Protect My Car vs. Endurance
Protect My Car and Endurance are both reputable extended car warranty companies
Protect My Car and Endurance are both reputable extended car warranty companies, but each has its strengths and weaknesses. In this comprehensive comparison of Protect My Car vs Endurance, we take a closer look at each provider’s extended auto warranty coverage, cost, reputation and more.
Both companies made our 2021 review of best extended car warranty companies, with Endurance placing first and Protect My Car ranking fourth. Learn more about these providers in this head-to-head review. You can also get free quotes from Protect My Car and Endurance above.
Overview of Protect My Car and Endurance
Below, we’ve outlined key facts about Protect My Car and Endurance so you can get a feel for their reputation, coverage plans and availability.
| Protect My Car: Best for Long-Term Financing | Endurance: Best Provider | |
|---|---|---|
| Headquarters | Saint Petersburg, Florida | Northbrook, Illinois |
| Years in Business | Founded in 2005 | Founded in 2006 |
| Warranty Availability | All states except AK, CA, HI, MO, OK, WA | All states except CA |
| Levels of Coverage | 3 | 6 |
| Longest Coverage Term Available | — | 8 years |
| Maximum Mileage Limit | 125,000 miles | 200,000 miles |
| Get Quote | Get Quote |
Protect My Car Highlights
Protect My Car has been administering vehicle service contracts nationwide since 2005. The provider is a popular choice for many drivers, and it boasts many five-star customer reviews. While it’s not accredited by the Better Business Bureau (BBB), Protect My Car holds an A+ rating. Alongside its three coverage options, the provider offers prepaid maintenance plans.
Endurance Highlights
Endurance is a leader in the automotive warranty industry and has a long-standing history selling car warranties since 2006. Each Endurance customer gets free enrollment in the Endurance Elite Benefits program for a year, which provides additional benefits like roadside assistance and lockout services. The company offers six coverage plans, including a prepaid maintenance plus warranty coverage combination option.
Protect My Car vs. Endurance: Coverage
Protect My Car offers three extended car warranties and five Ambassador Maintenance Plans with term limits up to 125,000 miles. Extended car warranties from Protect My Car provide more comprehensive coverage than maintenance plans from this company, which only cover partial repair costs. Endurance customers can choose between six coverage tiers that extend up to 8 years/200,000 miles.
| Protect My Car Plans | Endurance Plans |
|---|---|
| Supreme Exclusionary coverage that covers the most car parts between the front and rear bumper of your vehicle | Supreme Exclusionary coverage that protects the most car parts and systems with a standard list of exclusions |
| Select Coverage specially designed for vehicles that have over 50,000 miles on the odometer, providing the same coverage as the Supreme plan except the turbocharger and navigation | Superior Highest level of stated-component coverage for hundreds of car parts |
| Driveline Protects vehicles that are four to 10 years old with more than 80,000 miles on the odometer, providing comprehensive coverage for basic powertrain components | Secure Plus Medium-level warranty that has the shortest wait period for coverage |
| Secure Covers select parts that deliver energy from the engine to the wheels | |
| Select Premier Provides specialty coverage for high-mileage vehicles | |
| EnduranceAdvantageTM Combination coverage for routine maintenance service and unexpected vehicle repairs |
Protect My Car’s Ambassador Maintenance Plans
Protect My Car’s five levels of Ambassador Maintenance Plan coverage include Base, Plus, Premium, Pro and Elite tiers. These plans each cover the same parts and systems with various additional benefits. The covered components include:
- Engine
- Transmission
- Transfer case
- Drive axle
- Differential assembly
- Front and rear suspension
- Cooling system
- Air conditioning and heating
- Electrical
- Brake system components
- Timing chain
- Turbocharger
The difference between the plan benefits and deductibles are as follows:
| Base | Plus | Premium | Pro | Elite | |
|---|---|---|---|---|---|
| Deductible | 75% | 75% | 75% | 50% | 50% |
| Roadside Assistance | ✓ | ✓ | ✓ | ||
| Rental Car Reimbursement | ✓ | ✓ | ✓ | ✓ | ✓ |
| Oil Changes | ✓ | ✓ | ✓ | ✓ | |
| Tire Rotations | ✓ | ✓ | ✓ | ✓ |
Endurance, on the other hand, has one maintenance plan that combines regularly scheduled maintenance services with extended warranty coverage, offering extensive component protection. Maintenance services include oil and filter changes, brake pad and windshield wiper replacements and more.
