liberty auto protection

Liberty Auto Protection Extended Warranty Review

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Liberty Auto Protection Extended Warranty Review
In Our Opinion:
Liberty Auto Protection offers six coverage plans, each including a few additional benefits. Its extended warranties range from comprehensive coverage to basic engine protection. The provider doesn’t work directly with customers and offers little information about its services online. We recommend looking for a more reputable company.
Industry Standing:
Coverage:
Affordability:
Customer Service:
Pros
Coverage is transferable
Monthly payment plans available
Additional benefits included with all plans
Six coverage plans, including basic engine coverage
Cons
No online quote tool
Mixed customer reviews
Limited information available online
Average Better Business Bureau rating
3

Liberty Auto Protection provides a variety of coverage plans with a few added benefits, but is it a good choice? 

In this article, we’ll take an in-depth look at Liberty Auto Protection to help answer that question. Read on to learn more about the company’s plan options, see how much coverage might cost you, and find out about the claims process. 

Before making any extended warranty purchase, it’s smart to get quotes from multiple providers. Our review team has ranked the best extended car warranty companies on the market, and you can easily start comparing free, personalized quotes by clicking below.

Endurance
4.6
Industry Standing: 4.4/5.0
Coverage: 4.9/5.0
Affordability: 4.5/5.0
Transparency: 5.0/5.0
Customer Service: 4.4/5.0
idée We recommend Endurance as the best warranty provider
  • Best Overall
  • Coverage Plans: 6 options plus maintenance plan
  • Odometer Limit: Up to 200,000 miles
  • Free Cancellation: 30-day money-back guarantee
  • Longest Term: 8 years of coverage
  • Discounts: $300 same-day signup discount, $250 shopping voucher, and others
Plan coverage includes Endurance Elite perks™
Factory-level bumper-to-bumper plan Free membership for first year
Multiple powertrain/mid-level choices $500 collision discount
Scheduled maintenance coverage Tire repair or replacement
24/7 emergency roadside assistance Total loss protection up to $1,000
Trip interruption reimbursement Key fob replacement and repair
Rental vehicle coverage Endurance mobile app
Towing allowance $250 credit with shopping or dining partners

Liberty Auto Protection Highlights

Liberty Automotive Protection operates under Palmer Administrative Services LLC., which oversees extended warranty plans. The company is based in Ocean, New Jersey and has been in business since 2011. Liberty Auto Protection does not have its own profile with the Better Business Bureau (BBB), but Palmer Administrative Services currently holds a B rating with accreditation for its communication with customers and ethical business practices.

Liberty Auto Protection vehicle service plans are sold nationwide, but specific plan availability varies by state. Drivers with a Liberty Auto Protection warranty can have covered repairs performed at either authorized repair facilities or participating dealerships.

Liberty Auto Protection Extended Warranty Coverage

Liberty Auto Protection offers six extended warranty plans, including:

  • Elite Exclusionary: A bumper-to-bumper warranty that covers most components, with exclusions for maintenance parts and wear-and-tear items
  • Royal Select: High-level stated-component coverage that protects nearly all major vehicle systems
  • Premier: A mid-tier plan that covers most vital components
  • Classic: Enhanced powertrain coverage that includes select systems like the air conditioning and standard electrical components
  • Powertrain: Basic powertrain coverage
  • Basic: Protects only your engine

To get a better idea of which plan best suits your needs, here’s a comparison of Liberty Auto Protection coverage:

Elite Exclusionary Royal Select Premier Classic Powertrain Basic
Engine
Transmission
Drive Axles
Transfer Case
Seals and Gaskets
Water Pump
Standard Electrical
Air Conditioning
Fuel System
Luxury Electrical
Steering
Cooling System
Suspension
Brakes
Anti-Lock Braking System
Turbocharger

Additional Benefits

Liberty Auto Protection plans also come with a few perks, including:

  • Towing coverage
  • Car rental coverage
  • Trip interruption coverage
  • Emergency roadside assistance

All Liberty Auto Protection warranty plans are transferable to a subsequent owner, and you will never be denied coverage for filing too many claims. 

Liberty Auto Protection Cost

Liberty Auto Protection does not offer sample pricing on its website. This is likely because there’s no one-size-fits-all cost for extended auto warranties.

