBB) and Trustpilot, the company looks attractive on the surface. But do its plans offer the value the company claims to provide?

We took a deep dive into Protect My Car and broke down our findings into a list of pros and cons to help you see if its plans are worth your time and money.

How To Cancel Protect My Car

To cancel a Protect My Car warranty, you need to download a cancellation request form from the company’s website or contact customer service. On the form, you’ll note the vehicle’s mileage. You can cancel within 30 days for a full refund. After that, you’ll get a prorated refund.

Protect My Car Phone Number

You can reach Protect My Car’s customer service department by calling 1-844-556-4762. If you need assistance with a claim, you can contact the claims department at 1-844-256-4762. For roadside assistance, call1-888-676-4762.

Protect My Car Plans

Protect My Car offers three levels of coverage: Supreme, Select, and Driveline.

Supreme

The Supreme plan is the Protect My Car option most similar to a manufacturer’s warranty. It’s designed for those who need additional coverage because they plan to keep their new cars beyond the manufacturer’s factory warranty term, which is usually three years.

This is the best coverage level at Protect My Car if you want comprehensive protection. According to our survey of 1,000 extended warranty customers from multiple brands, comprehensive is the most popular type of coverage.

Select

The Select plan is designed for vehicles with more than 50,000 miles. It provides protection for vehicles that are just outside the requirements for the Supreme plan. It includes all the components the Supreme plan covers, with the exception of the turbocharger and navigation systems.

Driveline

The Driveline plan is designed for older vehicles that are four to ten years old and have more than 80,000 miles. Despite the high mileage, this plan covers many of the same components as the Supreme and Select plans but excludes the front and rear suspension, turbocharger, and navigation system. This plan covers the powertrain plus cooling, electrical, and more.

Ambassador Maintenance Plans

Although vehicles over 13 years old can’t take advantage of an extended warranty with Protect My Car, the company offers Ambassador Maintenance Plans that come with guaranteed discounts between 50 and 75 percent on repairs, 24/7 roadside assistance, rental car reimbursem*nt, and more for older cars.

Ambassador plans are comprehensive, which means coverage applies to almost any mechanical breakdown. You’d pay either 25% or 50% of the repair cost depending on the plan you get.

Does Protect My Car Cover Oil Changes?

Yes, Protect My Car covers oil changes and tire rotations under all of its extended warranties. Benefits such as roadside assistance and trip interruption are standard in the industry, but Protect My Car goes the extra mile by providing oil changes and tire rotations.

What Does Protect My Car Not Cover?

As is the case with most extended car warranties, Protect My Car contracts list various exclusions. Protect My Car won’t cover auto repairs due to:

• Accidental damage
• Weather
• Competitive driving
• Lack of proper maintenance
• Issues that existed before your Protect My Car contract started
• Normal wear and tear

Several parts are also excluded, including bulbs, certain emissions components, catalytic converters, and hoses. Of course, Protect My Car also won’t cover collision damage since this is the responsibility of your car insurance company.

Protect My Car Cost

According to quotes our team received, Protect My Car costs between about$80 and $120 monthly. Total prices range from about$3,000 to $4,000, depending on the plan and terms you select, as well as your car’s make, model, and mileage.

Protect My Car’s flexible and lengthy payment terms of 36 to 48 months are significantly longer than the terms other third-party auto warranty companies offer. While these terms can make the monthly payments more affordable, the generous lengths may result in higher overall plan prices.

Like most warranty companies, Protect My Car offers a 30-day money-back guarantee on all extended car warranty plans.

For more clarity on the cost of Protect My Car extended warranty coverage, our review team reached out and received the following quotes:

Protect My Car Down Payment

Protect My Car plans require a down payment at the time of purchase. This down payment may be equal to your monthly payment amount or slightly higher, depending on the plan and terms.

Protect My Car Claims

The claims process with Protect My Car is very straightforward. To file a claim, you call the company’s claims department to obtain prior authorization before having any car repairs performed – with the exception of emergencies, which are outlined in your Protect My Car warranty contract. You’ll drive or have your car towed to a licensed repair shop and then give the mechanic information about your protection plan.

In some cases, you may need to have the repair facility inspect your vehicle to diagnose the cause and cost of the repair. It’s important to note that Protect My Car reserves the right to require this inspection. The cost isn’t covered by any Protect My Car contract prior to any repair being authorized or performed.

Once the covered repairs are complete, Protect My Car pays the repair facility directly or reimburses you for the repair costs minus the deductible, which you’ll need to pay up front. You must submit the necessary documentation to Protect My Car’s claims department within 30 days, but Protect My Car’s contracts are unclear about whether those 30 days begin at the time the issue is diagnosed or repaired.

Additional Benefits Of Protect My Car

Like most third-party warranty providers, Protect My Car offers added benefits, such as roadside assistance, with the purchase of all warranty plans. However, a look into the fine print of various vehicle service contracts can reveal drastic differences in the true value of these benefits.

Protect My Car Roadside Assistance

According to Protect My Car’s website, the company promises to “be there to help you through each step” when a mechanical breakdown happens. The roadside assistance program comes at no added cost to Protect My Car customers, but a look into the program’s details reveals it doesn’t provide a lot of value.

Drivers are limited to just two roadside assistance calls per year, and any call after that is charged at a rate of $50 per service. Additionally, towing is limited to one tow within a 72-hour period, and cars can only be towed to a licensed repair facility.

Although Protect My Car will assist you in a bind, you are responsible for associated fees, such as the cost of gas and key cutting. This includes circ*mstances such as:

• Vehicle jump-start
• Lockout service
• Changing a flat tire
• Gas delivery during an emergency

Any roadside assistance that exceeds $100 will be the responsibility of the driver, meaning you’ll likely be paying something out of pocket for each roadside assistance call. For example, a locksmith can cost as much as $250 to unlock a car, according to eLocal.

Protect My Car Reimbursem*nt

Additionally, rental car reimbursem*nt is limited to $30 per day and can’t exceed seven days or a maximum of $210 per occurrence. Daily motel and restaurant reimbursem*nts are just $50 for a maximum of three days in cases where your vehicle must remain at the repair facility overnight and you’re more than 150 miles from home. For perspective, as of November 2020,statista.comfound the average price of an overnight hotel stay to be about $91.

Protect My Car: Conclusion

We rate Protect My Car 4.4 out of 5.0 stars and recognize it for having the Best Customer Service in 2024. The choice between a traditional vehicle service contract or a maintenance plan gives drivers a lot of flexibility, and Protect My Car reviews highlight long and flexible payment terms.

While it doesn’t provide an extended warranty for vehicles older than 13 years, the Ambassador Maintenance Plan seems like a good alternative, especially with its discounts on repairs and benefits, such as free oil changes and tire rotations.

Check the price on a Protect My Car extended warranty for your vehicle with the quote button below.

Other Top Extended Warranty Providers

It’s always best to get more than one free quote when making a decision on extended warranty coverage. Many manufacturers have their own plans that you can purchase at the dealership where you bought your vehicle. You also have more than a few options for third-party car warranty companies.

In addition to Protect My Car, our team recommends Endurance,CarShield, andCARCHEX. These companies scored well in our industry-wide review for their strong customer service reputations, five or more coverage plans, and competitive pricing.

Protect My Car Review: FAQ