aa auto protection

AA Auto Protection: Reviews, Plans, Cost (2023)

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Car driving down the road
AA Auto Protection Review
In Our Opinion:
AA Auto Protection offers multiple extended car warranty plans and some additional benefits. However, AA Auto Protection does not have high customer service ratings. Many customers complain that AA Auto Protection does not provide refunds as promised, which is a red flag.
Industry Standing:
Customer Service:
Multiple coverage plan options
30-day money-back guarantee
Extended car warranty plans accepted at any licensed repair facility
No online sample contracts
Poor customer service ratings
Current alerts from the Better Business Bureau (BBB)

The only thing worse than experiencing an unexpected car repair is not being able to pay for it. If you’ve looked into repair coverage options, you may have come across an AA Auto Protection extended warranty. But is the provider the right choice for your needs?

In this article, we’ll look at AA Auto Protection’s coverage options, customer service, industry reputation, and more. We’ll also discuss our top recommend warranty providers if you decide an AA Auto Protection extended warranty isn’t the right fit.

We’ve reviewed the best extended car warranty providers in the industry, and we recommend reaching out to a few for quotes. To find the best coverage plan for you, compare free, no-obligation quotes from the leading providers below.

Featured Extended Warranty Companies

We reviewed the best extended auto warranty providers, and here are our top picks.

Best Overall Warranty Provider

Our Rating: 4.6 out of 5.0

Check Price

On Endurance’s Website

(866) 990-3410

Or Call Endurance Directly

Affordable Monthly Payment

Our Rating: 4.5 out of 5.0

Check Price

On Carshield’s Website

(877) 265-5123

Or Call Carshield Directly

Best Warranty Provider for Used Cars

Our Rating: 4.4 out of 5.0

Check Price

On Carchex’s Website

(866) 950-7122

Or Call Carchex Directly

AA Auto Warranty Reviews

AA Auto Protection has a 1.47 out of 5-star rating from customers on the Better Business Bureau (BBB).  Despite its many years in business, AA Auto Protection has low customer satisfaction ratings on BBB. In fact, it has an unaccredited F rating from the organization.

In addition to negative customer reviews, there are also alerts on the BBB for the following reasons:

  • AA Auto Protection uses an “A Rated” logo on its website, similar to the BBB rating logo, that can mislead customers. 
  • There has been a pattern of complaints reporting that AA Auto Protection fails to refund canceled policies. 
  • When the BBB contacted AA Auto Protection, mail sent to the headquarters address was returned as undeliverable.

Is AA Auto Protection Legit?

AA Auto Protection offers a range of extended warranty contracts administered by other companies. Based in Philadelphia, Pennsylvania, the company has been in business for over 30 years. As a contract broker, AA Auto Protection doesn’t handle any claims itself. Instead, the company acts as a middleman between warranty providers and drivers.

Here are AA Auto Protection’s current administrators:

  • DOWC
  • United Car Care
  • Matrix Warranty Solutions
  • Royal Administration Services
  • National Warranty Administration

Is An AA Warranty Worth It?

The pros and cons of extended car warranties vary from driver to driver and should be considered before their car’s factory warranty or certified preowned warranty expires. Depending on your situation, you may find a monthly extended car warranty payment easier to manage than paying for a $500 or $1,000 out-of-pocket repair. On the other hand, if you have a healthy savings account and are prepared to handle costly repair bills, you might not need an extended warranty.

Peace of mind is another factor to consider. Extended car warranty companies offer protection against unexpected mechanical breakdowns and related stress. For some drivers, the security is worth the investment.

With that said, we recommend researching at least three industry-leading extended warranty companies to compare quotes and get a feel for each company’s customer service. Most reputable third-party extended warranty companies will give you a free quote over the phone specific to your vehicle. That way, you can decide if the cost of a used car warranty is worth it for you.

