American Guardian Warranty Services Inc.

American Guardian Warranty Services Inc.

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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
    Claims HandlingRefunds & Payouts

    Reviewed Aug. 28, 2023

    Unable to use warranty as they continually stall & kick back claims. Was a big waste of the 5200 I paid, Cancelled and received a Very small refund for 2 full years left on 5 year contract. Save your money.

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    Customer ServiceClaims Handling

    Reviewed Aug. 15, 2023

    This company does everything possible to not pay claims. They look for loop holes in their contract. Terrible company and worse customer service! RV was down 18 days from the day the claim was started before they requested an inspection. By then my RV was done. No repair facility can keep a 40ft in a shop for 18 days.

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      Customer ServiceClaims HandlingPrice

      Reviewed Aug. 3, 2023

      This company has SO MANY loopholes to get out of paying any claims. We transferred an extended warranty on our motorhome and it's been worthless. They make it IMPOSSIBLE to follow their instructions to get repairs done. They deny receipt of emails from repair techs and wait so long to process that by then, the repairs have been done and they use that to deny your claim. We broke down (turbo died) and HAD to get the repair done. It happened on a weekend and they denied due to lack of prior authorization. Now it's the starter and they're claiming that they didn't receive the repair quote from our mechanic. We have a scheduled trip and need the repair done. They said if we choose to repair without waiting for them (already waited four days), they will deny. They're rude and condescending whenever you call or email. Wish we would have saved the $100 transfer fee.

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      Customer ServiceCoverageTechSales & Marketing

      Reviewed 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.

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      Reviewed 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.

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      Customer ServiceSales & Marketing

      Reviewed 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

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      Customer ServiceClaims Handling

      Reviewed 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.

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      Customer ServiceClaims HandlingTechSales & Marketing

      Reviewed 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.

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      Reviewed 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.

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      Reviewed 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...

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        American Guardian Warranty Services Inc. Company Information

        Company Name:
        American Guardian Warranty Services, Inc

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