Protect My Car reviews mention easy to use coverage for car repairs like this white sports car being serviced.
Auto Service and Vehicle Maintenance by Professional Technician in the Background. Automotive Industry.

Protect My Car Reviews, Costs, & Coverage (August 2022)

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
4.3
Best Maintenance Benefits

Protect My Car (PMC) is a veteran of the extended car warranty industry, having underwritten plans for more than 16 years. The provider administers vehicle service contracts in almost every state, and Protect My Car reviews are generally positive.

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 the best extended car warranty companies.

Compare Protect My Car Plans

Scroll to compare different extended warranty plans and get a quote in minutes

Plan
Features
  • Best for vehicles 4-10 years old with over 80,000 miles
  • Comparable to a powertrain warranty
  • Maximum coverage of 5 years / 125,000 miles
  • Best for vehicles over 50,000 miles that don’t qualify for Supreme
  • Highest level of stated-component coverage in Protect My Car plans
  • Covers all parts of your vehicle other than turbocharger and navigation
  • Best for new or low-mileage vehicles
  • Comparable to a bumper-to-bumper warranty
  • Maximum coverage of 5 years / 100,000 miles
  • Comparable to a maintenance plan – includes routine maintenance benefits up to $3,500
  • Covers annual safety inspection, alignment check, annual tire rotations, and up to three filter and oil changes
  • Offers protection for salvaged or rebuilt vehicles, lift kits and unlimited miles

Protect My Car Review

In our industry-wide study of the top extended warranty providers, Protect My Car earned a 4.2 out of 5.0-star rating, placing it fourth among all providers.

What stands out about the company is its several maintenance plan options, which is why it earned the award for “Best Maintenance Plans.” These plans, which cover many of the services that keep your car healthy, also include some attractive benefits.

Protect My Car Highlights

Founded: 2005
Headquarters: Saint Petersburg, Florida
Coverage Levels:
3

Protect My Car has been offering vehicle service contracts for nearly two decades. As a result, it has earned a strong reputation among industry professionals and customers alike.

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

Protect My Car Pros Protect My Car Cons
  • Easy access to claims over the phone
  • Offers flexible financing terms of up to 48 months
  • Lots of maintenance plan options with included benefits
  • Not available in six states.
  • Warranty coverage not available for vehicles more than 13 years old.
  • Fewer warranty plan options than many providers

Protect My Car Extended Warranty Costs

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.

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

Deductibles

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.

Flexible Payment Plans

Protect My Car is one of the more flexible providers when it comes to how you pay for coverage. When you buy a plan from PMC, you’ll have the option to choose payment terms between 36 and 48 months. You can also choose to pay for coverage upfront.

Protect My Car Coverage

Protect My Car offers three extended car warranty plans, ranging in coverage and cost.

Supreme

The Supreme plan is comparable to a manufacturer’s warranty on a new car with low miles. Like a factory warranty, the Supreme plan is exclusionary coverage. That means this coverage plan covers everything that’s not specifically listed as an exclusion in your paperwork.

Select

The Select plan is available for vehicles with more 50,000 miles that don’t meet the requirements for the Supreme plan. Although it is stated-component coverage, it covers nearly everything the Supreme plan covers, the exceptions being your car’s navigation system and turbocharger.

Driveline

The Driveline plan is available for older cars four to 10 years old with more than 80,000 miles. This plan still covers the drive axle and the rest of the powertrain system, along with your car’s cooling and electrical systems. It does not cover the front and rear suspension, navigation, or turbocharger systems.

Protect My Car Warranty Coverage Details

The table below shows which systems and components each PMC warranty plan covers – and which ones it doesn’t.

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
Turbocharger     X
Navigation     Varies

Both 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 provides some transparency into how the company operates.

Protect My Car Extended Warranty Benefits

The company’s benefits were a frequent topic of positive Protect My Car reviews from customers. PMC packages more benefits with its plans than most providers. These perks 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 their warranty plans.

Ambassador Maintenance Plans

Protect My Car also offers 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 part of the reason many drivers prefer the provider for maintenance.

