When it comes time to extend your vehicle’s warranty coverage, there is a sea of service providers from which to choose. National Vehicle Protection Services (NVPS) is one of many extended service contract providers.

The best extended auto warranty companies provide peace of mind and reasonable financing. The worst companies use high-pressure sales tactics to bully consumers into bad deals. This article will see where National Vehicle Protection Services falls by providing transparent information. We’ll look at coverage options, cost, the claims process, and customer reviews to determine an overall provider score and recommendation.

In addition to reading our review, be sure to seek out quotes for yourself. A number of elements can influence the final price of a car warranty, including your location and vehicle mileage. The prices we discuss can give you an indication of cost, but you won’t know your own options unless you seek them out yourself. The buttons below can help you get started.

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What is National Vehicle Protection Services?

Overall Rating 1.8
Reputation 1.4
Coverage 2.3
Price 3.5
Transparency 1.0
Customer Service 1.0

National Vehicle Protection Services is an extended auto warranty provider that has been in business for 12 years and operates out of Missouri. Despite being around for some time, it is not as well-known as younger competitors—likely for a reason.

The company has a history of poor customer reviews and lackluster claims servicing. While it offers competitive pricing, there is little else to recommend National Vehicle Protection Services for.

What Does National Vehicle Protection Services Cover?

There are three policies offered by National Vehicle Protection Services: Core, Comprehensive, and Complete. Each policy can be modified to include some additional coverage. How pricing and packaging works is not made clear on the company’s website. Details for each protection plan are described in the chart below.

Core Comprehensive Complete
Engine
Transmission
Water Pump
Differential
Turbo/Supercharger
Air Conditioning ✓*
Starter
Alternator
Water Pump
Brake System ✓* ✓*
Fuel System ✓* ✓*
Power Windows and Seats ✓* ✓*
Navigation System ✓* ✓*
Back-Up Camera ✓* ✓*
Factory-Installed Radio ✓*
Anti-Theft Systems ✓*
Heated Seats ✓*
Emissions System ✓*
Exclusionary ✓*

*Available as additional coverage.

The longest available term is 7 years or 100,000 miles. All policies are transferable and include a $100 deductible.

Customers are responsible for regular maintenance. This includes things like oil changes, tire rotations, and manufacturer-recommended inspections. 

Additional perks of getting coverage through National Vehicle Protection Services include:

  • Courtesy towing
  • Rental car reimbursement
  • Roadside assistance

National Vehicle Protection Services Cost

The final cost of a vehicle service contract is variable. Prices depend on your location, vehicle model, and mileage. High-mileage vehicles are more expensive to cover and not always eligible for a bumper-to-bumper extended warranty.

National Vehicle Protection Services does not list prices on its website, but we were able to find several reviews on the company’s Better Business Bureau (BBB) profile, in which customers reported paying between $3,200 and $4,000 for coverage. Assuming these reports were for full-coverage contracts between four and five years (which is the industry standard), this is an average price for the industry.

Quotes and Claims Processes

For quotes, you can call National Vehicle Protection Services directly, but we don’t recommend doing so. When we tried calling the company for a sample quote, we were met with customer service representatives who were incredibly rude. We were asked to wait for long periods of time just to be disconnected. After attempting to speak with a number of different sales agents, we found that every one met us with hostility, and none ended up supplying a quote.

This is abnormal. In our experience, most extended warranty providers have fast and easy quotes processes. Even less-reputable providers make an effort when it comes to sales.

Claims

For those with a National Vehicle Protection Services contract, claims are handled by the company’s claims department. When your vehicle is in need of a repair, you can bring it to any repair shop that’s been certified by the National Institute for Automotive Service Excellence (ASE®). Give your policy information to the shop, and it will contact NVPS to handle the rest. After repairs are made, NVPS pays mechanics directly, and all you’ll need to cover is your deductible.

