American Guardian Warranty Services Inc.

American Guardian Warranty Services Inc.

 1.1/5 (80 reviews)

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Overall Rating1.1 out of 5
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About American Guardian Warranty Services Inc.

American Guardian is an extended auto warranty company that offers warranties for cars, recreational vehicles, powersport vehicles, marine vehicles, and medium- and heavy-duty trucks and buses. All warranties from American Guardian are potentially transferable, and the company provides a 100% part replacement guarantee.

    Pros & Cons


    • Variety of plans
    • RV and powersport vehicle plans
    • Specialty coverages available


    • Low customer ratings
    • Doesn’t sell directly to consumers

    Bottom Line

    American Guardian offers a wide range of coverage options for a variety of vehicles. However, it only sells through dealerships, so it’s hard to get a quote and make a smart purchase.

    What is American Guardian?

    American Guardian is a company that offers extended warranties for cars and other vehicles, including recreational vehicles, powersport vehicles, boats, trucks and buses. It offers its products through dealerships, so most of its product information is directed towards industry professionals.

    American Guardian plans

    American Guardian has multiple vehicle service plans available at the time of publishing:

    • Compass Protection Plan contracts include coverage for mechanical repairs and parts and labor on eligible vehicles up to 20 years old or with up to 200,000 miles. Three coverage tiers are available under this plan.
    • Compass Platinum Plus provides exclusionary coverage (including wear-and-tear items) with no deductible.
    • Compass Basic gives you coverage for mechanical repairs, parts and labor on vehicles up to 20 years old or with up to 200,000 miles.
    • Compass Advantage is a loyalty program offering separate engine and powertrain coverage for up to the lifetime of the vehicle.
    • Your Plan is either a basic stated component plan or an exclusionary plan. Appearance protection products are also available.
    • GAP Protection covers you if your car is totaled while you’re upside-down on your loan.
    • Compass Limited Warranty offers coverage for repairs, parts and labor for up to six months or 6,000 miles.
    • Key Replacement protects you from paying for a new key after loss, theft or destruction.
    • Extended Lease Wear & Tear Limited Waiver Addendum covers wear-and-tear fees on leased vehicles.
    • Tire & Wheel only covers your car’s wheels, tires and rims from road hazards.
    • Paintless Dent Repair covers the cost of repairing dents and dings on your vehicle.
    • Theft Protection covers you against total loss.
    • Dealer Branded Pre-Paid Maintenance plans offer discounts on maintenance for 24, 36 or 48 months.
    • Driver’s Armor Ancillary packages offer protection for cosmetic repairs, tires and wheels.
    • Driver’s Armor Certified protects certified pre-owned vehicles with a limited engine warranty.
    • Complete Coverage is an a-la-carte plan that lets you choose your coverage.
    • Compass Tech + offers three levels of coverage for your car’s interior electrical components.

    Many of these plans offer similar coverages, so individual dealers likely won’t offer all of them. Contact your local dealer to see which they offer.

    American Guardian benefits

    Plans from American Guardian can come with benefits such as:

    • Roadside assistance
    • Rental car reimbursement
    • Towing
    • Trip interruption insurance

    Benefit details vary from plan to plan, so check with your dealership to see what benefits are included in their offerings.

    American Guardian cost

    American Guardian doesn’t list any prices on its website, so you’ll have to contact a partnered dealership for a quote. Not having pricing online is fairly normal for the extended auto warranty industry, but many companies offer a quote tool rather than making you deal with a third party for purchase.

    American Guardian’s published deductibles range from $0 to $500.

    American Guardian FAQ

    Does American Guardian have coverage for motor homes?

    Yes, American Guardian has warranties for motor homes and RVs.

    Can I get a refund on my car warranty from American Guardian?

    You can cancel your contract with the dealership that sold you your contract, and the dealer may offer you a refund.

    Can I transfer my American Guardian car warranty?

    Yes, car warranties from American Guardian are transferable, but you have to submit a request with the company.

    How can I get a quote from American Guardian?

    You can’t. American Guardian suggests that you contact a dealership for pricing information.

    Where are American Guardian warranties accepted?

    American Guardian recommends you take your vehicle to the dealership where you purchased it. If that’s not possible, you can take your vehicle to your choice of repair shop as long as it is a licensed business and can confirm the appropriate business insurance.

    American Guardian also has National Fleet Accounts with companies such as Firestone, Pep Boys, AAMCO, Interstate Transmissions, Multistate and Mr. Transition, meaning you can take your vehicle to any of these locations.

    Is American Guardian worth it?

