November 11, 2021
| On 4 weeks ago

Protect My Car: Reviews, Coverage Plans, and Costs (2021)

Protect My Car is well-respected in the auto warranty industry and has high customer satisfaction ratings from the Better Business Bureau (BBB) and Trustpilot. In fact, it’s one of our top four choices for extended car warranty coverage, but do Protect My Car reviews from drivers reflect top-notch service or a scam?

Our comprehensive review of Protect My Car will help you compare the company against some of the best extended auto warranty providers in the industry. In this article, we’ll discuss Protect My Car coverage plans, average costs, and the company’s claims process. We’ll also look into Protect My Car reviews and ratings from customers since you can learn a lot about a provider from what former and current customers have to say.

Protect My Car is our number one pick for Best Financing.

To learn more about our editorial integrity policy and how we make money through affiliate partnerships, read our full disclosure here.

Protect My Car Highlights

Overall Rating 4.5
Reputation 4.6
Coverage 4.6
Price 4.6
Transparency 4.6
Customer Service 4.2

Protect My Car has been in business since 2005 and is available in every state except Alaska, California, Hawaii, Missouri, Oklahoma, and Washington. In addition to selling extended warranty plans, the St. Petersburg, Florida-based company sells auto insurance products.

The company has an A+ rating from the BBB, and Protect My Car reviews from customers through the BBB are positive—Protect My Car has 4.5 out of 5.0 stars, with over 600 customers weighing in. Out of more than 2,000 Protect My Car reviews on Trustpilot, the company holds an even better 4.6- out of 5.0-star score.

Many warranty providers will not cover vehicles over a certain age, and the same is true of Protect My Car. However, Protect My Car does sell Ambassador Maintenance Plans that partially cover repair costs for vehicles more than 13 model years old. Some Protect My Car reviews say that it’s difficult to find coverage elsewhere for older vehicles.

Average Cost of Protect My Car

We reached out to Protect My Car to ask for a quote on a 2017 Ford Explorer with 45,000 miles. We were quoted $96 per month for 48 months to get the high-end Supreme plan, leading to a final price of $4,707. Details of Protect My Car’s offer can be found below:

Protect My Car Warranty Supreme
Term Length 4 years/100,000 miles
Monthly Payment $96 per month for 48 months
Down Payment $99
Deductible $100
Total Price $4,707
Cost per Year of Coverage $1,176.75

We also received a quote for a powertrain warranty on a 2012 Honda Civic with 88,000 miles. For the relatively basic Driveline plan, we received a quote of $79 per month for 48 months, coming out to a total of $3,925.68.

Protect My Car Warranty Driveline
Term Length 4 years/75,000 miles
Monthly Payment $79 per month for 48 months
Down Payment $134
Deductible $100
Total Price $3,926
Cost per Year of Coverage $981.42

Protect My Car is known for its long-term financing options, which make monthly rates more affordable than those from dealerships or even from other third-party providers. Payments for most extended warranty plans don’t last anywhere near 48 months, while this is relatively common with Protect My Car.

While low monthly payments spread over a long time make each month easier on the wallet, it may lead to a higher overall price tag. Luckily, Protect My Car reviews show that the company provides plenty of flexibility with warranty plan lengths.

The total cost per year of coverage from Protect My Car is relatively high. However, Protect My Car reviews show that many customers are willing to spend slightly more per month to be charged less each time. The company offers flexible payment plans lasting between 36 and 48 months, so you can expect a smaller price tag if you opt for a shorter length of payments.

You may also receive a discount if you’re a student or a military member, according to the company’s site and various Protect My Car reviews.

Protect My Car Coverage Overview

Protect My Car offers three extended car warranty plans: Supreme, Select, and Driveline. Each option covers essential powertrain components, and the more comprehensive plans back parts such as suspension systems and turbochargers as well.

Here are some more details on each of Protect My Car’s extended vehicle protection plans:

Protect My Car Coverage Plan Warranty Overview
Supreme Plan The highest level of coverage, this plan covers many of the same components that a manufacturer’s warranty for a new car typically would.
Select Plan This option protects vehicles that have more than 50,000 miles and don’t qualify for Protect My Car’s highest level of coverage.
Driveline Plan Designed for vehicles between 4 and 10 years old with more than 80,000 miles, it offers 5-year/125,000-mile warranty coverage.

All plans are transferable and have a $100 deductible, except for the Driveline option, which has a $200 deductibleWith Protect My Car’s 30-day money back guarantee, you’ll receive a full refund if you cancel your contract within 30 days. All other cancellation refunds are prorated.

