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

Protect My Car: Reviews, Cost, & Coverage (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, various 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 (PMC) is a veteran of the extended car warranty industry, having underwritten plans for over 16 years. The provider administers vehicle service contracts in almost every state, and Protect My Car reviews are generally positive throughout the country.

Below, we’ll take a close look at the extended service contract provider’s coverage, average costs, claims process, and customer service. To find the right protection plan for your vehicle, we suggest comparing Protect My Car to some other providers on our list of best extended car warranty companies.

Best Maintenance Benefits

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(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 some of the best maintenance benefits for extended auto warranty coverage. We rate this provider 4.5 out of a possible 5.0 stars, putting it in third place alongside CarShield and autopom! among third-party vehicle warranty providers.

Protect My Car extended warranties are available in every state except Alaska, California, Hawaii, Missouri, Oklahoma, and Washington.

If you’re looking for a provider with a good customer service reputation and comprehensive coverage at affordable rates, Protect My Car might be a good fit for you once your manufacturer’s warranty expires.

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, the most inclusive of the three warranty plans. Owners of high-mileage or older cars might consider the Select or Driveline plan.

Here’s a breakdown of coverage for each plan:

Details Driveline Plan Select Plan Supreme Plan
Best Plan 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 X X X
Transmission X X X
Drive Axle X X X
Differential Assembly X X X
Cooling System X X X
Air Conditioning and Heating X X X
Electrical X X X
Timing Chain X X X
Front and Rear Suspension   X X
Select Brake System Components   X X
Turbo Charger     X
Navigation     Varies

The Supreme and Select plans come with a $100 deductible, while the Driveline plan comes with a $200 deductible. You can also find sample contracts online, which bodes well for the company’s transparency. 

Additional Benefits

Standard benefits appreciated in many Protect My Car reviews 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 drivers who wish to cancel policies. 

Warranty & Maintenance Combination Plans

Protect My Car also has Ambassador Maintenance Plans that provide vehicle service coverage to cars no longer eligible for a traditional extended warranty. Ambassador Plans come in three levels of coverage: Ambassador Platinum, Ambassador Elite, and Ambassador Pro. According to Protect My Car reviews, these plans are one of the reasons many drivers prefer the provider for maintenance.

Here’s an overview of each plan:

  • Ambassador Platinum: Covers most major components of your car after a 25% deductible and includes roadside assistance
  • Ambassador Elite: Covers most major components of your car after a 50% deductible and includes roadside assistance
  • Ambassador Pro: Covers most major components of your car after a 50% deductible but leaves off roadside assistance

While the above plans cover most car essentials, none cover navigation systems. Benefits found in all Ambassador plans from Protect My Car include:

  • Flat tire service
  • Lockout services
  • Rental car reimbursement
  • Free oil changes and tire rotations
  • 25 to 50% off repairs

Ambassador Plan Exclusions

These benefits might sound impressive, but Ambassador plans do not cover every auto repair. Some items the Ambassador plans won’t cover are:

  • Rotors
  • Brake pads
  • Spark plugs
  • Wear and tear items
Wheels and Tires
Protect My Car warranty plans include tire rotations and oil changes – 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 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 warranties into somewhere between 36 and 48 installments.

Based on our research, extended car warranty coverage costs about $636 per year, but monthly payments can vary significantly. Protect My Car quotes we received were higher than the industry average.

Depending on which Protect My Car extended warranty plan you choose, you’ll pay the repair shop your $100 or $200 deductible when you bring your car in for a covered repair. The company will then cover the rest of your repair costs.

Protect My Car Claims

Protect My Car reviews suggest that when you file a claim, it can be pretty difficult to get coverage approved by the company’s claims department. This is somewhat concerning since the whole idea behind an extended warranty is to protect your vehicle in times of trouble.

Call roadside assistance if you need a tow or other mechanical work that can be conducted roadside. After that, you’ll need to take your car to a licensed repair facility, which will reach out to the provider for payment. Protect My Car reviews show that mechanics have had some trouble getting in touch with the company, though.

