AUL Corp vs Concord Auto Protect

Founded in 1990, AUL built their reputation as a dealership-based vehicle service contract provider before being acquired by Protective Life Insurance Company in 2022. Today, AUL-branded contracts are administered through Protective Asset Protection and remain available exclusively through franchised and independent dealerships. This means consumers cannot buy plans directly online, and pricing depends on the selling dealer, vehicle, coverage tier, deductible, and any dealership markup. AUL’s biggest strength is the breadth of their coverage lineup. Their catalog includes powertrain, stated-component, wrap, exclusionary, lifetime, hybrid, and EV, and technology-focused plans. Some products also offer Any Year Any Mileage eligibility, while most plans begin on the day of purchase with no standard waiting period. Benefits may include roadside assistance, rental reimbursement, trip interruption coverage, transferable contracts, online claims submission, and same-day claims payment on approved repairs. However, customer feedback is mixed, with concerns around claim denials, inspection delays, rental reimbursement limits, cancellation complexity, and pricing transparency. AUL may appeal to dealership buyers who want broad coverage options, but reviewing the contract carefully before signing is essential.

Concord Auto Protect has been in business since 2013. They offer a wide range of coverage options, including mechanical, electrical, and roadside assistance. Their affordable plans are available for all makes and models of vehicles.