AA Auto Extended Car Warranty Reviews

AA Auto Protection has had about 30 reviews and 150 complaints in the past three years. It’s usually a reflection of poor customer service when there are many more complaints than reviews. AA Auto Protection fares slightly better on Trustpilot where it holds a 2.0-star rating.

Below are a few examples of positive and negative AA Auto Protection reviews. 

Positive Reviews

“I had this company and never had an issue when I had my warranty.”

– Michelle A. via BBB

“[The company is] very honest and upfront about coverage and what to expect. [It also provides] details on how the program works and what to expect from the repair facility. [I had a] very pleasant encounter.”

– Mitch W. via BBB

Negative Reviews

“Good customer service until I cancelled my warranty, now they avoid me. I have been forwarded to random voicemail boxes, lied to, and hung up on repeatedly. I have waited over two months for a refund that they say should take three to four weeks.”

– A.G. via BBB

“When the policy arrived in the form of the booklet, it covered almost nothing and clearly was not even close to what we agreed to on the phone. Do not buy a policy from these people and do not believe anything they tell you on the phone.”

– Maureen O. via BBB

Best Overall Warranty Provider

Our Rating: 4.6 out of 5.0

What Does The AA Warranty Cover?

AA Auto Protection offers five types of extended car warranty plans. Since the company works with multiple warranty administrators, drivers can choose between several contracts under each umbrella coverage plan known as vehicle service contracts. Here’s an overview of the levels of coverage:

  • Full Coverage: This bumper-to-bumper extended warranty covers any mechanical or electrical repair except for a list of exclusions. 
  • Premium Stated Component Coverage: This high-level coverage plan protects many parts and is best for cars that don’t qualify for full coverage.
  • Stated Component Coverage: This contract covers most systems of the car at an affordable price. 
  • Premium Powertrain Plus Coverage: This powertrain plan covers the engine, transmission, drive axle, water pump, and a few more parts. 
  • Premium Powertrain Coverage: This plan covers the engine, transmission, and drive train assembly.

AA Auto Protection Warranty Exclusions

  • Cosmetic damage
  • Routine maintenance services
  • Modifications or aftermarket parts
  • Wear-and-tear items like brake pads
  • Damage from misuse or lack of maintenance
  • Damage to a covered part by a non-covered part

AA Extended Warranty Benefits

It’s standard in the industry to offer extra benefits like roadside assistance, rental car coverage, and trip interruption. The exact benefits and allowances for AA Auto Protection plans depend on the administrator. Unfortunately, AA Auto Protection’s website doesn’t provide sample contracts for each coverage plan. 

AA Warranty Claims

The company is very clear on its website that it doesn’t handle any claims itself. If a mechanical breakdown occurs, you have to contact your contract administrator to file a claim. The first thing to do is to get your car to a repair shop safely. Then, connect the shop with your administrator’s claims number so the administrator can authorize the repair.

If the repair is covered, you can use any applicable perks like rental car coverage and trip interruption reimbursement. But if the repair isn’t covered, you’ll be responsible for any diagnosis or tear-down charges necessary to find the problem.

Best Warranty Provider for Used Cars

Our Rating: 4.4 out of 5.0

AA Used Car Warranty Cost

AA Auto Protection offers several deductible options, which also depend on the administrator. Drivers can choose payment terms of up to 24 months. 

The provider doesn’t publish prices online, a common industry practice since multiple factors affect the overall cost. Here’s what can affect your extended car warranty cost:

  • Deductible: A lower deductible often leads to a higher overall coverage cost.
  • Vehicle type: Older, higher mileage cars are more prone to breakdowns, which increases the price of an extended warranty.
  • Vehicle reliability: Certain auto brands have higher average repair costs than others, which also increases coverage prices.
  • Coverage type: Comprehensive coverage plans with longer terms will cost more than a basic powertrain warranty with a two- or three-year limit.

AA Car Warranty Quote

AA Auto Protection offers two ways to get a quote: You can call the company directly or fill out an online quote form. However, the quote form isn’t instant. You have to wait for a representative to email or call with your quote.

