Select Auto Protect: Unlimited Claims, Any-Age Coverage

Select Auto Protect at a Glance

Select Auto Protect operates as a direct provider, meaning they develop, sell, and administer their own vehicle service contracts rather than acting as a broker or administrator for a third party. Their plans are available across all 50 states for all makes and models.

The provider's core appeal is straightforward: no vehicle age limits, no mileage caps, and no restriction on the number of claims a customer can file. Eligibility requires only that the vehicle is in good working condition at the time of purchase, with no physical inspection required. Coverage is structured across three stated-component levels of coverage, with a standard 30-day/1,000-mile waiting period and a flat $100 deductible across all plans. All repairs must be performed at an ASE-certified facility, and Select Auto Protect pays the shop directly upon claim approval.

Regarding reputation, the picture is mixed and warrants consideration. On independent review forums like Trustpilot, the company gets a good amount of positive feedback, with reviewers frequently citing helpful sales representatives and smooth enrollments. However, as of the time of this review, they are not accredited by the Better Business Bureau (BBB). As a company that has been operating for just over five years, their long-term track record remains limited, and prospective buyers should weigh the positive platform reviews against drawbacks before making a decision.

Coverage & Plans at Select Auto Protect

Select Auto Protect develops and administers three vehicle service contract tiers. All plans are available for vehicles of any age or mileage, provided the vehicle is in good working condition at the time of purchase. Coverage is available at any ASE-certified repair facility nationwide, and Select Auto Protect pays the shop directly upon claim approval.

Available plans

Note: Select Auto Protect does not offer an exclusionary plan. The Select Platinum plan is their most comprehensive option, but remains a stated-component contract, meaning only the parts explicitly listed in your contract are covered. This is worth understanding before purchase, as it differs from the original factory warranty's bumper-to-bumper coverage, which covers everything except a short list of exclusions.

Here is what you generally need to know about these plans:

• Eligibility: All makes and models qualify, with no vehicle age or mileage limits. The vehicle must be in good working condition at the time of purchase. No physical inspection is required; you only need to provide your VIN and current odometer reading
• Waiting period: A standard 30-day/1,000-mile waiting period applies to all plans before any claim can be filed
• Deductible: A flat $100 deductible applies per repair visit across all plans. No alternative deductible options are offered
• Repair facility: Any ASE-certified repair shop in the United States. Select Auto Protect pays the facility directly; you are responsible only for your deductible and any non-covered charges
• Claims: Unlimited claims with no annual or lifetime cap on the number of times you can use your policy
• Transferability: Coverage is transferable to a new owner at no charge — a phone call to notify the company is all that is required
• Money-back guarantee: A 30-day full refund is available if the policy is canceled within the waiting period and no claims have been filed. After that period, cancellation is subject to a prorated refund
• Replacement guarantee: If a covered part cannot be repaired, Select Auto Protect commits to replacing it

Additional benefits and exclusions

All three plans include the following extra perks at no additional charge:

• 24/7 roadside assistance : Towing, jump-starts, flat tire assistance, and fuel delivery
• Rental car reimbursement: Coverage for a rental vehicle while your car undergoes a covered repair, up to 7 days
• Trip interruption coverage: Reimbursement for lodging and meals if a covered breakdown occurs away from home
• Gas refill service: Fuel delivery in the event you run out of gas

Lockout services are included on Gold and Platinum plans only.

What is not covered under any of their plans:

• Pre-existing conditions present before the contract start date or during the waiting period
• Routine maintenance such as oil changes, tire rotations, and tune-ups
• Wear items, including brake pads, tires, wiper blades, belts, and hoses
• Damage from neglect, abuse, overheating, or failure to follow the manufacturer's recommended maintenance schedule
• Damage from collisions, theft, vandalism, or acts of nature
• Aftermarket modifications
• Any component not explicitly listed as covered in your contract
• Any repair not authorized by Select Auto Protect prior to work beginning

Costs & Contracts at Select Auto Protect

Select Auto Protect does not publish pricing on their website, and their online free quote form does not return an instant result; rather, a sales agent follows up by phone. To receive an accurate quote, plan to call them directly or provide your contact information and wait for outreach.