The cost of an extended warranty plan from Liberty Auto Protection will depend on a few factors, including:

  • Coverage level: Often, comprehensive coverage costs more than basic coverage.
  • Contract length: Longer contracts typically are more expensive than shorter contracts.
  • Deductible: Usually, picking a lower deductible will give you a higher monthly premium cost.
  • Vehicle make and model: If you have a high-tech or luxury vehicle, you should expect to pay more for extended car warranty coverage.
  • Vehicle age and mileage: Older, higher-mileage vehicles often need more frequent and more severe repairs, so they’re more expensive to cover.

If you can’t afford to pay upfront for warranty coverage, Liberty Auto Protection offers financing through monthly payment plans. However, be sure to check that you won’t have to pay interest if you go this route. You may also be offered the option to roll the cost of your warranty into your auto loan. We don’t recommend financing an extended warranty this way, as you’ll certainly end up paying interest on the coverage.

How to Get a Quote & File a Claim

To get a quote from Liberty Auto Protection, you’ll need to reach out to a participating agent or dealership.

To file a claim with Liberty Auto Protection, have your repair shop call the provider to discuss the needed repairs. If the work is authorized, Liberty Auto Protection will pay the repair shop directly, meaning you won’t have to wait around for a reimbursement check.

Liberty Auto Protection Reviews

As mentioned above, Liberty Auto Protection does not have its own BBB profile. However, customer reviews of Palmer Administrative Services, the provider’s parent company, are mixed. 

This isn’t uncommon for an extended warranty provider. Some customers mention a smooth claims process and cost-effective plans, while others note the provider’s unhelpful customer service representatives.

Conclusion: Is Liberty Auto Protection Worth It?

Overall, Liberty Auto Protection is an average extended warranty provider. While we do like the number of coverage plans Liberty Auto Protection offers, there’s little information available regarding coverage details, customer reviews, and the quotes and claims processes.

Taking these factors into consideration, we recommend looking into high-quality providers that offer upfront sample contracts and have plenty of positive customer reviews to ensure they’re worth working with. Learn about a couple of the most reputable extended car warranty companies below.

Our Top Recommendations for Extended Car Warranties

It’s always a good idea to get multiple quotes from extended warranty providers before signing a contract. That way, you can compare coverage and costs and make sure you’re getting the best bang for your buck. We recommend reaching out to Endurance and CARCHEX, the two providers that scored the highest in our industry-wide review.

Endurance
4.6
Industry Standing: 4.4/5.0
Coverage: 4.9/5.0
Affordability: 4.5/5.0
Transparency: 5.0/5.0
Customer Service: 4.4/5.0
idée We recommend Endurance as the best warranty provider
  • Best Overall
  • Coverage Plans: 6 options plus maintenance plan
  • Odometer Limit: Up to 200,000 miles
  • Free Cancellation: 30-day money-back guarantee
  • Longest Term: 8 years of coverage
  • Discounts: $300 same-day signup discount, $250 shopping voucher, and others
Plan coverage includes Endurance Elite perks™
Factory-level bumper-to-bumper plan Free membership for first year
Multiple powertrain/mid-level choices $500 collision discount
Scheduled maintenance coverage Tire repair or replacement
24/7 emergency roadside assistance Total loss protection up to $1,000
Trip interruption reimbursement Key fob replacement and repair
Rental vehicle coverage Endurance mobile app
Towing allowance $250 credit with shopping or dining partners

Endurance: Best Overall

Endurance offers six comprehensive coverage plans to choose from and gives drivers the best added-benefits package of any warranty provider on the market.

Here are a few other highlights of this company:

  • Endurance offers high-quality coverage at affordable rates.
  • Contract term limits can extend up to 8 years or 200,000+ miles.
  • The provider offers thousands of repair shop options across the U.S.
  • Drivers can purchase an extended warranty with Endurance at any time.
  • Endurance provides online sample contracts for all of its coverage plans.

For more information, read our complete Endurance warranty review.

CARCHEX: Best for Used Cars

CARCHEX is one of the biggest names in the auto warranty industry with over 20 years of experience. It’s endorsed by other household names like Kelley Blue Book, CARFAX, and Edmunds.com. 

Here’s an overview of why we recommend this provider:

  • It received an A+ rating from the BBB.
  • You can choose from five coverage plans.
  • Term limits can extend up to 10 years or 250,000 miles.
  • The provider offers sample contracts online for added transparency.
  • There’s a specialty extended service plan for high-mileage vehicles available.
  • CARCHEX covers vehicles up to 20 years old or with up to 120,000 miles on the odometer.

Read our comprehensive CARCHEX review for a more in-depth look at this provider.

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.