Auto Warranty
Top Companies in 2026
AUL Corp vs Protect My Car
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- One of the widest plan selections of any dealership provider
- No waiting period on most plans
- Wear and tear coverage, included on select plans
- Disappearing deductible feature on select plans
- Financing available at point of sale through vehicle loan
- Wrap coverage available for vehicles still under factory powertrain warranty
- Comprehensive ancillary product suite available
- Transferable to new owner on most plans
- Coverage at any licensed repair facility in the US or Canada
- 24/7 roadside assistance
- Includes student and military discounts
- Trip interruption reimbursement
- Transferable coverage
- Sold exclusively through dealerships
- Dealer markup means no standardized or transparent consumer pricing
- Prior authorization required before any repair begins; no paid costs reimbursed
- Stringent cancellation requirements
- Not available in New York
- Maintenance record requirements strictly enforced
- C+ BBB rating for Protective Asset Protection with active consumer alert
- 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
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.
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.
- BBB Rating : C+ (not accredited)
- Maximum Mileage : 150,000 miles; ‘Any Year Any Mileage’ on select entry-level plans
- Money-Back Guarantee : Undisclosed
- Number of Plans Available : 10+ named products across new and pre-owned vehicle categories
- Waiting Period : N/A
- Operating Status : Active
- Deductible Range : $0–$250
- 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
- "Any Year Any Mileage" eligibility on select plans
- Absolute Lifetime Protection and unlimited time term options available
- Coverage for hybrid drive battery, electric drive battery, and high-voltage battery
- Advanced driver assistance systems and tech component coverage
- Same-day claims payment on approved repairs (most within two hours)
- eClaims portal allows repair shops to submit claims online 24/7
- 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
- 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—Undisclosed
- EV/hybrid components
- No waiting period—Undisclosed
- Option with free maintenance benefits
- 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
- 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
- Phone
- 24/7 customer support
- FAQs / Educational resources
- Live Chat—Undisclosed
- Mobile Application—Undisclosed
- Online quote without phone—Undisclosed
- Sample contracts online
- 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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