Pricing is customized based on your vehicle's make, model, year, and mileage, as well as your chosen coverage tier. Older vehicles and higher-mileage models will generally cost more to cover than newer ones. Based on available research and customer reports, total plan costs typically fall between $1,000 and $3,000, with the company positioning itself on the more affordable end of that spectrum.

Plans can be paid through monthly installments; no upfront lump-sum requirement is specified, though payment structure details should be confirmed directly with a representative. A $500 discount on the first purchase is currently advertised on their website.

You receive a full refund if the policy is canceled within the 30-day waiting period with no claims filed; if you cancel after that period, a prorated refund may apply. That said, reviewing the cancellation terms carefully before signing is strongly advised. Finally, they advertise no transfer fees, meaning coverage transfers to a new owner at no charge.

The Select Auto Protect Advantages

• No vehicle age or mileage restrictions: Select Auto Protect will cover vehicles of any age and any mileage, provided the car is in good working condition at the time of purchase. This is a genuinely rare policy in the extended warranty market, where most providers cap eligibility at 10 to 15 years or 150,000 to 200,000 miles. For owners of older or high-mileage vehicles who have been turned away by other providers, this opens a door that is otherwise difficult to find
• Unlimited claims with no annual cap: Most vehicle service contracts either limit the number of claims per year or impose a lifetime payout ceiling. Select Auto Protect places no cap on how many claims can be filed, which is a meaningful distinction for drivers of older vehicles who may face multiple repairs over the life of a contract. In theory, a customer could file several claims in a single year without exhausting their coverage
• Any ASE-certified repair facility: Policyholders are not restricted to a specific network of repair shops. Any ASE-certified mechanic or dealership service department in the United States can perform covered repairs, giving customers the flexibility to use a trusted shop rather than navigating a provider-approved network
• Direct payment to the repair shop: Select Auto Protect pays the repair facility directly upon claim approval, meaning customers do not need to pay the full repair bill out of pocket and wait for reimbursement. Beyond the $100 deductible and any non-covered charges, the financial transaction is handled between the company and the shop
• No-cost contract transfer: Coverage can be transferred to a new owner at no charge if the vehicle is sold before the contract expires. A phone call to notify the company is all that is required
• 30-day money-back guarantee: Customers who change their mind within the 30-day waiting period and have filed no claims are entitled to a full refund. This provides a low-risk entry point for buyers who want to evaluate the purchase before fully committing
• Competitive pricing with first-purchase discount: Select Auto Protect positions itself on the affordable end of the extended warranty market, with total plan costs generally falling between $1,000 and $3,000. A $500 discount on first-time purchases is currently advertised on their website, which can meaningfully reduce the entry cost for new customers

Why You Might Not Choose Select Auto Protect

• Inspector delays leave customers without their vehicles: Multiple customers describe their cars sitting at repair shops for one to three weeks, awaiting an inspector that Select Auto Protect is required to dispatch before authorizing work
• Cancellation and refund disputes: The 30-day money-back guarantee is clearly stated, but cancellations requested after that window have generated some complaints describing refund amounts far below what customers expected. Administrative fees, opaque proration calculations, and unresponsive cancellation departments are cited themes
• No prominently available sample contract: There is no published pricing information on their website, and no readily accessible sample contract. This makes it harder to evaluate what you are buying before getting into a sales conversation
• Not available in multiple states: Some reports say that the provider is not licensed to sell vehicle service contracts in a number of states, including California, New York, Florida, New Jersey, Massachusetts, Connecticut, and possibly Oklahoma
• Relatively short operating history: Founded in 2020, Select Auto Protect has been in operation for just over five years. Thus, their track record does not yet extend to the kind of sustained performance history that more established providers can point to
• BBB standing and complaint non-responses: Select Auto Protect holds an F rating with the BBB and has failed to publicly respond to many complaints filed against them as of the time of this review

The Select Auto Protect Customer Experience

This provider presents a striking split in their online reputation. Their Trustpilot profile has a rating of 3.9 out of 5, whereas their BBB profile tells a different story, with an F rating and a much lower review score. Understanding why these customer review scores diverge would be quite useful for a prospective buyer.

