Ally Extended Warranty Review

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Founded in the 1920s, Ally Bank has helped car dealers finance and maintain their vehicles for over 100 years. Today, Ally offers consumer products that include insurance and a vehicle protection plan called Ally Premier Protection.

The company offers great coverage options for vehicle protection, but how does an Ally extended warranty stack up against the best extended car warranty companies in the industry? In this article, we will explain the ins and outs of an Ally extended warranty, such as its coverage, cost, and claims process. We will also take a close look at customer reviews to see what others have to say about Ally Premier Protection.

Every vehicle and provider is different, so the best way to understand your options is to shop for personalized quotes. The quote form above can help you get started.

Ally also offers three choices of flex coverage: Ultra, Core, and Tech. Each comes with a $100 deductible. Flex coverage begins 30 days after enrollment on a month-to-month and renewing basis. All plans are transferable if your vehicle is sold and include a 60-day money-back guarantee.

Ally offers monthly payment plans as low as $32 per month, so it is possible to get an even lower rate if you purchase protection for a newer vehicle.

These prices are average for the industry. $45 is one of the lowest monthly rates we have seen, but over the course of a three-year contract ends up being on par with other providers. $103 is also a very low monthly payment for bumper-to-bumper coverage. However, over the course of a five-year contract, this ends up being more expensive than most competitors, though not by a lot.

Ally is not accredited by the Better Business Bureau (BBB), but it does have an A+ BBB rating. The company has received more than 1,200 complaints through the BBB in the past three years. This may sound like a lot, but it is a small fraction of the customers that Ally serves. And of the complaints filed with the BBB against Ally, only seven relate to auto warranty products.

An Ally Premier Protection Plan offers comprehensive coverage at a reasonable monthly rate, so it may be a good choice for customers with a low monthly budget, as it offers one of the lowest monthly rates that we have seen. However, this low rate comes with a long-term cost. Over the course of a three- or five-year contract, you will end up paying more for an Ally extended warranty.

Coverage offered by Ally is standard, though it does include coverage for car safety features—something not typically included in bumper-to-bumper extended warranty contracts.

Between comprehensive plans and positive customer reviews, a car warranty from Endurance has proven to be satisfactory for many customers. Coverage is available in almost every state, except California.

This provider has a total of six levels of coverage for customers to choose from. The first five are extended warranties with varying levels to protect against mechanical breakdowns. The last Endurance plan, EnduranceAdvantage™, is a combination between an extended auto warranty and a maintenance contract.

As a new customer, you will receive one year free of Endurance Elite Benefits and access extra perks like key fob replacements, total loss protection, collision discounts, tire repair/replacement, roadside assistance, and the Endurance mobile app.

CARCHEX has not been selling warranties for as long as Ally, but it has been around for a long time. In the past 20 years, CARCHEX has earned multiple industry awards and a legion of loyal customers. Today, it partners with other reputable companies like CARFAX and Kelley Blue Book.

CARCHEX offers five levels of coverage, with mileage limits that extend as high as 250,000 miles. Among our top recommended providers, CARCHEX offers some of the lowest prices. Between the different plans and deductible options, CARCHEX extended warranties are highly customizable.

Q & A

How does an Ally extended warranty work?

Ally Bank offers extended warranty coverage for new and used vehicles. Coverage is for up to 12 years/150,000 miles — whichever one comes first. There is a maximum coverage limit of 200,000 miles.

How is the quotes and claims process for an Ally extended warranty?

The quotes process for an Ally extended warranty is quite easy. Simply call the company’s customer service department number and be ready with your vehicle year, make, model, mileage, and vehicle identification number (VIN). To file a claim with Ally, take your vehicle to any licensed repair facility in the US or Canada and present your customer ID number. The repair facility will manage the paperwork, and Ally pays the facility directly.

Is an Ally extended warranty legit?

Yes, Ally Premier Protection offers flexible extended warranty plans , roadside assistance and trip interruption benefits, and reimbursements. It may be a little less convenient than other extended warranty companies such as Endurance or CarShield, as you have to go through a dealership to purchase a plan in most cases, but it provides real coverage.

Does Ally have car insurance?

No, Ally Banks offers auto financing and protection, but not auto insurance policies.