Protect My Car Review: Vehicle Service Contracts

Protect My Car is a company that lives up to its name, providing comprehensive protection for your vehicle. They offer a range of extended warranty policies and maintenance plans, ensuring that you are fully covered in the event of a breakdown or malfunction. With Protect My Car, you can have peace of mind knowing that your car is protected against unexpected repairs and maintenance costs.

About Protect My Car

Protect My Car is an extended auto warranty company established in 2005 and currently based in Saint Petersburg, Florida. They offer extended auto warranties covering everything from basic coverage to bumper-to-bumper for vehicles with less than 125,000 miles.

On the Better Business Bureau website, they have hundreds of five-star reviews. They also scored 4.6 on Trustpilot.
 

Protect My Car Coverage

Protect My Car offers you three levels of warranty coverage:

• Supreme: This option is similar to the manufacturer's warranty; if you plan to keep your vehicle longer than the manufacturer's warranty, which is usually three years, than this plan is for you.
   
• Select: Choose this option if your vehicle has more than 50,000 miles. The Select policy offers you protection if you are just outside of the requirements for the Supreme policy. All aspects of the previous plan are included except the turbocharger and navigation system.
   
• Driveline: If your car is four to ten years old with more than 80,000 miles, this is for you. This policy plan includes the same components as the Supreme and Select plans but excludes the turbocharger, navigation system, and front and rear suspensions.
   

Ambassador Maintenance Plan

If your vehicle is over 13 years old, you won't be able to take advantage of the extended warranty. However, the company does offer an alternative to the "Ambassador Maintenance Plans." This plan provides guaranteed discounts between 50% and 75% on repairs, rental car reimbursement, and 24/7 roadside assistance. Unfortunately, with all the perks you get, it still doesn't provide you with the same level of protection you get from an extended warranty.
 

What is Not Covered?

Extended warranty plans do not cover everything; they exclude all damage caused by wear and tear, abuse, misuse, accidents, and environmental events. Exclusions include:

• Wear items
• Wires
• Plugs
• Bulbs
• Cosmetic items
• Exhaust pipes
• Customized parts
• Unauthorized repairs
• Parts that upgrade the value of the vehicle
• Accidental damage
• Racing
• Preexisting conditions
• Weather
   

Extra Benefits You Get With Protect My Car

Protect My Car gives you additional benefits, like most independent warranty providers. However, you will have to look into the fine print beforehand to reveal the limitations of these benefits:
 

Roadside assistance: This auto warranty provider promises to "be there to help you through each step" if your car breaks down. The service is free, but it is not as comprehensive as they make you believe. For example, you are limited to two roadside assistance calls per year; any call after that, you get charged $50 per service. Plus, towing is limited to one tow within 72 hours, and you can only contact a licensed repair facility.

You are responsible for paying:

• Cost of gas
• Key cutting
• Vehicle jumpstart
• Lockout service
• Flat tires
• Gas delivery

Rental car reimbursement: Protect My Car offers you rental car reimbursement, but it is limited to $30 per day, and you cannot go over seven days or a maximum of $210.

Hotel reimbursement: If your vehicle is in a repair shop overnight and you are more than 150 miles from home, you can get a $50 hotel/motel and restaurant reimbursement for three days.
 

Protect My Car Costs

Protect My Car doesn't have a set rate; you won't be able to get an exact rate unless you fill out a form and make a request. The total cost of your payments depends on your car's:

• Make
• Model
• Mileage
• History

These policy plans extend over a long period of time, anywhere from 36 to 48 months. This timeframe is longer than that of other independent auto warranty companies; this makes it more affordable but will cost you more in the long run.

To put it into perspective:

A 2018 Kia Rio with 50,000 miles on it will cost:

• Select policy plan: You'll pay $81.87 for the down payment, then $81.87 for 36 months.
   
• Ambassador Platinium: You'll pay $100.23 for the down payment, then $100.23 for 36 months.
   
• Ambassador Elite: You'll pay $89.05 for the down payment, then $89.05 for 36 months.

A 2018 Kia Rio with 100,000 miles on it will cost:

• Driveline policy plan: $94.66 for the down payment, then 94.66 for 36 months.

• Ambassador Platinium: You'll pay $100.23 for the down payment, then $100.23 for 36 months.
   
• Ambassador Elite: You'll pay $89.05 for the down payment, then $89.05 for 36 months.
   

Protect My Car Customer Support

To reach customer service, you can call +1-844-556-4762 or +1-800-253-2850. Operation hours are not mentioned on their website. However, if you prefer to communicate through email, you can fill out a form on their "Contact Us" page.
 

Conclusion

If you are shopping around for an extended auto warranty, Protect My Car is one of the best warranty providers on the market. They have one of the lowest monthly payments compared to other companies, and they can accommodate different types of vehicles, including older ones.

They largely get positive reviews from their customers; they have an A+ rating from the BBB and a 4.6 on Trustpilot.