Here’s an overview of each Protect My Car Ambassador Maintenance 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

Ambassador Plan Benefits

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

How to Use A Protect My Car Warranty

Protect My Car has a simple and straightforward claims process. There are just a few steps you need to take:

  1. Check your contract: First, make sure your warranty covers the repair you need. This list of covered components (or exclusions) will be listed in your contract.
  2. Authorize repairs: Call the PMC claims department and provide details of your claim. A representative may request an inspection or diagnosis from a mechanic. If your repair is covered, the company will authorize your repairs.
  3. Get to the repair shop: Take your car to any repair shop certified by the National Institute for Automotive Service Excellence (ASE®). Be sure to tell your mechanic about your protection plan.
  4. Pay for service: Protect My Car will pay the repair shop directly. However, you’ll need to pay the deposit listed in your contract upfront.
  5. Provide documents: To finish your claim, you’ll need to send over documentation to the claims department at Protect My Car within 30 days. Note that it is unclear whether this is 30 days from the date or repair or the date of diagnosis.

Protect My Car Claims Issues

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. Protect My Car reviews show that mechanics have had some trouble getting in touch with the company, though.

What’s Not Covered by Protect My Car Warranties?

An extended auto warranty offers protection for repairs that come as a result of normal usage of your vehicle. But even the most comprehensive plans won’t cover you in every situation.

Here are some items that aren’t covered under a Protect My Car extended warranty:

  • Pre-existing repair needs
  • Repairs needed due to competitive driving
  • Normal wear and tear items
  • Repairs resulting from improper use or misuse
  • Repairs resulting from lack of maintenance
  • Weather-related repairs
  • Accidental damage

Since your auto insurance policy covers damage to any part of your vehicle in a collision, your warranty won’t cover that either. Some parts aren’t covered under any condition, such as bulbs, hoses, catalytic converters, and other emissions components.

How To Cancel Protect My Car Warranty Coverage

If you want to cancel your Protect My Car coverage, you can do that at any time. Depending on how long it’s been since you started coverage, you may even be eligible for a full refund. 

To cancel your Protect My Car extended warranty, you need to take a few steps. 

  1. Complete the online cancellation form at protectmycar.com. 
  2. Call the PMC phone number at 1-844-556-4762 to initiate the cancellation process. 
  3. Send a paper copy of your completed cancellation form to:

Protect My Car, LLC
570 Carillon Parkway Suite 300
St. Petersburg, FL 33716. 

It may also be a good idea to send your form through registered mail so that you can get delivery confirmation.

Wheels and Tires
Protect My Car warranty plans include tire rotations and oil changes – rare bonuses.

Protect My Car Reviews

Protect My Car reviews don’t reflect the auto warranty 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 4.5 stars out of 5.0. The provider boasts a 4.5-star rating out of 5.0 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 prorated refunds 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 customer 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 increase 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

Our Rating: 4.2 out of 5.0

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 best coverage for you. 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 out of 5.0 on Trustpilot based on over 3,300 reviews, along with a 3.4-star rating out of 5.0 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 Provider

Our Rating: 4.6 out of 5.0

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 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 3.3-star rating out of 5.0 on Trustpilot.

Find out more in our CARCHEX review.

Best Provider for Used Cars

Our Rating: 4.3 out of 5.0

Frequently Asked Questions

Is Protect My Car legit?

Yes, Protect My Car reviews reveal that the company is a reputable extended warranty provider backed by high BBB and Trustpilot customer reviews. In our extended car warranty review, we gave Protect My Car 4.5 out of 5.0 stars.

How much does Protect My Car cost?

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. Extended car warranty prices depend on your vehicle make, mileage, and age.

How does Protect My Car work?

Protect My Car offers standard extended car warranties as well as plans that combine maintenance benefits and warranty coverage. If a mechanical breakdown occurs, Protect My Car pays the bill for repairs of covered vehicle components. 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 your Protect My Car extended warranty, 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 St. Petersburg, FL 33716. It may be a good idea to send your form through registered mail so that you can get delivery confirmation.

Does Protect My Car cover body damage?

Protect My Car warranties, like nearly all car warranties, do not cover body damage. That’s because they’re not meant to. Body damage is typically covered by your car insurance policy, depending on which coverages you have.

Is Protect My Car the same as CarShield?

Protect My Car and CarShield are separate companies and are unrelated. However, both are reputable providers of extended auto warranties.

Does Protect My Car cover transmissions?

Yes. In fact, every Protect My Car service contract covers transmission repairs.

Does Protect My Car cover oil changes?

Protect My Car extended warranty plans all include coverage for oil changes. This is a useful benefit that is not common in the vehicle service contract industry.

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.

How to Get Invoice Pricing


  1. 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.