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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.
Oil changes and tire rotations included
Warranty and maintenance combo plans available
Long payment terms
Options for older vehicles
Not available in AK, CA, HI, MO, OK, or WA
Not available for vehicles older than 10 years
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.
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:
Best Plan For:
New or low-mileage vehicles
Vehicles over 50,000 miles that don’t qualify for Supreme coverage
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.
Standard benefits appreciated in many Protect My Car reviews include:
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
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:
Wear and tear items
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
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.
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.
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.
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.