Auto Warranty
Top Companies in 2026
Olive vs Protect My Car
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- No vehicle inspection required to enroll
- Rates locked in for three years
- Month-to-month payments with no long-term commitment
- Cancel anytime with no cancellation fee
- Any ASE-certified repair shop in the US and Canada
- Deductible charged per visit, not per component
- A+ BBB accredited
- Available in all 50 states plus Canada
- Any ASE-certified repair shop in the US and Canada
- 24/7 roadside assistance
- Includes student and military discounts
- Trip interruption reimbursement
- Transferable coverage
- Strict eligibility limits (under 10 years old and 140,000 miles)
- Coverage capped at three years per term
- No exclusionary plan
- Broker model; cannot override QBE claim decisions
- No mobile app for policy or claims management
- Commercial and rideshare use excluded entirely
- 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
Olive is a digital-first vehicle service contract brand launched in 2020 by Repair Ventures LLC, a company with a longer history in the vehicle protection space. Unlike many providers that require phone-based quotes and sales conversations, Olive lets customers get instant pricing, purchase coverage, manage their policy, and cancel online. Plans are sold month to month, rates are locked for three years, and coverage begins the day after purchase with no vehicle inspection required. Olive operates as a broker, with claims administered and paid by QBE Administration Services. They offer three stated-component plans: Powertrain, Powertrain Plus, and Complete Care. Coverage is available for eligible vehicles up to 10 years old and under 140,000 miles at purchase, with repairs accepted at any ASE-certified facility in the US or Canada. Benefits include towing reimbursement, rental car reimbursement, direct repair shop payment, free transfers, and a 60-day money-back guarantee. Olive is BBB-accredited with an A+ rating and receives strong feedback for their transparent purchase experience, though some customers report claim denials tied to pre-existing conditions, prior authorization rules, and the limits of Olive’s broker role.
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+ (accredited)
- Maximum Mileage : 140,000 miles at purchase; coverage continues to 185,000 miles
- Money-Back Guarantee : Available (60 days)
- Number of Plans Available : 3
- Waiting Period : N/A (coverage begins day after purchase)
- Operating Status : Active
- Deductible Range : $100, $250, or $500 (per repair visit)
- 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
- No waiting period with day-after coverage
- 100% digital experience from quote to claim
- 60-day money-back guarantee
- Free contract transfer with no transfer fee
- MBI in California with insurance-level regulatory oversight
- No robocall commitment
- 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—Undisclosed
- 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—Undisclosed
- 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—Undisclosed
- 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
Olive vs Protect My Car
If you're in the market for an auto warranty, you've likely come across Olive and Protect My Car. They are two well-established companies in this industry, with Olive being established in 2000 and Protect My Car in 2005. Keep reading for a comparison of their features, costs, subscription tiers, and other factors that might help you make a decision between them.
Olive takes the lead in terms of coverage, offering nationwide protection, whereas Protect My Car has a more limited coverage area. Both companies offer three levels of coverage at competitive rates.
Both Olive and Protect My Car offer three coverage options with comprehensive and basic coverage, ensuring that you have a wide range of choices to protect your vehicle. Both plans offer benefits like 24/7 roadside assistance, rental car reimbursement, and towing reimbursement. One of the biggest differences between them is that Protect My Car offers some maintenance coverage, while Olive does not.
Protect My Car doesn't advertise their prices or mileage limits. However, they do mention discounts for students and military personnel, which could make their offerings more affordable for specific customers. Olive, starting at an average of $30 per month with no waiting period, seems to be more transparent in terms of pricing. Neither company requires a vehicle inspection on the day of purchase.
When it comes to the finer details, there are disparities in parts covered and reimbursement amounts. Olive doesn't include roadside assistance across all plans, unlike Protect My Car, with which you are limited to two service calls per year. Both Protect My Car’s and Olive's contracts are transferable to a new owner. Olive also stands out by offering coverage up to 185,000 miles, while Protect My Car doesn’t communicate their coverage limits.
When it comes to their online and payment services, Olive has a user-friendly website that makes it easy to navigate their services and obtain an online quote. They even offer a live chat option for instant assistance. In contrast, Protect My Car's plans are sometimes unclear, and their quote process isn't as efficient or entirely online.
Both companies, however, offer flexible payment options. Protect My Car allows customers to pay monthly installments for up to 48 months, while Olive provides various deductible options to choose from. Online payment is available with both providers.
When it comes to their online reputation, Olive boasts an A+ rating from the BBB, reflecting positive customer experiences. Protect My Car, however, holds a C rating, suggesting a mixed bag of feedback.
When deciding between Olive and Protect My Car for your car warranty needs, keep a few factors in mind. Both companies offer valuable services and have satisfied customers. Olive shines with its reputation for exceptional service, giving them a competitive edge. If you seek comprehensive coverage backed by experience, Olive could be the way to go. On the flip side, Protect My Car's lower prices and flexible payment options might attract those on a tighter budget.
Ultimately, the choice boils down to your individual needs and priorities. Whether you opt for Olive's reliability or Protect My Car's affordability, both options aim to provide you with peace of mind on the road ahead.
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