Protect My Car has sold vehicle service contracts for 15 years, and Protect My Car reviews well among professionals and customers. The company is known for its maintenance plans and long financing terms for extended warranties. If you’re thinking of purchasing an extended car warranty to keep your car protected after your manufacturer’s warranty expires, you may have come across this company. But is a Protect My Car extended car warranty worth it?
This article takes a close look at Protect My Car reviews, coverage and cost – the same standards we used to rank the best extended car warranty companies. While we will discuss the relative cost of a Protect My Car warranty, the only way to learn exactly what a contract with PMC will cost you is to reach out for an individualized quote.
Is Protect My Car Worth It?
Overall, we think Protect My Car is one of the better extended auto warranty providers. Maintenance contracts provide coverage for older vehicles, and we think Protect My Car has the Best Long-Term Financing in the industry. If you decide that you want an extended warranty for your vehicle, it is worth at least requesting a free quote from Protect My Car.
|Overall Rating||8.7 / 10.0|
Protect My Car Coverage
Protect My Car has three extended warranty plans that can pay for certain car repairs for up to 125,000 miles. The company also offers Ambassador Maintenance Plans, which do not pay for the full cost of repairs but are less expensive and cover older vehicles. Protect My Car is one of the few companies to offer this type of coverage.
Extended Warranty Plans
Protect My Car doesn’t offer the highest level of coverage on the market (a bumper-to-bumper exclusionary warranty) or the lowest (a basic powertrain plan). All three of its coverage plans are midrange, although there are noticeable differences between them.
- Supreme: Most vehicle systems are covered under the Supreme plan, with the option to protect some equipment, such as your navigation system.
- Select: A good choice for cars with over 50,000 miles, the Select plan covers many components, including the steering, front and rear suspension and brakes.
- Driveline: This plan might be referred to as a powertrain plus warranty by car enthusiasts. The Driveline plan is available for cars between four and 10 years old with more than 80,000 miles and covers essential components like the engine, transmission and fuel system.
The table below outlines the major coverage differences between these three protection plans:
|Air Conditioning and Heating||✓||✓||✓|
|Front and Rear Suspension||✓||✓|
|High-Tech Electrical Components (Optional)||✓|
All of Protect My Car’s extended auto warranties are stated-component plans. That means every component that is covered is listed in the contract, which makes contracts easy to understand. The most comprehensive extended car warranties are exclusionary plans, which only list the parts that aren’t covered under contract. Protect My Car does not offer this type of bumper-to-bumper extended warranty.
Extended warranties from Protect My Car are available in every state except Alaska, California, Hawaii, Missouri, Oklahoma and Washington.
Ambassador Maintenance Plans
A hybrid between an extended warranty and a prepaid maintenance contract, an Ambassador plan will cover vehicle repair costs up to a certain percentage depending on the plan you choose. The coverage comes with three free oil changes and two tire rotations per year.
Here’s a closer look at the components covered by each Ambassador plan. You’ll notice that the coverage doesn’t vary much from the lowest level to the highest. The main differences are the deductible amount and whether or not extra benefits are included.
|Ambassador Elite||Ambassador Pro||Ambassador Platinum|
|Front and Rear Suspension||✓||✓||✓|
|Air Conditioning and Heating||✓||✓||✓|
|Select Brake System Components||✓||✓||✓|
Unlike Protect My Car extended warranties, the Ambassador Maintenance Plans are exclusionary contracts. Each has a fairly short list of exclusions, including things such as air bags, brake pads, bulbs, mufflers and spark plugs. All plans have a 30-day, 1,000-mile waiting period.
Extended Warranty Plan Benefits
- Roadside assistance: Includes jump-starts, lockout services, spare tire installation, fluid delivery, towing and phone concierge services in case of a mechanical breakdown or other roadside emergency
- Rental car reimbursement: Up to $30 per day for a maximum of seven days
- Trip interruption coverage: Up to $50 per day for a maximum of three days if your car was disabled at least 150 miles from home
As a Protect My Car customer, you can also build up rewards points to spend at a number of retail outlets and restaurants. You start with $50 in points.
Ambassador Maintenance Plan Benefits
- Free oil changes and tire rotations
- Lockout service
- Flat tire assistance
- Rental car reimbursement
- Roadside assistance (Ambassador Elite and Ambassador Platinum plans only)
Once you have a Protect My Car warranty and experience a mechanical breakdown, the claims process is as follows:
- Bring your vehicle to any repair shop certified by the National Institute for Automotive Service Excellence (ASEⓇ).
- Call Protect My Car’s claims department at 844-256-4762 to initiate the claim.
- Be ready to provide your contact information and Protect My Car claims number to the licensed repair facility.
- Protect My Car will authorize the facility to begin work.
- Protect My Car will reimburse you or pay the repair shop directly, minus your deductible ($200 for the Driveline plan or $100 for the Select or Supreme plans).
