Auto Warranty
Top Companies in 2026
Preferred Warranties Inc vs Premier Auto Protect
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- Nationwide coverage
- Offers powersport coverage
- Online claim process
- Coverage available for high-mileage, hybrid, and electric vehicles
- Freedom to use ASE-certified repair facilities nationwide
- Included roadside assistance and travel-related benefits with many plans
- Thirty-day money-back guarantee for eligible cancellations
- Multiple coverage levels ranging from Powertrain to Exclusionary plans
- 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
- Waiting period information is not clearly disclosed online
- Limited online access to sample contracts and detailed policy documents
- Pricing is not publicly available and requires a quote
- Mixed customer feedback regarding claims handling and coverage disputes
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 is a New York-based vehicle service contract provider founded in 2016. They offer nationwide coverage and operate as a direct provider, handling both plan administration and customer service. Their coverage options range from basic Powertrain protection to comprehensive Exclusionary plans, with additional options available for electric vehicles through a dedicated EV Exclusionary plan. Many of their contracts include benefits such as roadside assistance, rental car reimbursement, trip interruption coverage, and access to ASE-certified repair facilities across the country. Coverage is available for a variety of vehicle types, including used vehicles, higher-mileage vehicles, hybrids, and EVs. The company holds Better Business Bureau accreditation and an A BBB rating. Customer feedback is generally positive on larger review platforms, including Trustpilot and the BBB, where many reviewers praise the sales experience, customer service, and coverage options. At the same time, some customers report concerns related to claims processing, contract interpretation, and coverage disputes, making it important to understand the details of any agreement before purchasing. This review takes a closer look at their plans, costs, contract terms, customer experiences, and support resources to help readers better understand what Premier Auto Protect offers.
- BBB Rating : A+
- Maximum Mileage : Undisclosed
- Money-Back Guarantee : Undisclosed
- Number of Plans Available : 7
- Waiting Period : Undisclosed
- Operating Status : Active
- BBB Rating : A
- Money-Back Guarantee : Available 30 days
- Number of Plans Available : 5
- Operating Status : Active
- Deductible Range : Quote-based
- Covers a variety of vehicles
- You can use any repair shop of choice
- Coverage begins immediately
- Dedicated EV Exclusionary plan designed specifically for electric vehicles
- Direct-provider model that handles both sales and contract administration
- Coverage options available in California, where some competitors have limited availability
- Transferable contracts that may help increase vehicle resale appeal
- High-mileage
- Exclusionary
- Powertrain
- $0 deductible option—Undisclosed
- Commercial/rideshare
- EV/hybrid components
- No waiting period—Undisclosed
- Option with free maintenance benefits—Undisclosed
- 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—Undisclosed
- Transferable
- 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—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
- Phone
- 24/7 customer support—Undisclosed
- FAQs / Educational resources
- Live Chat—Undisclosed
- Mobile Application—Undisclosed
- Online quote without phone—Undisclosed
- Sample contracts online
- Phone
- 24/7 customer support—Undisclosed
- FAQs / Educational resources
- Live Chat
- Mobile Application
- Online quote without phone
- Sample contracts online
- 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
- Contract (lump-sum) payments
- Pay-in-full discount—Undisclosed
- Month-to-month payments
- Cancellation fee—Undisclosed
- Multi-vehicle discount—Undisclosed
- Price lock guarantee—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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