Protect My Car Reviews

Protect My Car reviews don’t reflect the company’s long history, despite the company being in business for over 16 years. Protect My Car is not accredited by the Better Business Bureau (BBB), though it does have an A+ rating. Protect My Car has over 600 customer reviews on the BBB website, leaving the company with an average rating of 4.56 stars out of 5.0. The provider boasts a 4.5-star rating on Trustpilot.

Positive Protect My Car Reviews

Positive Protect My Car reviews on the BBB website describe what are said to be the company’s knowledgeable customer service representatives and great coverage options.

“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 via 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 via Google Reviews

Negative Protect My Car Reviews

Negative Protect My Car reviews note trouble getting coverage for car repairs under warranty, difficulty securing a prorated refund upon cancellation, and complaints from mechanics having a hard time getting claims approved.

“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 via 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 via Google Reviews

Jaguar Century: 100 Years of Automotive Excellence

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 speak to an above-average customer service experience.

Conclusion: Maintenance Coverage May Be Worth The Extra Cost

Protect My Car offers comprehensive extended warranty coverage at slightly above-average prices. Your plan will include oil changes and tire rotations, which are rarely a part of vehicle service contracts. These perks may be what increases the overall cost of coverage.

Protect My Car reviews largely favor the business and point toward the company’s positive business practices and excellent customer service reputation.

Best Maintenance Benefits

black starblack starblack starblack starblack half star 5 1

69dd6fe5b53a353d9a724c55b730ec2a

Get Quote

(888) 430-0227

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

Our Top Picks for Extended Warranty Coverage

While Protect My Car offers several coverage options and a lot of extra perks, we recommend getting free, no-obligation quotes from other reputable extended car warranty companies, too. This way, you can compare these free quotes to make sure you’re paying the best rates for the most comprehensive coverage. Drivers looking for the best extended car warranty protection would be wise to also check out Endurance and CARCHEX.

Endurance: Best Overall

Endurance is a direct extended warranty provider, meaning it provides and fulfills most of its plans without any brokers or middlemen. The warranty provider offers six levels of coverage ranging from bumper-to-bumper warranties to basic powertrain warranties. All Endurance vehicle service plans come with 24/7 roadside assistance, trip interruption coverage, and rental car reimbursement. 

Endurance also has many positive customer service reviews. The warranty provider has a 4.4-star rating on Trustpilot based on over 3,000 reviews, along with a 3.4-star rating on the BBB website. Positive Endurance warranty reviews touch on the company’s competitive rates and customer service. 

You can read more about the company in our Endurance warranty review.

Best Overall

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(866) 990-3410

Industry veteran that handles your plan directly, from quote to claim

CARCHEX: Best for Used Cars

CARCHEX is a leader in the extended warranty industry and has provided services to drivers for more than 20 years. The company is unique in that it specializes in plans geared toward high-mileage vehicles, which is why we named CARCHEX Best for Used Cars. The warranty provider offers five vehicle protection plans that are customizable to fit the needs of your vehicle. 

CARCHEX has solid ratings across customer review outlets. The warranty provider has an A+ rating from the BBB and a 3.2-star rating out of 5.0 on Trustpilot. 

Find out more in our CARCHEX review.

Best for Used Cars

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Get Quote

(866) 950-7122

Top-rated provider with unmatched customer service and affordable coverage

Frequently Asked Questions

Is Protect My Car legit?

Yes, Protect My Car reviews reveal that the company is a reputable provider backed by high BBB and Trustpilot customer reviews. In our extended car warranty review, we gave Protect My Car 4.5 stars overall.

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 four years of coverage. Compared to other car warranty providers, Protect My Car’s costs are a little above 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.

What is the Protect My Car service number?

If you need to reach customer support, you can call the Protect My Car service number at (888) 964-6754. You can use this number to speak to someone about the details of your plan or ask any questions you might have.

How do you cancel Protect My Car?

To cancel Protect My Car you need to take a few steps. First, complete the online cancellation form. Then, call 1-844-556-4762 to initiate the cancellation process. Finally, send your completed cancellation form to Protect My Car, LLC 570 Carillon Parkway Suite 300 Saint Petersburg, FL 33716. It may be a good idea to send your form through registered mail so that you can get delivery confirmation.

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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