    While it’s good that American Guardian covers diverse vehicles and has transferable warranties, consumer reviews are overwhelmingly negative at the time of publishing. Reviewers cite high-pressure sales tactics and frustrating experiences with customer service. If you are considering coverage from American Guardian, try getting quotes from several other companies to verify that you’re making a smart decision. This should help set expectations for pricing and customer service so you can make an informed decision.

    American Guardian Warranty Services Inc. Reviews

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    Page 1 Reviews 0 - 10
    Verified Reviewer
    Original review: March 1, 2023

    Literally set up this account just to write this review. So shady. Got random email solicitations from this company posing as my Subaru dealer telling me my car warranty was expiring and they were offering me extended coverage.

    A) My warranty isn't expiring for another two years.
    B) They aren't even Subaru affiliated but a 3rd party provider.

    C) When I jumped onto ConsumerAffairs and saw the horrific reviews I had to make my own contribution to help others avoid these scumbags.

    The sales rep on the phone was constantly upselling, and when I asked for detailed paperwork on the plan he dodged and weaved, until I told him I wouldn't sign for anything until I received paperwork to review to understand the coverage and plan, at which point he finally conceded to doing sharing in writing. The email was a dumpster fire of non-professional nonlegal looking information on their "plan".

    I went back and called Subaru (also shame on you in the C-suite for partnering with a scumbag 3rd party like this to outsource "coverage") and confirmed this was a recurring issue other customers have due to confusion and the aggressive upselling on the part of American Guardian Warranty Services, without disclosing their relationship...or the fact that they're blindly contacting customers and carpet bombing with them with offers without knowing anything about their actual coverage plans, or lack thereof. Put these people out of business, and DO NOT GIVE THEM ANY OF YOUR MONEY. Good luck, stay safe.

    Be the first one to find this review helpful
    Verified Reviewer
    Original review: Feb. 9, 2023

    Where do I start? Upon buying our RV we were coerced into buying this policy for over $9000. We took our RV to Florida 1400 miles away from home. Our transmission started acting up and our RV start smoking BAD! We took it to a licensed repair facility on January 16th and it’s been there since. We have been stuck in a hotel for over 3 weeks with no end in sight. They have been giving the licensed shop a run around for pictures upon pictures. Now they sent an inspector to take the same pictures! I don’t know if there will be any resolution to our problem. But so far we have a month of hotel food and rental car to add on top of it all! We will keep you posted.

    5 people found this review helpful

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      Verified Reviewer
      Original review: June 17, 2022

      We have an extended warranty for my 2013 dodge journey. This company will not approve our transmission replace because we can not find 2 missing receipts for oil changes. This is absolutely stupid for that fact that a oil change has absolutely nothing to do with the transmission going out. It has been 2 plus month with very little communication from them I have set multiple email and have called multiple times. They don't respond and I call and get the run around. I will be contacting a attorney. I advise everyone who is think of using this company to do research. This company is a scam and a rip off

      5 people found this review helpful
      Verified Reviewer
      Original review: April 29, 2022

      Submitted warranty claim for transmission issue. Provided American Guardian with service records for transmission services that had been done on the vehicle which had been done based on the timeframe stipulated in the contract. They then requested all service records with regards to oil changes, which have absolutely nothing to do with the transmission. Claim was denied because a few of the oil changes were not done in the time frame stated in the contract. Customer service then said that the oil change time frames/mileage are based on the vehicle maintenance schedule from the manufacturer for that vehicle, which is different from what is in the contract. It basically comes down to this company has no morals with regards to doing what is right for the consumer.

      6 people found this review helpful
      Verified Reviewer
      Original review: Nov. 10, 2021

      The transmission line on my motorhome broke, sheering the metal line and dumping the fluid on the ground. The vehicle was never driven beyond the point that the line exploded. I reviewed the warranty and followed the instructions to authorize the repairs so that the shop could diagnose the problem. I contacted the warranty company and got the information so that the service center could begin to initiate the claim. Once the claim was initiated the assessor went to the shop. He asked why they had to replace the line and the technician explained that the line had to be repaired to determine if the issue was with the transmission. He was told that it was a failure within the transmission.

      I called every other week trying to get status updates to the claim. No one ever contacted me, not even the assessor. No one asked me what had happened or if there were any prior issues. I asked for the name and contact information several times and was told they wouldn't provide me with that information. They told me three times that they would email him for a status update. The company who pulled the transmission apart said that the pressure switch or pump had gone bad within the transmission and that it had to create an excessive amount of pressure to blow that line. Four weeks after the assessor had inspected the vehicle neither myself or the shop had heard back from the warranty company.