National Vehicle Protection Services Ratings and Reviews

National Vehicle Protection Services currently holds a B rating from the BBB. While this is a fairly strong grade, the BBB has also placed an alert on the company’s profile advising consumers that there have been multiple reports of incidents such as:

  • Misleading and high-pressure sales or advertising practices
  • Difficulty cancelling contracts
  • Rude/intimidating customer service
  • Harassing phone calls

In a number of instances, consumers claimed that National Vehicle Protection Services sent out misleading mailers that appeared to fraudulently claim affiliation with their dealership or manufacturer. The company also seems to have been targeting the elderly. More than one customer complained that an elderly parent was duped into signing up for a contract.

National Vehicle Protection Services has replied to the BBB alert and claims to be working to address these complaints. It created a compliance department in 2019 to address customer concerns, but this appears to have done little to reduce the complaints.

National Vehicle Protection Services Extended Warranty: 1.8 Stars

We do not recommend National Vehicle Protection Services when it comes to covering your vehicle. There are a slew of better alternatives, from extended manufacturer warranties to more reputable third-party providers.

When you purchase an extended warranty, you want to know that your car is protected by an honest company that will stand by its service agreement. National Vehicle Protection Services has a pattern of misleading sales practices and, in our experience, rude customer service representatives. An easy quotes process should be the bare minimum for any extended warranty provider, and the fact that this company makes it so hard to get a quote is a major red flag.

Top Recommendations for Extended Car Warranties

While we don’t recommend National Vehicle Protection Services, there are other top-notch extended auto warranty providers out there. If you’ve decided that a vehicle service contract is the best way to manage your car’s repair costs, consider checking out some of our top recommended providers.

As with any expensive purchase, you should get multiple quotes specific to your vehicle and compare pricing among providers.

Endurance: Best Coverage

If you’re looking for a reputable car warranty company backed by over 15 years of industry experience, Endurance is the right provider for you.

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

Warranty plans come with 1-year Endurance Elite membership including roadside assistance, ID theft, member rewards, repair financing up to $5,000 in repair loans, personal assistant, key fob replacement, tire repair, and access to the Endurance Protect App.

To learn if Endurance is the best fit for your needs, use our tool below to get a free quote.

★★★★★
Endurance is our pick for best coverage with its comprehensive warranty options.

Protect My Car: Best Long-Term Financing

Protect My Car sells three different coverage levels: Driveline, Select, and Supreme. Supreme—Protect My Car’s highest level of coverage—offers exclusionary protection comparable with most manufacturer warranties. Protect My Car coverage can extend as high as 125,000 miles.

In our Protect My Car review, we asked the company to provide a quote for bumper-to-bumper coverage on a 2017 Ford Explorer with 45,000 miles and were offered the following terms:

Plan Term Length Financing Down Payment Deductible
Supreme 4 years/100,000 miles $95/month for 48 months $99 $100

This deal stands out because of the low financing terms. For a bumper-to-bumper exclusionary contract, we’ve come across few providers that offer such a low monthly financing rate. This is the reason we rate Protect My Car as the best option for long-term financing.

To find out how much you would pay for a Protect My Car extended warranty, get a free quote for your vehicle.

★★★★½
Protect My Car is our pick for best financing.

CarShield: Best Value

There are six different service contracts that can be purchased through CarShield. The longest contracts extend for up to 200,000 miles of coverage. In our in-depth CarShield review, we asked CarShield for quotes on a 2013 Dodge Caravan with 88,000 miles and were offered the following terms for a powertrain warranty:

Plan Term Length Financing Down Payment Deductible
Gold 4 years/48,000 miles $78/month for 18 months $250 $100

Among our top recommended providers, CarShield offers some of the lowest prices for coverage. For this reason, we named CarShield the Best Budget Warranty option.

While CarShield has received a few negative customer reviews, many of which mention a lag in claims servicing, the majority of customers report satisfaction. The company has a “Great” rating on Trustpilot based on over 9,000 reviews.

Learn more about coverage from CarShield by getting a free, personalized quote.

★★★★½
Our research found this provider to be the most affordable. Plus, it offers monthly plans.