Auto Warranty
Top Companies in 2026
Endurance vs Protect My Car
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- Direct provider with in-house claims handling
- Unlimited mileage on most plans
- Free first year of Elite Benefits
- Online quotes without a phone call
- Transferable coverage
- Accepts salvage and rebuilt titles
- Interest-free payment plans available
- 24/7 roadside assistance
- Includes student and military discounts
- Trip interruption reimbursement
- Transferable coverage
- May deny claims based on maintenance record requirements
- 30-day/1,000-mile waiting period before coverage begins
- Aftermarket or used parts may replace OEM
- No weekend customer service hours
- Not available as direct-to-consumer in Massachusetts
- EV and hybrid batteries explicitly excluded
- 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 2006 and headquartered in Northbrook, Illinois, Endurance Warranty Services has grown into one of the largest independent direct providers of vehicle service contracts in the United States. Unlike brokers that resell plans from third-party administrators, Endurance underwrites and administers most of its own contracts, meaning there's no middleman between you and the company handling your claim. The company offers six distinct coverage tiers, ranging from basic powertrain protection to exclusionary near-factory coverage, plus a unique Advantage plan that bundles up to $3,500 in annual maintenance benefits. Endurance is one of the few providers offering unlimited mileage on most plans and accepts vehicles up to 20 years old, making them a rare option for high-mileage drivers and owners of older cars. They offer MBI coverage to California residents instead of traditional service contracts. All plans include perks like 24/7 roadside assistance, rental car reimbursement, and trip interruption coverage, as well as a free first year of Elite Benefits. Customer feedback is mixed, but Endurance holds an A rating from the BBB and is accredited.
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 : A
- Maximum Mileage : Unlimited
- Money-Back Guarantee : Available (30 days)
- Number of Plans Available : 6
- Waiting Period : 30 days / 1,000 miles
- Operating Status : Active
- Deductible Range : $0–$200
- 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
- Risk-Free 30-Day Money-Back Guarantee
- Your Choice of Any ASE-Certified Mechanic or Dealership
- 1 Year of Free Elite Benefits
- Coverage for Vehicles Up to 20 Years / 200K Miles
- 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—Undisclosed
- 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
Endurance vs. Protect My Car
Choosing an extended auto warranty provider is a crucial decision for drivers looking to protect their vehicles and finances. Both Endurance and Protect My Car (PMC) are prominent providers in this space, offering unique features and services. This comparison examines their coverage plans, pricing, benefits, and drawbacks to help you decide which provider aligns with your needs.
Coverage plans and options
Both Endurance and Protect My Car offer multiple levels of coverage designed to cater to a wide range of vehicles and budgets.
Endurance provides five main coverage tiers, including exclusionary plans like their Supreme Plan, which mimics a manufacturer’s warranty. They also offer unique options such as the Supreme Wrap Plan for powertrain protection and add-ons for high-tech components, hybrid systems, and commercial vehicles. Endurance covers cars up to 20 years old with no mileage limits, making them a strong option for drivers of older vehicles.
Protect My Car offers three rebranded plans: the Essential, Deluxe, and Ultimate Plans. These plans cater to vehicles up to 20 years old and provide a mix of powertrain, mid-level, and comprehensive coverage. PMC stands out with maintenance coverage on certain plans, including free oil changes and tire rotations.
While Endurance emphasizes comprehensive and customizable coverage, PMC integrates routine maintenance into their offerings, providing added value for budget-conscious customers.
Pricing
Pricing structures differ significantly between the two providers. Endurance bases its pricing on individual vehicle specifications and coverage options. Monthly costs typically range between $70 and $125, with various discounts for military personnel, government employees, and first-time callers. Customers must request a personalized quote for exact pricing.
Protect My Car offers more transparent and often lower pricing, with down payments ranging from $59.99 to $99. Total costs are generally between $1,800 and $3,000. They also provide flexible payment options and zero-deductible plans for added affordability.
Endurance may be better suited for customers seeking high-end, tailored coverage, while PMC appeals to those prioritizing cost-effectiveness.
Standout benefits
Both providers offer several notable benefits:
Endurance stands out as a direct provider, managing claims in-house for a seamless customer experience. Additional perks include trip interruption reimbursement, a free year of Endurance Elite benefits (such as key fob replacement and tire repair), and optional coverage for hybrid or commercial vehicles.
Protect My Car excels in maintenance-focused benefits, offering free oil changes, tire rotations, and monthly PMC Rewards for discounts on brands and services. Their coverage for commercially used vehicles is also a unique advantage.
Potential drawbacks
Endurance is relatively expensive, and their plans may not be as competitive for budget-conscious drivers. Some customers report challenges with claims processing.
Protect My Car restricts coverage in certain states (e.g., California and Washington) and limits roadside assistance calls to two per year. They’ve faced criticism for recent operational changes and occasional customer service delays.
Conclusion
Endurance is ideal for drivers seeking comprehensive, customizable coverage with added perks like in-house claims handling and trip interruption reimbursement. Meanwhile, Protect My Car appeals to cost-conscious drivers who value maintenance benefits and flexible payment options.
Comparing quotes and reviewing the fine print for both providers is essential to finding the best match for your vehicle and budget.
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