Protect My Car vs. Endurance: Added Perks
The Endurance Elite Benefits program also provides additional benefits. We’ve compared the benefits included with Protect My Car plans, Endurance plans and the Endurance Elite Benefits below:
| Protect My Car Benefits | Endurance Benefits | Endurance Elite Benefits | |
|---|---|---|---|
| Roadside Assistance | ✓ | ✓ | ✓ |
| Rental Car Reimbursement | ✓ | ✓ | ✓ |
| Oil Changes | ✓ | ||
| Tire Rotations | ✓ | ||
| Trip Interruption Reimbursement | ✓ | ✓ | |
| Collision Discount | ✓ | ||
| Identity Theft Recovery | ✓ | ||
| Tire Repairs and Replacements | ✓ | ||
| Repair Finance Loan Reimbursement | ✓ | ||
| Total Loss Protection | ✓ |
Protect My Car vs. Endurance: Cost
Protect My Car offers the best maintenance plans, but Endurance provides more comprehensive coverage and benefits with every contract. We reached out to Protect My Car and Endurance to compare the cost of bumper-to-bumper and powertrain extended car warranty plan prices from each provider. Here were the terms we were offered for a 2018 Toyota RAV4 with 30,000 miles on the odometer. Both plans were offered with a $100 deductible.
| Bumper-to-Bumper Plan | Term | Price | Down Payment | |
|---|---|---|---|---|
| Protect My Car | Supreme | 4 years/100,000 miles | $96.95 monthly (until cancellation) | $99.00 |
| Endurance | Supreme | 5 years/100,000 miles | $77.35 for 36 months | $166.55 |
The powertrain plan quotes were for a 2012 Chevrolet Equinox with 90,000 miles and a $100 deductible. Here were the terms we were offered:
| Powertrain Plan | Term | Price | Down Payment | |
|---|---|---|---|---|
| Protect My Car | Driveline | 4 years/75,000 miles | $67.22 monthly (until cancellation) | $50.00 |
| Endurance | Secure Plus | 5 years/50,000 miles | $95.18 for 36 months | $200.35 |
Endurance offers longer term lengths for lower monthly rates compared to Protect My Car, but the Endurance down payment is higher. However, Protect My Car provides low-cost financing terms compared to other top-rated companies. Both companies have affordable rates.
Protect My Car vs. Endurance: Reputation
Protect My Car and Endurance both have mixed industry and customer reviews. However, this isn’t uncommon among popular warranty providers. Since these companies serve so many customers, negative reviews are inevitable. However, both Protect My Car and Endurance hold above-average ratings overall.
| Protect My Car | Endurance | |
|---|---|---|
| BBB Rating | A+ | C |
| BBB Customer Review Score | 4.67 out of 5 | 3.57 out of 5 |
| BBB Accredited? | ✗ | ✗ |
| TrustPilot Rating | 4.3 out of 5.0 | 3.6 out of 5.0 |
Protect My Car Customer Reviews
Positive Protect My Car customer reviews report specific sales representatives for outstanding customer service and mention high customer satisfaction with Protect My Car’s oil changes and claims processing. Negative Protect My Car customer reviews on Trustpilot report dissatisfaction with rude customer service agents and trouble getting claims coverage for luxury vehicles.
Endurance Customer Reviews
When reading Endurance customer reviews on Trustpilot, a few common themes emerge. Many reviews focus on positive customer service experiences and easy claims approval processes. Negative customer reviews report dissatisfaction with Endurance’s coverage and slow claims processes.
Our Verdict on Protect My Car and Endurance
After comparing Protect My Car and Endurance head to head, Endurance comes out on top. Endurance offers more coverage options at a better price, many of which are longer-lasting than Protect My Car’s plans. However, Protect My Car customer service ratings are high, and both providers offer maintenance coverage.
| Protect My Car | Endurance | |
|---|---|---|
| Overall Star Rating | 8.7 out of 10.0 | 9.6 out of 10.0 |
| Industry Reputation | 9.0 | 9.5 |
| Coverage | 9.0 | 10.0 |
| Price | 8.0 | 9.0 |
| Customer Experience | 9.0 | 9.5 |
Other Top-Rated Providers to Consider
If Protect My Car and Endurance do not have the right car warranty coverage for you, we recommend looking into CARCHEX and CarShield.
CARCHEX: Best for High-Mileage Cars
CARCHEX is one of the most popular car warranty providers in the U.S With impressive partners like Kelley Blue Book and CARFAX, CARCHEX provides one of the longest-lasting car warranties in the industry. Here’s what you should know about CARCHEX before buying in:
- The company partners with Kelley Blue Book, CARFAX and other automotive industry leaders.
- CARCHEX is available in all 50 states.
- The provider backs every contract with its No-Haggle, Low-Price Everyday GuaranteeTM.
- CARCHEX doesn’t cover high-end luxury vehicles like Lamborghini or Ferrari.
To learn more about this provider, read our CARCHEX review, and get a free quote below.
CarShield: Most Affordable
CarShield is an extended car warranty broker and provides the best car warranty for drivers on a budget. CarShield offers customers five coverage options at competitive rates. Here’s what you need to know about the company before considering a CarShield car warranty.
- Choose between five coverage plans plus specialty coverage available for motorcycles and all-terrain vehicles (ATVs).
- All extended warranties are administered by American Auto Shield.
- All covered repairs costs are paid directly to the repair facility.
- Most CarShield contracts are transferable to the next owner.
To learn more about this provider, read our CarShield review, and get a free quote below.
Methodology
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.
