Auto repairs can be expensive, especially when it comes to critical parts, such as the engine or transmission. Although a manufacturer’s warranty will cover repairs the first few years, many people keep their car, truck or SUV long beyond that period and encounter problems later. An extended car warranty can cover repair costs and protect you from the surprise and stress of expensive trips to the service center.
Our team looked into the best extended auto warranty companies to compare coverage, pricing and other factors, such as how well each company handles claims and the types of customer reviews it receives. Below, we explore Delta Auto Protect reviews and provide our take on the warranty company. If you’re shopping for an extended car warranty, we suggest getting several quotes from top providers to find the best coverage and price.
Delta Auto Protect Overview
Delta Auto Protect has offered vehicle service contracts since 2013. The company directly administers its extended warranties, unlike numerous businesses that offer plans from other companies and act as a middleman. Omega Vehicle Services, LLC, owns Delta Auto Protect.
Vehicles in Florida, Missouri, Texas and Washington are not eligible for extended auto warranties from Delta Auto Protect.
Here are our Delta Auto Protect review scores:
|Overall Rating||4.0 / 10.0|
Delta Auto Protect Extended Warranty Coverage
Extended vehicle service contracts from Delta Auto Protect are designed to cover the costs of repairs after the original manufacturer’s warranty has expired. Plans can cover vehicles for up to eight years. Coverage is available for vehicles up to 20 years old or 140,000 miles.
There are three coverage levels available. Here is a summary of what each Delta Auto Protect plan covers:
|Diamond||Diamond Plus||Diamond Premier|
|Four-wheel and all-wheel drive||✓||✓||✓|
|Anti-lock brake system||✓|
|Seals and gaskets||✓|
Every plan comes with 24-hour roadside assistance, which includes towing, lockout service, jump-starts and fuel delivery. Delta Auto Protect reimburses for car rentals at a higher rate than many other extended warranty providers ($65/day for four days). If your car breaks down far from home, you may also be reimbursed up to $150 to cover meals and lodging.
Cost of Delta Auto Protect
In our research, we found Delta Auto Protect costs to be on par if not cheaper than other extended car warranty providers. Prices depend on a vehicle’s make, model, age and mileage. If you get a lower quote from another company, Delta Auto Protect promises to match it if the coverage is the same.
The size of the down payment required depends on which plan you choose. Delta Auto Protect offers 24-month payment plans, making monthly payments affordable. Some vehicle service contracts have no deductible.
How to Get a Quote and File a Claim
To get a quote, you can contact Delta Auto Protect directly by phone or fill out a form online. The quote you receive will expire quickly (possibly within a few hours). If you want to compare options from several companies (and you should), we suggest that you request information from other providers first, so you will be able to compare their plans and prices to those from Delta Auto Protect. That will allow you to make an informed decision without feeling rushed and take advantage of the company’s price match guarantee.
Since Delta Auto Protect directly administers its own plans, the hope is that you’re able to file claims and resolve disputes more easily than you would with companies that act as a middleman.
The Delta Auto Protect staff include technicians certified through the National Institute for Automotive Service Excellence (ASE). When you file claims, representatives communicate directly with repair facilities and review records to decide whether they agree with a mechanic’s diagnosis of a problem and estimated cost of repairs.
Repairs eligible for coverage under a vehicle service contract must be performed by an ASE-certified mechanic. Payments for labor are based on a repair facility’s posted hourly rate.
You can transfer or cancel Delta Auto Protect contracts. The Delta Auto Protect cancellation policy is that if you change your mind within the first 30 days and haven’t filed a claim, you’re eligible for a full refund.
Delta Auto Protect Reviews
According to the Better Business Bureau (BBB), Delta Auto Protect has received a large number of customer complaints. Some customers said they were subjected to aggressive sales tactics. Quotes from Delta Auto Protect expire quickly, and consumers reported receiving numerous phone calls and said representatives pressured them to sign up for a plan before they had had a chance to review it or compare it to other options.