If you take your car in for a repairs under an Ambassador Maintenance Plan, Protect My Car will pay 25% or 50% of the repair cost, depending on the contract.
Cost of Protect My Car
When we reached out for quotes from Protect My Car, we were quoted $96.95 monthly for a 4-year/100,000-mile Supreme plan and $67.22 monthly for a 4-year/75,000-mile Driveline plan.
|Protect My Car Extended Warranty||Vehicle Profile||Coverage Term||Monthly Payment||Down Payment||Deductible|
|Supreme||2018 Toyota RAV4 with 30,000 miles||4 years/100,000 miles||$96.95||$99.00||$100.00|
|Driveline||2012 Chevy Equinox with 90,000 miles||4 years/75,000 miles||$67.22||$50.00||$200.00|
It should be noted that both of these plans had unlimited payment terms, but Protect My Car does offer set payment plans of 36 to 48 months. If you purchase a plan with unlimited payment terms, you may end up paying more in the long run than you would for a plan with set terms.
The representative that we spoke with offered to work with us to reduce the price further if we purchased plans for both the Toyota and Chevy.
Your extended warranty prices will depend on factors such as your vehicle make, model, age, mileage and location. When you purchase an extended warranty from Protect My Car, your plan comes with a 30-day money-back guarantee.
Protect My Car Reviews and Ratings
Protect My Car reviews are mostly positive. The company has a 4.57-star rating from more than 600 customer reviews logged with the Better Business Bureau (BBB) and a 4.5-star rating from more than 1,800 reviews on Trustpilot. The BBB rates Protect My Car A+, though it is not accredited.
Customers have lodged more than 150 complaints against Protect My Car through the BBB in the last three years, but for an extended auto warranty company of Protect My Car’s size, this number represents only a small percentage of customers.
Overall, Protect My Car reviews highlight excellent customer service and a smooth claims process. However, as with most warranty companies, there are negative reviews about the claims process too.
Positive Protect My Car Reviews
Satisfied Protect My Car customers mention quality claims service and great coverage. Several Protect My Car Reviews mentioned courteous customer service agents and a simple repair process.
“I have been with Protect My Car for the past five years, and they have paid out over $2,500 for my 2013 Nissan Quest. Their customer service support and how they look out for their customers is unlike anything I have encountered before…” – Frances D. via BBB
Negative Protect My Car Reviews
Not everyone is satisfied with Protect My Car extended warranties. Negative Protect My Car reviews point to aggressive sales tactics and difficulty contacting claims agents. The number of these reviews is low relative to the size of the company.
“Mechanics hate this company! Horribly convoluted and shifty service. Not to mention, every time you want something fixed, it takes about six calls just to get everything sorted, and it takes 30–45 minutes each time just for them to pick up the call. The sales person was pushy and made my policy seem way better than what it actually was…” – Jon M. via BBB
Our Picks for Best Extended Car Warranties
Protect My Car is a good choice when it comes to an extended warranty, offering you peace of mind on the road for a reasonable rate. But anytime you shop for vehicle protection plans, we recommend getting at least three quotes so you can make sure you’re getting the best coverage and price.
In our market research of extended car warranty plans, we found a few providers that are head and shoulders above the rest. CARCHEX and CarShield are two of the most reputable extended car warranty companies in the business. Get a free quote from each so you can compare plans side by side.
CARCHEX: Best for High-Mileage Cars
For 21 years, CARCHEX has had an excellent reputation in the auto warranty industry. It is partnered with experts like Kelley Blue Book, CARFAX and Edmunds.com, and it has an A+ rating from the BBB. Warranty terms extend up to 10 years or 250,000 miles, so high-mileage vehicles are covered. Our CARCHEX review found that warranty prices are affordable compared with other top providers, and CARCHEX customer service is top-of-the-line.
CarShield: Most Affordable
CarShield has some of the cheapest prices around, and with six levels of warranty coverage, there are plenty of options for plans and terms. Among extended warranty providers, CarShield is the most popular. It’s endorsed by celebrities like sportscaster Chris Berman, actor Ernie Hudson of Ghostbusters and actress Adrienne Janic of TLC’s Overhaulin’. If you’re looking for a low monthly payment, learn more about the company in our in-depth CarShield review.
To read a side-by-side comparison of these providers, read our CARCHEX vs. CarShield review.
FAQ: Protect My Car
Do I need to get my car serviced at the dealership with Protect My Car?
No. You can take your car to any ASE-certified repair shop for covered repairs with Protect My Car.
What is the contact information for Protect My Car’s corporate office?
Protect My Car’s corporate office is located in Saint Petersburg, Florida. You can contact the company through its website at protectmycar.com or by calling its phone number, 800-253-2850.
Does Protect My Car cover older vehicles?
Yes. Protect My Car has policies for older cars as well as new cars and newer pre-owned vehicles.
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.