Positive feedback

Customers who had smooth experiences almost universally describe the sales and enrollment process favorably: representatives are described as knowledgeable, patient, and willing to negotiate on price without applying high-pressure tactics. Specific agents are named repeatedly in five-star reviews, and several customers mention receiving discounts upon request. One returning customer noted that they had previously purchased a plan for their own vehicle and came back to purchase a second one for their spouse's car. Another described switching from a competitor after a representative offered a significantly better deal.

A small number of customers who have had claims approved report that the process worked as described; the shop was paid directly, and they were responsible only for the $100 deductible. One customer noted that a $1,400 repair cost them only their deductible out of pocket. However, some note that, because they were evaluating the sign-up experience, they cannot fully evaluate the company until they file a claim.

Critical feedback

The most common complaint centers on claim denials, with customers describing repairs they expected to be covered—based on both the contract language and what they were told during the sales process—being rejected upon filing. Denial reasons cited in reviews include pre-existing conditions, lack of maintenance documentation, and exclusions that customers say were not clearly communicated at the point of sale. A recurring frustration is the gap between what sales representatives describe during enrollment and what the claims department ultimately honors.

Delays in the inspection and approval process are a second recurring theme, with some customers reporting their vehicles sitting at repair facilities for extended periods while awaiting an inspector, leaving them without transportation in the interim. Communication during this process is frequently described as difficult, with customers reporting unreturned calls and an inability to reach decision-makers when disputes arise.

Cancellation and refund experiences have also generated complaints, with some customers describing refund amounts significantly lower than expected after administrative deductions, and difficulty reaching the cancellation department in a timely manner. As with any service contract, it is strongly advisable to read the cancellation terms carefully before signing.

Customer Support

Select Auto Protect can be reached through the following channels:

• Phone: 860-393-0962 (primary); 860-294-4961 (alternate)
• Email: info@selectautoprotect.com for general inquiries; cancel@selectautoprotect.com for cancellation requests
• Online contact form: Available at their Contact Us page
• Mailing address: 1201 N Market St, Suite 111, Wilmington, DE 19801

Their claims department operates 24/7, and the company advertises unlimited service calls with no cap on how many times you can use your policy. To file a claim, take your vehicle to any ASE-certified vehicle repair facility and provide the shop with your contract information. The shop contacts Select Auto Protect directly to initiate the claim process, and payment is made directly to the facility upon approval.

Select Auto Protect maintains an FAQ page and a blog that cover general extended auto warranty coverage topics. No dedicated mobile app or online claims portal is available; all warranty management is handled by phone or email.

Closing Thoughts

Select Auto Protect fills a real gap in the extended warranty market. Their willingness to cover vehicles of any age or mileage, combined with unlimited claims and competitive pricing, makes them one of the few options available to owners of older cars that most providers decline outright. For drivers in that position, the appeal is straightforward, and the entry cost is reasonable, particularly with the first-purchase discount factored in.

That said, the concerns documented in this review are not minor. The volume of claim denial reports across multiple independent platforms represents a meaningful consideration, as the gap between what customers report being told during the sales process and what they experience when filing a claim is a pattern worth taking seriously. Prospective buyers should also verify the company's licensing status in their state before purchasing, particularly in states where vehicle service contract sellers are required to be registered with the insurance regulator.

If Select Auto Protect is on your shortlist, we encourage you to read the contract in full before signing, ask pointed questions, and compare their offering with other providers who may cover your vehicle. Our full library of extended car warranty provider reviews is a good place to start, and our interactive comparison tool makes it easy to evaluate multiple options side by side. For guidance on what to look for in a vehicle service contract and how to avoid common pitfalls, our auto warranty blog covers these topics in depth.

Get a Free Auto Warranty Quote Now