      I called and asked if I could get an update and they told me that the claim was denied. They never told myself or the service center why or informed either of us that the claim was denied. I see from other complaints that this is common with this company. I encourage others to DM me on Twitter at ** to explore legal recourse. Leave reviews with dealerships selling their warranties to warn their customers that they are selling a deceptive and fraudulent product. Contact your state Attorney General. This company should not be allowed to continue this scam.

      8 people found this review helpful
      Verified Reviewer
      Original review: March 23, 2021

      Do not buy this warranty. I had a claim a couple months back on my RZR. They required service records and said they was good and paid the 900 dollar repair bill. Then a month ago it had another transmission problem. They required my machine maintenance records. I used the same records I had from before. This time they denied my claim because the invoice numbers on the receipts wasn't correct. 2 of them matched.

      Granted I have the same records of maintenance used last claim then they said because I told the repair shop to fix it cause it had been being drug out and wasn't going to have be paid for by my pocket or American Guardian because it had been taking so long for them to approve the repair or my maintenance records. I told the repair place to fix it before I had to start paying storage on the machine. American guardian then denied doing any more to resolve my claim and stuck me paying 3600 dollars for the repairs. This absolutely the sorriest company I have ever dealt with.

      8 people found this review helpful
      Verified Reviewer
      Original review: Feb. 12, 2021

      Do NOT use this company. They will rip you off. Take your money and when you need them they will do everything in their power to deny a legitimate claim verified by a reputable and well-known dealership. Save that money for your children, instead of giving them a dime. They will not look out for you...

      7 people found this review helpful
      Verified Reviewer
      Original review: Jan. 12, 2021

      PLEASE PEOPLE STAY AWAY FROM THIS COMPANY SCAM! If I could rate less I would. We bought this insurance in 2018 when we bought our 2015 Tiffin. We have had to use it 2 times. 1st on a air condition fan blade and motor being repaired. This company would only pay for a little over 200 dollars of a 550.00 dollars invoice. The last time we broke down in the middle of the country, motor home (43 ft) had to be towed. This company only paid 300 of a 900 dollar tow bill. The problem that happened was 3 freeze plugs came out of the head. American Guardian will only pay for 2134.40 of a 3525.42 bill. By the way the work was done at a certified Cummins dealer! Part of the problem they say they don't pay for reprogramming the ECM although the ECM is what told the motor to shut down. So I don't have to get in details. PLEASE PEOPLE STAY AWAY FROM THIS COMPANY. SCAM.

      16 people found this review helpful
      Verified Reviewer
      Original review: Dec. 14, 2020

      If you are buying a vehicle and they offer you GAP coverages from American Guardian Warranty Services RUN FOR YOUR LIFE!!!! Hands down the WORST company I've ever dealt with. When my new car needed a repair, they DENIED my claim and then when I got into an accident and the car was paid off by my insurance company, they stated that Progressive did not give them enough money and denied to cover the rest. I paid $900 for this GAP coverage only to get denied twice and have them NOT pay for the "GAP". The customer service reps are rude as hell, and they use this INACCURATE pricing website called ** to OVERVALUE my car so that they have a reason not to pay the remaining $1700.00 on my vehicle.

      They told me it "wasn't their problem" and that I would need to call Progressive to give them more money. Then I requested they email me a letter.... It took 4 calls and a month to get a denial letter. Before I purchased their GAP coverage, I read the reviews and they were HORRIBLE and I still purchased their plans. Biggest mistake ever! I am warning you to NOT make my same mistake and use this company. I've learned that most online reviews are pretty accurate and I am sure you have read a lot of unsatisfied reviews in addition to mine.

      Save your money and pay out of pocket or find another GAP company. This company is just SHADY as hell. You probably have scrolled down and seen a bunch of 1 star reviews. I bet you the 5 star reviews are all FAKE. Take my word for it and PLEASE DO NOT USE THIS COMPANY. Before you go to a car dealership, ask them what company they use for an extended warranty and GAP coverage. If they state it is American Guardian Warranty Services, then ask them if they have another company and if not, FIND ANOTHER CAR DEALERSHIP. Trust me, the reviews you see are ACCURATE.

      7 people found this review helpful
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      Verified Reviewer
      Original review: Aug. 13, 2020

      This company does not pay diagnostic fees, though you the customer are required to have the diagnosis done to diagnose the problem(s) needing repair. This company denies coverage for manufacturer defects when non-related maintenance [like an oil change at the suggested number of hours] isn't done - though no proof exists that the manufacturer defect can be directly related to routine maintenance. The bottom line is that this company provides policies that apparently they do not fully honor, and we found out too late it's a waste of money and they are NOT consumer-friendly. It is not recommended to purchase a policy with this company for any reason.

      12 people found this review helpful

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        American Guardian Warranty Services Inc. Company Information

        Company Name:
        American Guardian Warranty Services, Inc

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