AA Used Car Warranty Refund

AA Auto protection offers a 30-day money-back guarantee. You can get a full refund as long as you haven’t used the plan in the first 30 days. After 30 days, you’ll receive a prorated refund.

AA Car Warranty: Conclusion

Considering AA Auto Protection’s negative customer reviews and poor industry standing, we recommend continuing your search for other extended warranty providers. AA Auto Protection does offer several coverage plans, but higher-rated extended car warranty companies provide similar options. Often, these companies will offer online sample contracts, too.

Our Top Picks for Extended Warranty Coverage

There are many reputable extended car warranty companies beyond AA Auto Protection. Top providers compete to win customers by providing reliable service and good prices. It’s a good idea to compare quotes from multiple companies to find the best deal.

After reviewing multiple providers, we named Endurance the Best Overall. We considered affordability, industry standing, coverage, and customer satisfaction when rating providers. In our research, we found CARCHEX is also a great option for used cars. You can’t go wrong with quotes from either of these companies. 

Endurance: Best Overall

There are a few things we like about Endurance. For example, Endurance is a direct warranty provider, so you don’t have to work with another company when filing a claim. The company has five coverage plans that can extend up to 8 years or 200,000+ miles. You can read sample contracts for each coverage plan online to understand what’s covered.

All Endurance warranties come with the longest list of extra benefits in the industry, including roadside assistance, rental car coverage, tire repairs, shopping discounts, and more. 

Learn more in our Endurance warranty review, and get a free quote from Endurance below. 

Best Overall Warranty Provider

Our Rating: 4.6 out of 5.0

CARCHEX: Best for Used Cars

If your vehicle already has 175,000 miles but is still going strong, you may want to consider CARCHEX. This provider can cover up to 250,000 miles, which is longer than other top companies. CARCHEX offers five extended warranty options with a good range of added benefits. The company has been in business for more than 20 years and has an A+ rating with accreditation from the BBB. 

Find out more in our CARCHEX review, and get a free, personalized quote from CARCHEX by clicking below. 

Best Warranty Provider for Used Cars

Our Rating: 4.4 out of 5.0

AA Used Car Warranty: FAQ

Is AA Auto Protection Legit?

AA Auto Protection has an unaccredited F rating with the Better Business Bureau (BBB) and a 1.47 star out of 5 stars customer rating on the BBB. The BBB warns customers of AA Auto Protection’s deceptive practices, such as using an “A” rated logo similar to the BBB’s rating logo.

What does an AA auto warranty cover?

AA Auto Protection offers five levels of extended warranty coverage, Full Coverage, Premium Stated Component Coverage, Stated Component Coverage, Premium Powertrain Plus Coverage, and Premium Powertrain Coverage. Each plan has several contract options because AA Auto Protection works with multiple administrators.

How much does an AA warranty cost?

The cost of an AA Auto Protection extended depends upon the plan’s administrator. Typically, payment terms are offered for up to 24 months. Quotes are not available online. Common factors that will affect the cost of an extended warranty include vehicle type, vehicle reliability, coverage type, and the level of deductible chosen.

Our Methodology

Our expert review team takes satisfaction in providing accurate and unbiased information. We identified the following rating categories based on consumer survey data and conducted extensive research to formulate rankings of the best extended auto warranty providers.

  • Affordability: A variety of factors influence cost, so it can be difficult to compare quotes between providers. Our team performs ongoing secret shopper analyses for different vehicles, mileages, warranty plans, and locations to give this rating.
  • Coverage: Because each consumer has unique needs, it’s essential that a car warranty company offers an array of coverage options. We take into account the number of plans offered by each provider, term limits, exclusions, and additional benefits.
  • Industry Standing: Our team considers Better Business Bureau (BBB) ratings, availability, and years in business when giving this score.
  • Customer Service: Reputable extended car warranty companies operate with a certain degree of care for consumers. We take into account customer reviews, BBB complaints, and the responsiveness of the customer service team.