Contracts are inclusionary, which means you are covered for only the specific components listed in the vehicle service contract. Inclusionary contracts tend to offer less coverage than exclusionary contracts.

Protect My Car Warranty Levels

It’s often helpful to see exactly which parts are covered by each plan. Below is an overview of which components are covered by each Protect My Car plan:

Supreme Select Driveline
Transfer Case
Drive Axle
Differential Assembly
Cooling System
Air Conditioning
Electrical Components
Timing Chain
Select Brake System Components
Navigation System Can be added on

As is standard with most vehicle service contracts, to keep coverage valid, you must have your vehicle serviced regularly according to the manufacturer’s recommendations. You must cover regular maintenance at your own expense and keep proof that such maintenance was completed for your vehicle.

Included Benefits

In addition to the coverage detailed in the chart above, all Protect My Car contracts include the following benefits:

  • 24/7 roadside assistance
  • Towing
  • Rental car reimbursement
  • Trip interruption reimbursement
  • Oil changes
  • Tire rotations
  • PMC Rewards membership

While roadside assistance is a common perk for an extended warranty, free oil changes and tire rotations are not. They are benefits worth considering since they could save you a few hundred dollars a year, depending on how often you change your oil.

PMC also offers $50 in rewards points when you sign up and continues to add rewards dollars as long as you are a member. These dollars can be used to purchase gift cards from a number of companies and restaurants, including Amazon, Panera, Walmart, and Marriott. A few Protect My Car reviews mention the PMC Rewards program as one of the warranty provider’s standout features.

Ambassador Maintenance Plans

The highest mileage limit for a vehicle service contract from Protect My Car is 10 years/125,000 miles. Coverage plans are available for new and used vehicles, but the company sells extended warranties only for vehicles less than 13 model years old. This type of restriction is common in the industry.

Protect My Car has Ambassador Maintenance Plans for older vehicles. These policies act like extended car warranties but do not cover the full cost of car repairs. Protect My Car Ambassador plans cover between 50 and 75 percent of repair costs for the following components:

  • Engine
  • Transmission
  • Transfer case
  • Drive axle
  • Differential assembly
  • Front and rear suspension
  • Cooling system
  • Air conditioning and heating
  • Electrical
  • Select brake system components
  • Timing chain
  • Turbo charger

This coverage is similar to what’s offered by the Supreme plan. Such a policy may be a great deal for some older carsresearch the maintenance costs of your vehicle to find out how much you might save.

Protect My Car Reviews and Ratings

The majority of Protect My Car reviews are generally positive. Along with an A+ rating from the BBB, the company earned 4.5 out of 5.0 stars from customer reviews on Trustpilot. Protect My Car received around 150 complaints through the BBB in the last three years, a small number for a warranty company of its size.

Every company has its upsides and downfalls, so read through the positive and negative Protect My Car reviews below to learn how the company functions.

Positive Protect My Car Reviews

Satisfied customers often leave positive Protect My Car reviews speaking highly of the company’s attentive representatives and timely service with auto repairs.

“I have not had any problems with my claims being paid. Protect My Car is very courteous and professional each time you call.”

– Clemmie H. via BBB

“No issues at all with the garage or Protect My Car. No waiting for confirmation either. [The] same day my car went to the shop, it was done.”

– Bryant via Trustpilot

Negative Protect My Car Reviews

Others have left Protect My Car reviews that state how upset they were about challenging claims processes and higher-than-expected prices.

“I have been having issues with this policy since I had it. I called to get a reimbursement, and I got representatives getting nasty with me on the phone. I am very displeased with the service I am getting.”

– Lateefah via Trustpilot

“I was lied to about my monthly cost. The gentleman told me my monthly [cost] would be $97 a month. When I got my bill or started the auto draft, it was well over $100. Looking for a new company now.”

– Tosh via Trustpilot

Many negative Protect My Car reviews speak of annoying robocalls that use the company’s name. It’s worth noting that these issues may not actually come from Protect My Car, and either way, they do not reflect the company’s quality of warranty coverage.

Protect My Car Quotes and Claims

To request a free quote from Protect My Car, you can either call or fill out a form on the company’s website. Based on Protect My Car reviews, the company can work with nearly any customer’s budget to find affordable options.

When we called, the customer sales representative was slightly pushy and tried to get us to purchase a protection plan immediately over the phone. Other customers have had better experiences with the quotes process, though. A number of Protect My Car reviews praise helpful and courteous salespeople.

