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Transforming Vehicle Security: A Premier Auto Protect Review

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Transforming Vehicle Security: A Premier Auto Protect Review

Published: December 24th, 2023

When purchasing a vehicle, maintaining its protection is not only a preference but a necessity. Premier Auto Protect has emerged as a key player in the market, offering comprehensive coverage plans designed to safeguard your automotive investment.

Premier Auto Protect's Vehicle Service Contracts (VSCs) provide car owners with added vehicle security in the event that any unexpected breakdowns occur. In this review, we will unravel the layers of Premier Auto Protect, examining its strengths and weaknesses, dissecting the coverage plans they offer, exploring the intricacies of pricing, understanding eligibility criteria, and gaining insights into this warranty provider through the customer experience.


Transferable coverage
Cancellation option
Rental car reimbursement
Nationwide coverage
Around-the-clock roadside assistance


Lack of transparency
Limited transferability options


Quick Stats

BBB Rating
Cancelation Option
Customer Experience
Maintenance Coverage
Not Available
Maximum Mileage
Money-Back Guarantee
Number of Plans Available
Repair Shop Choice
Term Limits
Trustpilot Score
Waiting Period
30 days and 1,000 miles
Tire Repair/Replacement
Operating Status
Business Started
Online Quote

An Overview of Premier Auto Protect

Established in 2016 and based in New York, Premier Auto Protect is a direct provider of extended warranty plans that focus on keeping drivers worry-free. They offer four nationwide coverage plans, giving vehicle owners options that match their needs.

Going beyond just warranties, Premier Auto Protect sweetens the deal with additional benefits like free roadside assistance, towing reimbursements, rental car coverage, and a money-back guarantee, showing they care about more than just repairs.

What sets Premier Auto Protect apart is not just their coverage but also their promise to make things right for customers. They keep it simple, offering plans that cater to different levels of coverage and benefits that go beyond what is expected.

The Pros & Cons of Premier Auto Protect


Transferable: With this provider, your auto warranty is transferable; however, it comes with certain limitations. These limitations include only having a single transfer during your coverage period; once the coverage has been transferred, the subsequent owner is not eligible for cancellation. To initiate a transfer, the provider must be notified within 15 days of the ownership change, ensure the inclusion of all pre-existing dealer or manufacturer's warranty transfers, and provide all maintenance records and odometer readings at the time of the transfer.

Cancellation: Within the first 30 days of coverage, you are entitled to cancellation. To do so, you must submit a request, and Premier Auto Protect will provide you with a full refund. If you would still like to cancel your plan after the 30-day grace period, they will give you a prorated refund based on the amount of the plan you haven't used, and you are subjected to a $25 cancellation fee.

Rental car reimbursement: Premier Auto Protect offers breakdown coverage that includes expenses up to $75 per day for four days, totaling up to $300. This coverage is available in the event of a covered breakdown that requires at least eight hours to repair. If the repairs take up to eight hours, you will get a one-day car rental and $75. For repairs that take 16 hours, you receive a two-day rental and $150. And if the repairs exceed 20 hours, you will get a three-day rental and $225.

Nationwide coverage: Premier Auto Protect provides nationwide coverage in the US, allowing customers to access any National Institute of Automotive Service Excellence (ASE)-certified repair facility. Additionally, even if you're in Canada, the flexibility remains, as you can choose a licensed professional for your car repairs, showcasing Premier Auto Protect's commitment to offering comprehensive protection and convenience across borders.

Around-the-clock roadside assistance: Premier Auto Protect takes pride in offering around-the-clock roadside assistance, a valuable feature that extends throughout the entire year, including holidays. This means that customers can have peace of mind knowing that assistance is readily available 24/7, providing a safety net for unexpected emergencies.

Payment directly to the repair shop: Unlike other extended warranty companies, Premier Auto Protect takes pride in the simplicity of claim payment. Instead of the customer paying for the repair and subsequently getting reimbursed or having the repair shop bill them, they pay for repairs immediately over the phone.


Lack of transparency: Premier Auto Protect faces challenges in clearly communicating important information regarding their coverage plans. This information includes eligibility criteria as well as pricing, which may leave customers uncertain. 

Limited transferability: The restricted transferability of Premier Auto Protect's plans, allowing only one transfer and prohibiting transfers to third parties, may limit flexibility for vehicle owners.

Extensive waiting period: Once you have purchased an extended car warranty from Premier, you are required to withstand a notable waiting period. You need to wait for 30 days and drive 1,000 miles before your coverage kicks in, and you can get your claims approved. This period is in place as an extra measure to prevent immediate claims for pre-existing issues, which protects the provider; however, it can be a hindrance to customers.

What Are the Plans That Premier Auto Protect Offers & What Do They Cover?

Premier Auto Protect offers a variety of plans to fit different needs and budgets. Their plans cover major vehicle components, such as the engine, transmission, electrical system, and more. Additional assistance, such as towing services, fuel refills, and locksmith services, is available with each plan.

Premier Basic

Serving as the foundational option, the Premier Basic plan offers essential coverage for key components of your vehicle. These components include the engine, transmission, drive axle, seals, gaskets, and battery. This plan is ideal for individuals who prioritize fundamental protection and are looking for a cost-effective solution to safeguard against unexpected repairs.

Premier Value

Building on the basic coverage, the Premier Value plan enhances protection by including a broader range of vehicle components. This plan covers everything from the basic plan, including the steering, turbo supercharger, air conditioning, fuel system, electrical components, and brakes. Striking a balance between affordability and comprehensiveness, this plan best suits those seeking protection without breaking the bank.

