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Have you thought about how you might cover expensive repairs when they come up? An extended car warranty can be a good investment for some drivers, but it’s important to choose a reputable company and it appears that Liberty Bell Auto Protect is no longer operating as of September 2021.
Liberty Bell Auto Protect began in 2010 in Saddle Brook, New Jersey. The company offered extended warranty contracts for many years. But as of September 2021, our team has been unable to reach Liberty Bell Auto Protect representatives by phone and has received reports from consumers that this provider is no longer in business.
The extended warranty company previously held a B rating from the Better Business Bureau (BBB), but the rating was recently updated to an F.
Liberty Bell Auto Protect Coverage Overview
Liberty Bell Auto Protect previously offered three different coverage options: Platinum, Platinum Plus, and Platinum Prime. Drivers could go to any repair facility with an ASE-Certified® mechanic for repairs. There are tens of thousands of shops to choose from in the U.S. and Canada.
Here’s how the different coverage options break down:
Seals and gaskets
The Platinum plan covered the powertrain (engine, transmission, and drive axle) plus a few essential systems. The Platinum Plus plan added coverage for the steering system. Finally, the Platinum Prime plan covered hundreds of parts on most major systems. It covered high-tech components like power window motors, temperature sensors, sunroof motors, and keyless entry modules.
Seals and gaskets are covered only under the Platinum Prime plan, and only in conjunction with a covered repair. Some other companies cover seals and gaskets at any level.
All of these plans were stated-component contracts, which means each covered item is listed on the contract.
So, how does this coverage compare to other companies? Well, Liberty Bell Auto Protect plans had the basics covered, but there are only three options.
Liberty Bell Auto Protect offered the following perks on all its plans:
Rental car reimbursement: Provided up to $35 per day for a maximum of six days
Trip interruption reimbursement: Provided up to $50 per day for a maximum of three days if you had a breakdown more than 100 miles from home
Roadside assistance reimbursement: Covered up to $100 for towing, one spare tire installation per year, $40 for battery jump-starts or fuel delivery, and $20 for lockout assistance
Liberty Bell Auto Protect contracts had a standard waiting period, which is usually 30 days and 1,000 miles. You can’t use these benefits during the waiting period.
What Liberty Bell Auto Protect Doesn’t Cover
While the company covered hundreds of parts on your vehicle, it didn’t cover everything. Here are a few examples:
Recalls and service bulletins
Wear items and tune-up parts
Damage from lack of maintenance
Cosmetic items like chrome and glass
Damage from accidents or environmental events
It’s important to know what’s written in a contract. If this is the first time you’ve shopped for a vehicle service contract, check out our extended warranty buyers guide for an in-depth review of the process.
Lastly, Liberty Bell Auto Protect didn’t offer coverage in California. On the other hand, CARCHEX does cover drivers in the Golden State. If you live in California, check out our CARCHEX review to learn about the company.
Liberty Bell Auto Protect Customer Reviews
Liberty Bell Auto Protect has an F rating from the BBB.
Negative Liberty Bell Auto Protect reviews mention a few issues:
Engine teardown cost not covered
Poor claims service – waiting days to hear back
Items not being covered when they are on the contract
One driver mentioned a leaking water pump wasn’t considered a failure, so it wasn’t covered. The reality is a part listed on the contract might not be covered under certain situations. If you purchase an extended car warranty, take the first 30 days to go over the whole contract and ask for clarification on anything you don’t understand.
Liberty Bell Auto Protect Review Examples
Here are a couple of example Liberty Bell Auto Protect reviews, one positive and one negative:
“This coverage has already saved me money in repair costs on my Honda Odyssey. I had to get a power steering issue fixed and they covered it. Filing a claim was easy and fast compared to my previous experiences with the other warranty company.” – Melani R., BBB
“Like almost all extended auto coverage companies, they are warm and excited to sell you a policy. But then, when you have a needed repair, they are slow to respond, often weeks later.” – Charles W., Trustpilot
Liberty Bell Auto Protect Warranty Costs
From our research, we found Liberty Bell Auto Protect plans cost about $450 per year of coverage, which is pretty much the average we found across the top providers, as well.
So, a five-year plan could cost $2,250 in total. A typical payment period is 24 months, so you’d be making monthly payments of about $90 unless you made a down payment at the start.
Quotes are dependent on the following:
State regulations and taxes
The type of coverage you want
Make, model, and mileage of your car
Deductible options and other discounts
Liberty Bell Auto Protect had an option for a $0 deductible. You could also choose a higher deductible amount, which typically brought down the overall cost. According to Kelley Blue Book,
“A deductible amount might have to be paid out of pocket for each repair, or for each visit. If a repair takes two or more sessions, ask if the deductible must be paid again.”
Conclusion: Liberty Bell Auto Protect
Because our team has been unable to reach Liberty Bell Auto Protect representatives by phone and has received reports from consumers that the provider is no longer in business, we recommend looking elsewhere for extended car warranty coverage.