Premier Auto Protect vs Select Auto Protect

Premier Auto Protect vs. Select Auto Protect

Premier Auto Protect and Select Auto Protect are prominent players in the extended auto warranty industry. Both offer comprehensive coverage options to provide vehicle owners with peace of mind. In this comparison, we'll explore their coverage plans, pricing, standout benefits, and potential drawbacks, highlighting commonalities and differences.

Coverage plans and options

Both Premier Auto Protect and Select Auto Protect offer a range of coverage plans designed to cater to different vehicle needs. These plans typically cover essential components like the engine, transmission, and electrical systems. Additionally, both companies include roadside assistance, towing, and rental car coverage, ensuring that customers are protected in various scenarios.

While the basic structure of their plans is similar, Premier Auto Protect offers four distinct plans, with their top-tier Exclusionary plan covering nearly all vehicle components. In contrast, Select Auto Protect provides three plans, with their Select Platinum plan being the most comprehensive. Premier Auto Protect also includes coverage for power sports vehicles, a feature not offered by Select Auto Protect, giving Premier an edge for customers with diverse vehicle needs.

Pricing

Both companies employ a personalized pricing model, where the cost of coverage depends on factors like the vehicle's make, model, age, and mileage. They also provide flexible payment plans, making their services accessible to many customers. Pricing transparency is somewhat limited for both companies, as neither publicly disclose specific rates on their websites.

However, Premier Auto Protect offers a broader range of deductible options, allowing customers to better tailor their plans to their financial situation. Select Auto Protect, on the other hand, is more straightforward with their pricing but does not offer an online quote tool, making it harder for potential customers to compare costs directly.

Standout benefits

Both companies offer several benefits designed to enhance the customer experience. These include nationwide coverage, transferable warranties, and unlimited claims. Additionally, they provide added perks like roadside assistance and trip interruption coverage, ensuring that customers are well-supported during unexpected vehicle issues.

One notable difference is that Premier Auto Protect offers rental car reimbursement at a higher rate and longer duration than Select Auto Protect. Premier Auto Protect also directly pays repair shops, eliminating the need for customers to handle out-of-pocket expenses before reimbursement, a convenience that Select Auto Protect does not match.

Potential drawbacks

While both companies offer valuable coverage, they also share some drawbacks, such as the lack of pricing transparency and a 30-day waiting period before coverage begins. Additionally, neither company covers routine maintenance or wear-and-tear items, which are standard exclusions in the industry.

A key difference lies in Select Auto Protect's limited online resources. The lack of a sample contract or online quote tool can make it challenging for customers to fully understand the terms and conditions before committing. Premier Auto Protect, while more transparent in certain areas, also has limitations, such as restrictive transfer policies and a less intuitive claims process.

Conclusion

Premier Auto Protect and Select Auto Protect provide reliable extended auto warranties with comprehensive coverage, flexible pricing, and valuable benefits. Premier Auto Protect stands out with their broader coverage options and customer-friendly claims process. At the same time, Select Auto Protect offers more straightforward pricing but lacks some of the conveniences and transparency that Premier provides. When choosing between the two, you must consider your specific vehicle needs, budget, and preference for customer support features.

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