Premier Complete

On a higher tier lies their Premier Complete plan, which covers an extensive array of components. Once again, it covers all components mentioned in their Premier Basic and Value plans in addition to these components: anti-lock brakes, heating, hi-tech electronics, rear suspension, front suspension, and hybrid vehicles.

This plan is designed for individuals who desire heightened security and coverage, encompassing a wide range of potential issues that may arise during the vehicle's lifespan.


Positioned as the most comprehensive plan, the Exclusionary coverage offers an all-encompassing shield for almost all vehicle components, excluding only a specific list of items. As an exclusionary plan, only components that are excluded are mentioned in the VSC.

This top-tier plan is crafted for individuals who prioritize maximum protection and seek peace of mind, acting as the pinnacle of protection against unexpected breakdowns.

Coverage for power sports vehicles

Premier Auto Protect is among the warranty companies that offer additional coverage for a wide range of vehicles. Furthermore, some common factors in these plans include rental car coverage, vehicle pickup, and key replacement.

ATV, UTV, and Scooter: Recognizing the needs of owners of all-terrain vehicles (ATVs), utility task vehicles (UTVs), and scooters, they also provide tailored coverage for these modes of transportation.

Personal Watercraft: You can also enjoy protection for your watercraft vehicles as Premier Auto Protect provides extensive coverage that operates as a safety net. Components include the engine, oil system, drive line, and more.

Motorcycle: This is a unique plan designed for owners seeking comprehensive coverage of their motorcycles. Coverage is provided for the engine, transmission, primary drive, drive assembly, and more.

Limitations & Exclusions of Premier Auto Protect Coverage

Premier Auto Protect excludes coverage for items such as carburetors, batteries, and safety restraint systems. Personal items like cell phones are not covered, and repairs due to collision-damaged airbags or pre-existing mechanical issues are also excluded. The program does not cover damages caused by rust, salt, or water intrusion, and claims not covered by the dealer's or manufacturer's warranty take priority. Any breakdowns not covered must be repaired before submitting other claims.

Components not covered under their VSCs include carburetors, batteries, safety restraint systems, and personal items like a cellphone. Additionally, other components not covered based on specific circumstances include airbag damages caused by collisions, parts that are worn out naturally, and pre-existing mechanical issues. Furthermore, repairs that are needed due to rust, salt, water intrusion, or natural occurrences, as well as repairs that have been done before authorization, are not covered.

Lastly, it is essential to note that if an excluded report has been submitted, that component must be repaired before submitting any other claim.

Premier Pricing

Premier Auto Protect, in alignment with other providers, does not publicly advertise their pricing. Instead, the company adopts a personalized pricing approach, considering various factors such as your vehicle's make, model, age, and mileage. This strategy ensures customers receive tailored and competitive pricing based on their situation and vehicle details.

Additionally, their website holds no information regarding the deductible; however, based on their sample contract, it is clear that some customers can opt for a deductible and others can choose not to. Regardless, to obtain accurate pricing, you can request a free quote through their website detailing specific information regarding your vehicle.

Premier Auto Protect presents a valuable opportunity for individuals who can provide evidence of their membership in AAA, AARP, PenFed Credit Union, USAA, TriCare, or the VA system. They go the extra mile by offering "Preferred Pricing" to these members, ensuring they receive special pricing considerations, potentially translating into cost savings on their coverage plans.

Customer Reviews & Ratings of Premier Auto Protect

When it comes to the customer experience, Premier Auto Protect stands out as a reputable choice. The company is accredited and proudly holds an A rating from the Better Business Bureau (BBB).

For positive reviews, customers praised Premier Auto Protect for their quick and pleasant customer service, professionalism, and knowledge. They expressed having a great experience selecting a coverage plan, highlighting their flexible cancellation policy. Customers also appreciated the competitive pricing and the ease of dealing with their customer reps.

As for negative reviews, customers cited issues ranging from payment disputes to service delays. One customer reported a charge discrepancy, stating that an unauthorized charge remained non-refunded despite canceling within the 30-day time frame. Additionally, a lengthy delay in approving vehicle repairs at the dealership, coupled with unresponsiveness from the company, led to customer dissatisfaction. Complaints ranged from payment disputes to unproductive handling of claims, contributing to an overall negative experience for these customers.

As for how Premier Auto Protect dealt with these complaints, the company demonstrated responsiveness by replying quickly to address customer concerns. Their responses included providing extensive reasoning and explanations regarding the reported issues, aiming to clarify the reason behind the issues raised by customers.

Customer Service & Support

To contact Premier Auto Protect, feel free to call them at 1-888-501-0094. You can also email them at Alternatively, you can submit your information and inquiry through the online form on their website, and they will promptly get back to you. Premier Auto Protect is committed to offering responsive and personalized customer service by responding every day of the year.


Premier Auto Protect offers comprehensive nationwide coverage with unique benefits. While praised for transferability and straightforward cancellation, challenges include transparency issues. With four plans and personalized pricing, the company addresses diverse customer preferences.

Reviews commend quick service but note occasional issues like payment disputes. In handling complaints, Premier Auto Protect responds promptly and provides detailed explanations.

If you feel this provider is not best suited for your needs, we recommend looking at our reviews of the top extended auto warranty providers and comparing each one. You can also check out our blog page for coverage on all the significant topics of the extended auto warranty industry. 

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