Auto Warranty
Top Companies in 2026
AAA Vehicle Protection vs SilverRock
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- Month-to-month subscription with no long-term commitment
- Coverage begins from day one on subscription plans
- Some plans covers hybrid and EV components
- Direct payment to repair facility
- Transferable to new owner (fee applies)
- Interest-free financing up to 24 months (select clubs)
- 7-day trial period, or longer, with full refund on subscription plans
- Repairs available outside of business hours
- Rental car reimbursement
- Transferable coverage
- Available nationwide
- Trip interruption reimbursement
- Convenient in-network vendor allocation engine
- Not available through most regional clubs
- AAA membership required to purchase (additional annual cost)
- Coverage terms, pricing, and eligibility vary significantly by club
- No dedicated warranty management app or digital portal
- Third-party administrators handle claims, not AAA directly
- Cancellation requests take up to 30 days to process, with fee
- Warranty-specific customer reviews are scarce and mixed
- Lack of plan options
- Limited coverage conditions
- Inflexible deductible choices
- No roadside assistance
- Non-transparent
Founded in 1902, American Automobile Association (AAA) is one of the most established automotive service organizations in the United States, serving millions of members through a network of regional motor clubs. Their Vehicle Protection plans are extended service contracts available exclusively to AAA members, designed to provide coverage after the original manufacturer’s warranty ends. Unlike national direct providers, AAA operates through independent regional clubs, meaning coverage options, pricing, and availability can vary significantly depending on location. Plans are typically structured into multiple tiers, from basic powertrain protection to exclusionary coverage that mirrors a factory warranty. A key differentiator is the option for a month-to-month subscription with no waiting period, alongside traditional term contracts. AAA also offers a diminishing deductible benefit, reducing costs at approved repair facilities and eliminating them entirely at some club-owned locations. Coverage is administered by third-party administrators and may include benefits such as rental reimbursement, trip interruption coverage, and optional rideshare protection. While AAA’s long-standing reputation adds credibility, customer experience can vary by region, making it important for buyers to evaluate their local club before purchasing.
SilverRock is not your typical auto warranty company; they're on a mission to transform the warranty industry. With a focus on redefining warranty services, SilverRock brings innovation to the forefront. From its cutting-edge vendor allocation engine to comprehensive theft protection and nationwide coverage, SilverRock is committed to revolutionizing the customer experience in the auto warranty sector.
- BBB Rating : Varies by club; no specific pages for auto warranty services
- Maximum Mileage : 175,000 miles
- Money-Back Guarantee : Available
- Number of Plans Available : 4
- Waiting Period : None (subscription); 30 days / 1,000 miles (term contract)
- Operating Status : Active
- Deductible Range : $0–$250 (facility-dependent)
- BBB Rating : B
- Maximum Mileage : 50,000
- Money-Back Guarantee : Available
- Number of Plans Available : 2
- Waiting Period : None
- Operating Status : Active
- Deductible reduced to $50 at any AAA-approved repair facilities
- Deductible waived entirely at AAA club-owned repair shops
- Optional rideshare coverage for Uber and Lyft drivers
- Backed by a brand with over 120 years of automotive service history
- Emergency self-approval up to $500 when claims office is closed
- They offer mobile mechanics through an interactive map
- Works as a grace period for new vehicles protected by Carvana warranty
- In case of a theft, you can track your car through the LO Jack app; in case the car isn't found, they'll give you $5000
- High-mileage
- Exclusionary
- Powertrain
- $0 deductible option
- Commercial/rideshare
- EV/hybrid components
- No waiting period
- Option with free maintenance benefits
- Transferable
- High-mileage
- Exclusionary
- Powertrain
- $0 deductible option—Undisclosed
- Commercial/rideshare
- EV/hybrid components
- No waiting period—Undisclosed
- Option with free maintenance benefits—Undisclosed
- Transferable—Undisclosed
- 24/7 roadside assistance
- Any licensed repair shop
- Direct shop payment
- In-network repair network
- Mobile app for claims
- Online claims portal
- Trip interruption coverage
- 24/7 roadside assistance—Undisclosed
- Any licensed repair shop—Undisclosed
- Direct shop payment
- In-network repair network—Undisclosed
- Mobile app for claims—Undisclosed
- Online claims portal—Undisclosed
- Trip interruption coverage
- Phone
- 24/7 customer support
- FAQs / Educational resources
- Live Chat
- Mobile Application
- Online quote without phone
- Sample contracts online—Undisclosed
- Phone
- 24/7 customer support—Undisclosed
- FAQs / Educational resources
- Live Chat—Undisclosed
- Mobile Application—Undisclosed
- Online quote without phone—Undisclosed
- Sample contracts online—Undisclosed
- Contract (lump-sum) payments
- Pay-in-full discount
- Month-to-month payments
- Cancellation fee
- Multi-vehicle discount
- Price lock guarantee
- *Not all payment methods are available in all states
- *Some payment methods may incur additional fees
- Contract (lump-sum) payments—Undisclosed
- Pay-in-full discount
- Month-to-month payments
- Cancellation fee—Undisclosed
- Multi-vehicle discount—Undisclosed
- Price lock guarantee
- *Not all payment methods are available in all states
- *Some payment methods may incur additional fees
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