Protect My Car Reviews and Our Take (2020)

Protect My Car Highlights

Protect My Car has been in business for 14 years and is available in every state except Alaska, California, Hawaii, Missouri, Oklahoma, and Washington. In addition to selling extended warranties, Protect My Car sells auto insurance products.

While Protect My Car is not rated by the BBB, Protect My Car reviews from customers through the BBB are very high. The company has a nearly 5.0-star rating based on more than 600 customer reviews.

Many warranty providers will not cover vehicles over a certain age, and the same is true for Protect My Car policies. However, Protect My Car does sell Ambassador maintenance plans that partially cover the cost for repairs for vehicles more than 13 model years old. Some Protect My Car reviews have mentioned that it is difficult to find coverage elsewhere for older vehicles.

Protect My Car Extended Warranty Coverage

There are three extended car warranty plan levels offered by Protect My Car: Driveline, Select, and Supreme.

As is standard with most all vehicle service contracts, you are required to have your vehicle regularly serviced according to the manufacturer’s recommendations and at your own expense. You must also be sure to keep proof that such maintenance was completed for your vehicle.

All policies are transferable and have a $100 deductible. Contracts are inclusionary, which means that you are only covered for the specific components listed in the vehicle service contract. Inclusionary contracts tend to offer less coverage than exclusionary contracts.

Driveline contracts are designed for vehicles between four and 10 years old with more than 80,000 miles.

Extra Features

In addition to the coverage detailed in the chart above, all Protect My Car contracts include the following additional perks:

• Roadside assistance
• Rental car benefits
• Trip interruption reimbursement
• Oil changes
• Tire rotations
• PMC Rewards membership

PMC offers $50 in rewards points when you sign up and continue to add rewards dollars as long as you are a member. These dollars can be used to purchase gift cards from a number of companies and restaurants like GAP, Dunkin’ Donuts, Nike, and Kate Spade.

A few Protect My Car reviews mentioned the PMC Rewards program as one of the standout features to recommend the company.

While roadside assistance is a common perk for an extended warranty, free oil changes and tire rotations are not. This may be a small benefit, but it is worth considering as it could end up saving you between $30 to $50 a year, depending how often you change your oil.

High-Mileage Vehicles

The longest mileage limit contract offered by Protect My Car lasts for 5 years or 125,000 miles. Contracts are available for new and used vehicles, but extended warranties are only sold to vehicles less than 13 model years old. This type of restriction is common in the industry.

Protect My Car has Ambassador Policies for older vehicles. These policies act like extended car warranties but do not cover the full cost of repairs. Protect My Car Ambassador plans cover between 25 and 50 percent of repairs for the following components:

• Engine
• Transmission
• Transfer case
• Drive axle
• Differential assembly
• Suspension
• Cooling system
• Air conditioning
• Electrical
• Select brake system components
• Timing chain
• Turbo/supercharger

This coverage is similar to the coverage offered by the Supreme plan. Such a policy may be a great deal for some older cars—you should research the maintenance costs of your vehicle before deciding to purchase one to find out how much you might save.

Protect My Car Cost

We reached out to Protect My Car to ask about a quote for a 2017 Ford Explorer with 45,000 miles. The sales representative would not supply a quote for a powertrain warranty, but we were offered the following coverage for a Supreme plan:

The total cost per year of coverage is relatively high. However, the benefit of such a pricing model is that it allows customers to make lower monthly payments. Protect My Car offers payment terms that last between 36 and 60 months. It is likely that a 36-month contract would have a lower total price.

Protect My Car also offers student and military discounts. Contact the company yourself for a quote and to see your own pricing options. Based on Protect My Car reviews, the company can work within a customer’s budget to find low-priced, affordable options.

Quotes and Claims Processes

To request a quote from Protect My Car, you can call or reach out through a form on the company’s website.

Our experience when calling was that the customer sales representative was slightly pushy, trying to get us to purchase a plan immediately over the phone. Other customers had a better time with the quotes process, though. There are a number of Protect My Car reviews that praise helpful and courteous salespeople.

Claims

Filing a claim with Protect My Car is simple. Call the claims department, and an advisor will walk you through the process. This process generally consists of taking your vehicle to a certified repair shop, authorizing a diagnosis, and waiting for Protect My Car to authorize the repairs.

Protect My Car Reviews and Ratings

As we mentioned, Protect My Car reviews are mostly positive. The company has received more than 120 complaints through the BBB in the last three years, which is low for a warranty company of its size. Many complaints concern Protect My Car robocalling.

Protect My Car says that it does not itself engage in robocalling, but it is possible a third party is making these calls on Protect My Car’s behalf. At the very least, Protect My Car does not seem to be doing much to discourage third-party lead generation partners from engaging in such practices. However, these complaints do not necessarily reflect negatively on Protect My Car extended warranty policies.

Customers who praise Protect My Car are happy about customer service.

“The customer representative was very attentive and responsive to my concerns offering options and solutions. Great job, Jason P.”

-Terrell G.

Many other comments follow this pattern, where specific representatives are praised for the time they take to explain contracts and review concerns with customers. While we had a bad experience contacting Protect My Car, it’s possible this type of behavior is uncommon.

Protect My Car Extended Warranty: 4.5 Stars

Protect My Car offers reliable contracts and has a strong industry reputation. While the long-term cost of a Protect My Car extended warranty can be higher than competitors, we think the company offers great coverage and reasonable long-term financing options based on many Protect My Car reviews. For customers with a lower monthly budget, the company may be more affordable in the short-term.

When we reviewed the best extended car warranty companies nationwide, Protect My Car was one of our top four picks and was recognized for Best Long-Term Financing. To see how much you would pay for an extended warranty, get a free quote from Protect My Car below.

★★★★½ Protect My Car is our pick for best long-term financing.

Get Quote (888) 430-0227

Top Recommendations for Extended Car Warranties

Always compare quotes from multiple providers when considering an extended car warranty. Prices will be different for every customer, so it is important to review costs based on your exact vehicle. Here are two of our other top choices for extended protection.

Endurance: 4.9 Stars

Endurance is available in every state except California. It has a Trustpilot score of 4.2 based on more than 600 reviews and is a dependable provider. We think it provides some of the best coverage in the industry. Endurance offers five levels of coverage that range from basic powertrain to comprehensive exclusionary coverage.

Most Endurance extended warranty plans also come with a one-year Endurance Elite Membership, which includes:

• ID theft protection
• Roadside assistance
• Key fob replacement
• Tire repair/replacement (two per year)
• Member rewards ($250 to spend with select partners and discounts at select merchants)
• Repair financing (up to $5,000 in repair loans)

★★★★★ Endurance is our pick for best direct provider with its comprehensive coverage options.

Get Quote (877) 374-1840

CARCHEX: 4.8 Stars

CARCHEX has been selling extended auto warranty contracts for over 20 years. It is accredited by the BBB, where it holds an A+ rating. In the past three years, it has received less than 100 customer complaints through the BBB. This is quite low considering the high volume of contracts CARCHEX sells each year.

We think CARCHEX offers superior customer service. The CARCHEX quotes process takes less than 10 minutes, and the company can also be contacted through an instant message tool on its website. Overall, we think it’s a great choice for an extended auto warranty.

★★★★★ Our research found this provider to be the best for used cars.

Get Quote (866) 254-0205 use code ‘xyz’ for $100 off