Allstate vs ASC Warranty

Allstate vs. ASC Warranty

When it comes to extended auto warranties, Allstate and ASC Warranty are two notable names offering vehicle owners peace of mind and financial protection. While both companies provide tiered coverage and added perks, they take different approaches to pricing, benefits, and service access.

Coverage plans and options

Both Allstate and ASC Warranty offer tiered vehicle service contracts tailored to different customer needs. Their plans range from basic powertrain coverage to exclusionary contracts that closely resemble manufacturer warranties. Each provider covers core systems such as the engine, transmission, and drive axles, along with components like brakes, electrical systems, and air conditioning. They also include standard perks like rental car reimbursement, trip interruption protection, and 24/7 roadside assistance in their plans. Whether you’re buying new or used, both companies strive to provide relevant coverage tiers based on vehicle age, mileage, and ownership status.

The main differences emerge in how these plans are structured and accessed. ASC Warranty’s four plans—Drivetrain Plus, Platinum Drivetrain, Deluxe, and Factory-Type Coverage—are sold exclusively through dealerships and cover vehicles up to 120,000 miles. Their Factory-Type plan is exclusionary, covering nearly all components apart from routine maintenance and wear items. In contrast, Allstate offers up to five plans, including their Wrap Premier Care that supplements a manufacturer powertrain warranty. Allstate’s plans may cover vehicles up to 125,000 miles and are available both directly and via dealerships, making access more flexible. Moreover, Allstate allows customers to customize their coverage by choosing component categories, something ASC doesn’t currently offer.

Pricing

Both companies rely on quote-based systems where plan costs vary depending on the vehicle’s make, model, age, and mileage. They offer money-back guarantees and flexible payment terms, ensuring you don’t have to commit to long-term financial obligations without options for cancellation. These quote-based approaches aim to personalize pricing, but they also make side-by-side comparisons more time-consuming for the customer.

That said, ASC’s $0 deductible on all plans is a major cost-saving advantage—especially in situations where high repair bills could otherwise lead to hefty out-of-pocket payments. On the flip side, Allstate’s deductibles start as low as $50, and they offer optional packages for added protection (like tire and wheel coverage) that can be tailored to your budget.

Benefits

In terms of benefits, both providers ensure customers aren’t left stranded with essential services like towing, lock-out assistance, and fuel delivery. Each provider also allows for plan cancellations and contract transfers, which is valuable if you plan to sell your vehicle. The ability to choose your repair shop—another shared feature—means users aren’t forced into inconvenient or unfamiliar service locations.

Where ASC Warranty shines is in simplicity and user support. They offer a no-deductible policy, a straightforward claims process with payments made directly to repair shops, and a live chat feature that provides fast access to their customer service team. Their customer portal also allows for quick contract management online. Allstate, on the other hand, offers a broader ecosystem of auto protection products, such as GAP coverage, dent and windshield repair, and paint and fabric defense. 

Potential drawbacks

Allstate’s vehicle protection plans have some notable drawbacks. The most significant is their limited coverage availability in certain states—specifically California and Massachusetts—where customers cannot purchase extended warranties. Their mileage limits are also relatively low, capping at 125,000 miles. Moreover, the lack of transparency online is frustrating for prospective buyers. Plan specifics, sample contracts, and clear pricing are not publicly available, requiring consumers to engage directly with a representative or dealership for details. Some customers have also reported slow claims service and difficulties with repair coverage.

On the other hand, ASC Warranty’s Coverage is capped at 120,000 miles, making them less suitable for owners of high-mileage vehicles. Plans are only available through dealerships, meaning you can’t purchase or manage coverage entirely online. Their website also lacks detailed plan information, including sample contracts and a quote engine. This lack of transparency may lead to uncertainty and reliance on dealership staff for explanations. Some users have also voiced frustration with delayed cancellations and the fact that refunds are processed through dealerships, which can complicate matters if the dealership is uncooperative or closes down.

Conclusion

Both Allstate and ASC Warranty offer reliable extended auto warranty options, but they cater to different needs. Allstate provides more flexibility through direct and dealership access, customizable plans, and a wider range of auto protection products, though its coverage limitations in some states and lack of online transparency may be drawbacks. ASC Warranty, while more straightforward with its no-deductible plans and easy claims process, limits availability to dealerships and caps coverage at lower mileage.