Auto Warranty
Top Companies in 2025
Preferred Warranties Inc vs Premier Auto Protect
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- Nationwide coverage
- Offers powersport coverage
- Online claim process
- Transferable coverage
- Cancellation option
- Rental car reimbursement
- Nationwide coverage
- Around-the-clock roadside assistance
- Can only be bought at the time of vehicle purchase
- No online quote
- Not all the plans include benefits
- Limited information
- Not a direct provider
- Lack of transparency
- Limited transferability options
Preferred Waranties Inc. was started in 1992 in Pennsylvania as a car shop. Later, they grew into selling guarantees for cars. They've been in business for a long time and offer a full range of care contracts for used cars, bikes, and ATVs to people all over the United States. Their plans range from whole car to engine, and some come with extras like roadside help 24 hours a day, 7 days a week. They sell their plans through a wide network of authorized sellers nationwide. Instead of third-party managers, ASE-certified claim adjusters are in charge of the fixes. Some customers commented on having had trouble with their claims being denied multiple times, confusing the process and delaying repairs and payments. Contacting customer service was tricky for some, and certain vehicle parts weren't covered. Some customers also didn't like the repair shops in PWI's network.
Premier Auto Protect, established in 2016, is a prominent extended warranty provider based in New York. Offering four coverage plans: Premier Basic, Premier Value, Premier Complete, and Exclusionary, their services are extended nationwide and include benefits such as roadside assistance and rental car coverage. Premier Auto Protect stands out in the extended warranty market with key features that enhance customer satisfaction. The transferability of their auto warranties offers flexibility, allowing a single transfer during the coverage period. Notably, the 30-day cancellation option allows customers to assess and decide on their coverage satisfaction.
Additionally, they simplify the claims process by facilitating direct payments to repair shops, ensuring a streamlined and convenient reimbursement process. While these aspects highlight Premier Auto Protect's strengths, addressing transparency concerns and evaluating the waiting period are essential considerations for potential customers seeking extended vehicle protection. Premier Auto Protect demonstrates responsiveness to customer complaints, aiming for issue resolution. The company holds an A rating with the Better Business Bureau, emphasizing their desire to provide the best possible service to their customers. With transferability and comprehensive coverage strengths, Premier Auto Protect is a reliable choice for extended vehicle protection.
- BBB Rating : A+
- Cancelation Option : Available
- Maintenance Coverage : Undisclosed
- Money-Back Guarantee : Undisclosed
- Number of Plans Available : 7
- Repair Shop Choice : Yes, any licensed repair shop in the US or Canada
- Term Limits : Undisclosed
- Waiting Period : Undisclosed
- Operating Status : Active
- Business Started : 1992
- Online Quote : False
- BBB Rating : A
- Cancelation Option : Available
- Maintenance Coverage : False
- Money-Back Guarantee : Available
- Number of Plans Available : 4
- Repair Shop Choice : True
- Term Limits : Undisclosed
- Waiting Period : 30 days and 1,000 miles
- Operating Status : Active
- Business Started : 2016
- Online Quote : True
- Covers a variety of vehicles
- You can use any repair shop of choice
- Coverage begins immediately
- Cancellation option
- Transferable coverage
- 24/7 roadside assistance
- Nationwide coverage
- Direct payment
- Phone
- FAQs
- Help Guides
- Live Chat—Undisclosed
- Mobile Application—Undisclosed
- Ticket—Undisclosed
- Phone
- FAQs
- Help Guides
- Live Chat
- Mobile Application
- Ticket—Undisclosed
- Major Credit Cards
- Major Debit Cards
- Cash—Undisclosed
- Check
- ACH Transactions
- PayPal
- Apple Pay—Undisclosed
- Google Pay—Undisclosed
- Money Order
- Wire Transfer
- *Not all payment methods are available in all states
- *Some payment methods may incur additional fees
- Major Credit Cards—Undisclosed
- Major Debit Cards—Undisclosed
- Cash—Undisclosed
- Check—Undisclosed
- ACH Transactions—Undisclosed
- PayPal—Undisclosed
- Apple Pay—Undisclosed
- Google Pay—Undisclosed
- Money Order—Undisclosed
- Wire Transfer—Undisclosed
Preferred Warranties Inc. vs. Premier Auto Protect
When considering an extended auto warranty for your vehicle, both Preferred Warranties Inc. (PWI) and Premier Auto Protect offer coverage to protect against unexpected repair costs. However, their coverage plans, pricing structures, standout benefits, and potential drawbacks differ significantly. This comparison examines these factors to help you determine which provider might be a better fit for your vehicle.
Coverage plans and options
Both Preferred Warranties Inc. and Premier Auto Protect provide multiple coverage plans tailored to different vehicle needs. PWI offers six car warranty plans along with a dedicated plan for motorcycles and ATVs, covering essential components like the engine, transmission, electrical system, and suspension. Their Premier plan is an exclusionary coverage option, similar to manufacturer warranties.
Premier Auto Protect, on the other hand, offers four main plans: Premier Basic, Premier Value, Premier Complete, and Exclusionary. Their coverage extends to essential vehicle components, and their highest-tier plan includes nearly all mechanical and electrical parts, except for a few listed exclusions.
Pricing
Pricing transparency is a major differentiator between these two providers. PWI does not offer online quotes, requiring potential customers to contact an authorized dealership to obtain a price. Based on customer reports, PWI’s plans can range between $2,000 and $4,000, with no known payment plan options.
Premier Auto Protect also does not publicly advertise pricing, opting instead for a quote-based model tailored to a vehicle’s age, mileage, and model. However, they provide “Preferred Pricing” for members of organizations like AAA, AARP, and USAA, which can offer additional savings. Customers report that Premier Auto Protect’s plans tend to be competitive, but exact pricing varies significantly.
Standout benefits
Both providers offer added benefits such as roadside assistance, rental car reimbursement, and flexible repair shop options. However, Premier Auto Protect stands out with features like:
• Direct payment to repair shops: Customers don’t need to pay out-of-pocket and wait for reimbursement
• Transferable warranties: Though limited to a single transfer, Premier Auto Protect allows warranty transfers to new vehicle owners
• Nationwide coverage (including Canada): Customers can use any ASE-certified repair facility in the U.S. and licensed repair facilities in Canada
PWI, on the other hand, focuses on providing coverage through a network of dealerships and repair shops. Their ASE-certified claims adjusters ensure repair quality, but the inability to purchase their warranties outside of a dealership may limit options for some customers.
Potential drawbacks
Neither provider covers pre-existing conditions, which is standard across the industry. However, each has unique limitations:
• PWI: Limited plan transparency, no online quotes, and only available at the time of a vehicle purchase from a participating dealership
• Premier Auto Protect: A 30-day/1,000-mile waiting period before coverage starts, limited transferability, and occasional delays in claims processing
Conclusion
Preferred Warranties Inc. is a solid choice for drivers purchasing a pre-owned vehicle from a dealership that offers their plans. Their long-standing industry presence and ASE-certified claims handling add credibility, but their lack of transparency and purchasing restrictions may be a drawback.
Premier Auto Protect, by contrast, is a direct provider with more flexible coverage options, a simple claims process, and additional perks like rental reimbursement and roadside assistance. Their extended waiting period and limited transferability may be concerns, but for drivers seeking direct coverage with more flexibility, Premier Auto Protect may be the better choice.
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