Auto Service Maintenance
Auto Service and Vehicle Maintenance by Professional Technician in the Background. Automotive Industry.

Protect My Car Reviews, Cost, Coverage, & Service (2021)

Affiliate disclosure: Automoblog and its partners may be compensated when you purchase the products below.

Car driving down the road
Protect My Car Review
In Our Opinion:
Protect My Car reviews indicate this company has a positive reputation for customer service, maintenance plan options, and fair rates for extended car warranties.
Industry Standing
Coverage
Affordability
Customer Service
Pros
Oil changes and tire rotations included
Warranty and maintenance combo plans available
Long payment terms
Options for older vehicles
Cons
Not available in AK, CA, HI, MO, OK, or WA
Not available for vehicles older than 10 years
4.5
Best Maintenance Benefits

Protect My Car has underwritten extended car warranty plans for 15 years. This provider is headquartered in Florida but administers vehicle service contracts in almost every state, and Protect My Car reviews are very positive.

Below, we’ll take a close look at Protect My Car’s coverage, cost, claims process, and customer service. To find the right plan for your vehicle, we suggest getting a free quote from Protect My Car, as well as from a few of the best extended car warranty companies.

Best Maintenance Benefits

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Get Quote

(888) 430-0227

Its Ambassador Maintenance Plan guarantees 25-50% off repairs, plus covered oil changes

Protect My Car Highlights

Protect My Car is known for having the best maintenance benefits for extended auto warranty coverage. We rate this provider a 4.5 out of possible 5.0-star rating, which makes Protect My Car tied for third place alongside CarShield and autopom!.

Protect My Car extended warranties are available in all states except 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 could be a good fit for you. Protect My Car reviews 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 from Protect My Car, 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 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 see sample contracts online, which bodes well for Protect My Car’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 that cancel policies. 

Warranty & Maintenance Combination Plans

Protect My Car also has Ambassador Maintenance Plans that provide vehicle service coverage. The Ambassador plans come in three levels of coverage: Ambassador Platinum, Ambassador Pro, and Ambassador Elite. According to Protect My Car reviews, these plans are one of the reasons why many drivers prefer Protect My Car for maintenance.

The plans cover most car components, however, none cover navigation systems. Ambassador Platinum and Ambassador Elite both come with roadside assistance, although 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

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
Wheels and Tires
Protect My Car includes tire rotations and oil changes in its extended warranty plans – a rare bonus.

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 48 months 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 36 to 48 installments to pay off coverage.

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 above 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. Protect My Car will cover the rest of the repair costs.

Protect My Car Quotes & Claims

To get a quote from Protect My Car, call 888-430-0227. Protect My Car also has an online quote tool that could get you in touch with a customer service representative that can set you up with coverage.

When you need to file a claim, Protect My Car reviews suggest that it can be difficult to get coverage approved by the PMC claims department. Take measures to make sure your car won’t incur further damage after a mechanical breakdown occurs.

Call roadside assistance if you need a tow or other mechanical first aid that can be conducted roadside. Then take your car to the nearest licensed repair facility of your choice. The repair facility will get the claim approved by your extended warranty provider, but Protect My Car reviews show that mechanics have had trouble getting in touch with the company to pay out claims.

Protect My Car Reviews

Despite having been in business for almost 15 years, Protect My Car reviews and ratings don’t reflect the long history that the company has had. Protect My Car is not rated or accredited by the Better Business Bureau (BBB). Protect My Car has over 600 customer reviews on the BBB, rating the company an average of over 4.6 stars. The provider also boasts a 4.4-star rating on Trustpilot.

Positive Protect My Car reviews on the BBB detail the company’s knowledgeable customer service representatives, excellent customer service, and great coverage. 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 through to representatives to approve claims.

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 bode well for 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 contracted in vehicle service contracts. These perks may increase the overall cost of coverage.

Protect My Car reviews largely favor the business and bode well for the company’s ethical business tactics and positive customer service reputation.

We’d recommend getting quotes from Protect My Car and other reputable extended car warranty companies found below. This way, you can compare quotes and be 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 reviews. Also read our Protect My Car vs. CARCHEX review for a direct comparison.

Featured Extended Warranty Companies
We reviewed the industry’s top extended auto warranty providers, and here are our featured picks. 
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 is a reputable provider with over 15 years in the car warranty industry. The provider is also backed by high BBB and Trustpilot customer review ratings. In our comprehensive extended car warranty review, we gave Protect My Car 4.5 stars.

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 48 months for four years of coverage. Compared to other car warranty providers, Protect My Car’s coverage costs are 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.

How to Get Invoice Pricing




  1. 0.3

    Don’t buy this coverage! If you have to use it, they will make you wait until the car is diagnosed, taken apart and inspected before they take any action or authorize anything. It took us three weeks. When they finally authorize a rental it is for a max of five to seven days no matter how long it takes for the parts and repair.

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