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ASC Warranty vs Protect My Car

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Pros
  • Nearly four decades of experience in the vehicle service contract industry
  • Nationwide access to participating dealerships and ASE-certified repair shops
  • Roadside assistance and travel-related benefits are included with many plans
  • Transferable contracts that may help preserve resale value
Pros
  • 24/7 roadside assistance
  • Includes student and military discounts
  • Trip interruption reimbursement
  • Transferable coverage
Cons
  • Coverage terms and financing options can vary by dealership
  • Some customer complaints involve payout limits and coverage disputes
  • Additional costs, such as diagnostics, fluids, and taxes, may remain the customer's responsibility
Cons
  • Roadside assistance limited to 2 service calls per year
  • Not transparent about their prices
  • Doesn't cover California and Washington
  • Free quotes are not fully online, may pressure customers into buying
Summary

ASC Warranty is a vehicle service contract provider founded in 1986 and headquartered in Mountain Home, Arkansas. They primarily distribute coverage through dealerships across the United States and offer several protection levels, ranging from basic drivetrain plans to exclusionary coverage designed to resemble a factory warranty. Their contracts are backed by an A-rated insurance carrier and often include additional benefits such as 24/7 roadside assistance, rental car reimbursement, and trip interruption coverage. One feature that distinguishes the provider is their combination of long industry experience and flexible repair options, allowing customers to use participating dealerships and ASE-certified repair facilities nationwide. Coverage can also be transferred to a subsequent owner under certain conditions, which may add value when selling a vehicle. ASC Warranty is accredited by the Better Business Bureau and holds an A+ rating. Customer feedback on Google Reviews and the BBB is generally favorable, with many reviewers praising the claims process and customer service team. At the same time, some complaints focus on coverage limitations and out-of-pocket expenses. Those factors, along with the company's contract options and pricing structure, are explored in greater detail throughout this review.

Summary

Protect My Car is a well-known company in Saint Petersburg, Florida, that has been around since 2005 and offers many services to keep your car safe and in good shape. They offer longer guarantees on cars that have up to 20 years left on them. Protect My Car stands out from others in the same field because they offer extra benefits and a wide range of coverage choices. They're proud to offer their services directly to you; they call it "The PMC Way."

Since March 2023, when it was said that PMC had fired 75 workers because of "unexpected business circumstances," there have been some worrying stories about the company. There are also hints that they will be firing more workers. So, it wasn't clear if this service provider was out of business or would be soon.
 

Quick Stats
  • BBB Rating : A+
  • Maximum Mileage : 120,000
  • Money-Back Guarantee : Available
  • Number of Plans Available : 4
  • Operating Status : Active
  • Deductible Range : $0–$200 (varies by contract)
Quick Stats
  • BBB Rating : C
  • Maximum Mileage : 200,000
  • Money-Back Guarantee : 30-day money-back guarantee
  • Number of Plans Available : 3
  • Waiting Period : N/A
  • Operating Status : Active
Selling Points
  • Factory Type Coverage plan uses an exclusionary format similar to a manufacturer's warranty
  • Contracts are backed by an A-rated insurance carrier for added financial security
  • Long-standing BBB accreditation dating back to 1987
  • Coverage is available through a large network of dealerships across the United States
Selling Points
  • Maintenance benefits available in each of their plans
  • Available for some commercial vehicles
  • Monthly PMC rewards
  • Covers vehicles up to 20 years old with high mileage of up to 250,000
Coverage & Plan Flexibility
  • High-mileage
  • Exclusionary
  • Powertrain
  • $0 deductible option
  • Commercial/rideshare
  • EV/hybrid components
  • No waiting period
  • Option with free maintenance benefits
  • Transferable
Coverage & Plan Flexibility
  • High-mileage
  • Exclusionary
  • Powertrain
  • Undisclosed
    $0 deductible option
  • Undisclosed
    Commercial/rideshare
  • EV/hybrid components
  • Undisclosed
    No waiting period
  • Option with free maintenance benefits
  • Undisclosed
    Transferable
Claims & Repair Experience
  • 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
Claims & Repair Experience
  • Undisclosed
    24/7 roadside assistance
  • Undisclosed
    Any licensed repair shop
  • Direct shop payment
  • In-network repair network
  • Undisclosed
    Mobile app for claims
  • Undisclosed
    Online claims portal
  • Trip interruption coverage
Customer Support & Transparency
  • Phone
  • 24/7 customer support
  • Email
  • FAQs / Educational resources
  • Live Chat
  • Mobile Application
  • Online quote without phone
  • Sample contracts online
Customer Support & Transparency
  • Phone
  • 24/7 customer support
  • Email
  • FAQs / Educational resources
  • Undisclosed
    Live Chat
  • Undisclosed
    Mobile Application
  • Undisclosed
    Online quote without phone
  • Sample contracts online
Contract & Payment Terms
  • Contract (lump-sum) payments
  • Pay-in-full discount
  • Month-to-month payments
  • Undisclosed
    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 & Payment Terms
  • Undisclosed
    Contract (lump-sum) payments
  • Pay-in-full discount
  • Month-to-month payments
  • Undisclosed
    Cancellation fee
  • Undisclosed
    Multi-vehicle discount
  • Price lock guarantee
  • *Not all payment methods are available in all states
  • *Some payment methods may incur additional fees
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