Protect My Car (PMC) is a veteran of the extended car warranty industry, having underwritten plans since 2005. 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.
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Best for vehicles 4-10 years old with over 80,000 miles
In our industry-wide review 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 Pros & Cons
Protect My Car Pros
Protect My Car Cons
Easy access to claims over the phone
Flexible financing terms of up to 48 months
Several 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
What We Like About Protect My Car
Protect My Car earned one of the top scores in our 2022 extended warranty study, meaning it scored well in every category. However, there are a few things that really stood out to our team:
Flexible financing: Protect My Car offers payment terms of up to 48 months. This can bring down monthly payments and make coverage more affordable.
Maintenance plans: Not every extended warranty provider covers regular maintenance, but Protect My Car does. The company’s Ambassador maintenance plans can add coverage for routine services to your plan.
Included benefits: All PMC plans include roadside assistance, trip interruption coverage, and rental car reimbursement.
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 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.
Depending on which Protect My Car extended warranty plan you choose, you’ll pay the repair shop your $100 or $200 out of pocket 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 up front.
Protect My Car Coverage
Protect My Car offers three extended car warranty plans, ranging in coverage and cost.
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.
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.
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.
Best Plan For:
New or low-mileage vehicles
Vehicles over 50,000 miles that don’t qualify for Supreme coverage
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:
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
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
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:
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.
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.
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.
Pay for service: Protect My Car will pay the repair shop directly. However, you’ll need to pay the deposit listed in your contract up front.
Provide documents: To finish your claim, you’ll need to send over documentation to the claims department at Protect My Car within 30 days.
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
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.
Complete the online cancellation form at protectmycar.com.
Call the PMC phone number at 1-844-556-4762 to initiate the cancellation process.
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.
Protect My Car Reviews
Protect My Car reviews don’t reflect the auto warranty company’s long history, despite the company being in business since 2005. Protect My Car is not accredited by the Better Business Bureau (BBB), though it does have an A+ rating.
Protect My Car has a rating of 4.0 stars out of 5.0 on the BBB. The provider boasts a 4.4-star rating out of 5.0 on Trustpilot.
Positive Protect My Car Reviews
Positive Protect My Car reviews on the BBB website mention 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.
Protect My Car Review: Conclusion
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.
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 4.0-star rating on Trustpilot and a 3.5-star rating on the BBB website. Positive Endurance warranty reviews touch on the company’s competitive rates and customer service.
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 2.9-star rating on Trustpilot.
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.
Does Protect My Car cover damage from a car accident?
Protect My Car doesn’t cover damage from a car accident, even to listed components. This responsibility falls to your insurance company.
How long has Protect My Car been in business?
Protect My Car has been in business for over 17 years. The company first opened in 2005.
Does Protect My Car have a waiting period?
Protect My Car has a 30-day waiting period on its warranty plans, meaning you can’t use the coverage within the first 30 days of signing your contract. The company’s Ambassador Maintenance plans come with a 15-day waiting period.
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.