Customers who purchased a vehicle service contract cited other problems. Some reported that claims that should have been covered were instead denied, staff failed to return phone calls and respond to emails, and the company asked customers to remove negative online reviews before it would agree to address problems.
The last five-star Delta Auto Protect review was posted in August 2018:
“I recently heard some noises coming from my car and took it into the shop. Turned out I needed a new water pump, and Delta went ahead and paid the claim with no questions asked. They paid directly to my repair shop, so I did not have to come out of pocket and get reimbursed. A++ experience for me!” – Brian K., BBB
Below are some complaints submitted to the BBB:
“Delta Auto Protect authorized repairs, promised to pay me or mechanic, over a year now still waiting to be paid. In the meantime, I had to pay for repairs out of pocket. Please help a Gulf War Veteran receive the monies I was promised. Thank you!”
“On May 23, 2018, I filed for a refund of my auto warranty due to the vehicle being totaled in an accident. I have provided all necessary photos and notarized papers two times. I have made 100s of calls inquiring about my refund of approximately $495.00. They have yet to issue my refund, which according to their policy should be in 60 days. They continue to say there are delays in the finance department. I know I am not the only one who has had issues with this company.” – Complaint dated January 23, 2020
Conclusion: Is Delta Auto Protect Worth It?
Delta Auto Protect offers affordable vehicle service contracts. Its offer to match competitors’ pricing can be an attractive selling point for consumers who are looking to save money.
However, the company has been criticized for its aggressive sales tactics. Customers have reported that they felt pressured to purchase a plan without having an opportunity to fully review their options, since the price quoted was only available for a limited time. Consumers have also complained about poor customer service, including problems getting claims approved and refunds issued, as well as unresponsive staff.
Delta Auto Protect reviews are largely negative online, and the extended warranty company is the subject of a lawsuit filed by the Pennsylvania Attorney General. Even though its low prices may be appealing, we believe the negatives should give consumers pause.
Our Picks for Best Extended Car Warranties
With so many companies offering extended warranties, it can be difficult to gather all the information necessary to be sure you choose the right plan and provider for you. We took the time to review several of the best extended car warranty companies to figure out which ones offer the right combination of coverage, affordability and customer service.
Since every driver and vehicle has different needs – and since extended warranty prices depend on many factors – we recommend that you request quotes from a few companies before you purchase a plan. Here are a couple of our favorite extended car warranty companies.
CarShield: Most Affordable
CarShield has sold extended warranties for more than 15 years and has covered over a million vehicles. It offers extended warranties with low deductibles or no deductible for covered repairs. Customers may have repairs performed by any ASE-certified mechanic.
CarShield offers six levels of coverage, including coverage that other companies don’t always include in their plans. For example, CarShield sells extended warranties that cover high-tech components or motorcycles and all-terrain vehicles. Overall, we gave CarShield 9.0 out of 10.0 stars.
CARCHEX: Best for High-Mileage Cars
CARCHEX has sold vehicle service contracts for over 20 years and has a reputation for providing excellent customer service. CARCHEX has earned endorsements from several industry leaders, as well as an A+ rating from the BBB.
The company offers plans with five levels of coverage, and protection lasts up to 10 years. These plans are available for both new and pre-owned vehicles, including ones with high mileage, but options are more limited for owners of luxury vehicles. Most CARCHEX extended warranties also include coverage for roadside assistance, rental car reimbursement and trip interruption.
CARCHEX offers competitive rates and prides itself on its No-Haggle, Low-Price, Everyday Guarantee™ that makes it easy for customers to understand their options and the costs of various service contracts. Overall, we awarded CARCHEX 9.4 out of 10.0 stars.
The Detroit Bureau collects data from every major car warranty provider to formulate rankings of the best warranty companies. Our in-depth rating system takes into account coverage, pricing, transparency, customer satisfaction and ratings from industry experts. Each provider is given a weighted score in five categories, as well as an overall score out of 10.0.
We recommend auto warranty companies based on these rankings, but we also encourage you to perform your own research and compare quotes to find the best coverage.