Protect My Car Claims Process

Filing a claim for a covered repair with Protect My Car is relatively simple. Below are the steps necessary for you to get a repair bill covered after a vehicle defect:

  1. Take your car to a licensed repair facility.
  2. Authorize the repair shop to diagnose the vehicle.
  3. Have the repair shop contact Protect My Car’s claims department to receive approval.
  4. Pay your deductible amount.

As with most extended warranty providers, Protect My Car reviews are quite spotty when it comes to opinions on the claims process. Some drivers express extreme frustration with the company’s response time, while many others believe Protect My Car responded to their needs in a professional and efficient manner.

Protect My Car Extended Warranty: 4.5 Stars

When we reviewed the best extended car warranty companies nationwide, Protect My Car was one of our top four picks. Protect My Car offers reliable vehicle service contracts and has a strong industry standing. Based on its reputation, coverage options, price, transparency, and customer service, we rate the company 4.5 out of 5.0 stars and recognize it for having the Best Financing.

While the long-term cost of a Protect My Car extended warranty can be higher than competitors’ pricing, we believe the company offers great coverage, peace of mind, and reasonable long-term financing options. This opinion is based on many outstanding Protect My Car reviews. For customers with smaller monthly budgets, the company may be more affordable in the short-term.

Protect My Car is our number one pick for Best Financing.

Top Recommendations for Extended Car Warranties

It’s always smart to compare quotes from providers when considering an extended car warranty. Prices will be different for every customer, so you’ll need to review costs based on your exact vehicle. Here are two of our other top choices for extended auto warranty protection.

Endurance: Best Coverage

Endurance has a Trustpilot score of 4.4 out of 5.0 stars based on more than 3,300 Endurance warranty reviews. We believe Endurance is a dependable extended warranty company and provides some of the best coverage in the industry. Endurance offers six levels of coverage that range from basic powertrain coverage to comprehensive exclusionary coverage. The company also has plans that include routine maintenance.

Most Endurance extended warranty plans come with one free year of Endurance Elite Benefits, which include:

  • Total loss protection (up to $1,000 toward a replacement vehicle)
  • 24/7 roadside assistance
  • Key fob replacement ($500 maximum)
  • Tire repairs/replacements ($125 each for two tires per year)
  • Collision discount (up to $500 per covered collision; $1,000 limit)

Endurance vehicle protection plans are available in every state except California.

Endurance is our pick for Best Coverage, with its comprehensive plan options.

CARCHEX: Best Service

CARCHEX has been selling extended auto warranty contracts for over 20 years. The company is accredited by the BBB, where it holds an A+ rating. The company has received less than 130 BBB customer complaints in the last three years, an extremely low number considering the number of contracts CARCHEX sells.

We believe CARCHEX offers superior customer service. The CARCHEX quotes process takes less than 10 minutes, and you can contact the company through an instant message tool on its website. Overall, CARCHEX is a great choice for an extended auto warranty and a reputable way to save on repair costs.

It might be smart to look at our Protect My Car vs. CARCHEX review if you’re still trying to discover the industry’s best extended warranty.

Our research found this provider to have the Best Service.

Q & A

Here are some frequently asked questions about Protect My Car reviews.
Is Protect My Car legit?
Yes, Protect My Car is a reputable extended warranty provider and has high customer ratings on Trustpilot and the BBB's website. The company provides real repair cost coverage for vehicles no longer under a manufacturer's warranty, and you can pay as little as $100 for needed repairs.
Is a Protect My Car warranty worth it?
Protect My Car has a variety of vehicle service plans, coverage options, and perks that help customers get the protection they need against costly repairs. The company has high star ratings and many positive reviews, so we believe Protect My Car is generally worth it.
How does Protect My Car work?
If you have a mechanical breakdown, you can take your vehicle to a repair shop and file a claim, and Protect My Car will cover the repair bill. Some plans are exclusionary, so make sure you understand what's covered and what's not. In the end, you should only be responsible for your deductible and the monthly payments for your Protect My Car contract.
Does Protect My Car cover tires?
Assistance with flat tires is only covered under a Protect My Car Ambassador Maintenance Plan. With an Ambassador policy, you can also enjoy benefits such as lockout services, rental car reimbursement, and discounts for repairs.
Where do I find out how to cancel Protect My Car?
A Protect My Car warranty plan can be canceled by first contacting the company by phone and then filling out a cancel request form.
What is the Protect My Car customer service number?
The Protect My Car customer service number is 1-844-556-4762. If you're looking for roadside assistance, call 1-888-676-4762.