Endurance vs Premier Auto Protect

Endurance vs. Premier Auto Protect

When searching for an extended auto warranty, Endurance and Premier Auto Protect both offer solid coverage to protect drivers from unexpected repair costs. While they share similarities in plan offerings and customer benefits, key differences in pricing, coverage terms, and standout features set them apart. Understanding these distinctions can help determine which provider best fits your needs.

Coverage plans and options

Endurance offers five warranty plans covering essential components, from basic powertrain protection to comprehensive exclusionary coverage that mirrors manufacturer warranties. Their unique Supreme Wrap plan complements existing warranties, making it an attractive option for newer vehicles. Endurance also provides add-ons for hybrid, high-tech, and commercial vehicles. Premier Auto Protect, in contrast, offers four plans, ranging from basic to exclusionary coverage. While their Exclusionary plan provides near-total protection, Premier Auto Protect stands out by offering warranties for motorcycles, ATVs, UTVs, scooters, and personal watercraft, expanding its reach beyond traditional vehicle coverage.

Pricing

Neither company publicly advertises exact pricing, as costs vary based on vehicle details. Endurance typically charges between $70 and $125 per month, with personalized quotes available. Their zero-interest payment plans extend up to 24 months, and they offer discounts for military personnel, government employees, and first-time customers. Premier Auto Protect also follows a personalized pricing model but provides special rates for AAA, AARP, PenFed, USAA, and VA system members. Unlike Endurance, Premier allows customers to choose deductible or no-deductible plans, though details require direct inquiries.

Standout benefits

Both companies provide useful benefits, including 24/7 roadside assistance, rental car reimbursement, and trip interruption coverage. Endurance customers receive a free year of their Elite Membership, which includes perks like tire repair, key fob replacement, and total loss protection. As a direct provider, Endurance handles claims in-house, streamlining the process.

Premier Auto Protect differentiates itself by offering direct claim payments to repair shops, eliminating the need for reimbursement. Their rental car coverage extends up to four days, and their warranties apply in both the U.S. and Canada, making them a convenient choice for cross-border travelers.

Potential drawbacks

Despite their advantages, both companies have drawbacks. Endurance tends to be more expensive than some competitors, and while they manage claims directly, customers have reported occasional delays in approvals. Their cancellation policy allows full refunds within 30 days, but prorated refunds after that may include administrative fees. Premier Auto Protect has limited transferability, only allowing one ownership transfer, and enforces a strict 30-day and 1,000-mile waiting period before coverage begins. They also lack transparency in pricing and plan eligibility, requiring potential customers to request quotes for detailed information.

Conclusion

Endurance is a strong choice for drivers looking for long-term, customizable plans with broad coverage and direct claims handling. Their no-mileage-limit policies and high-tech add-ons make them ideal for owners of newer or hybrid vehicles.

Premier Auto Protect, however, offers a compelling alternative for those seeking flexible pricing, direct payments to repair shops, and coverage for power sports vehicles. Ultimately, the better option depends on your vehicle type, budget, and preference for claim processing convenience.

Get Your Free Auto Warranty Quote Now!