Protection Direct Reviews

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About Protection Direct

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Protection Direct offers vehicle service contracts (VSCs) nationwide, with special coverage options in California. The company lets you choose your own ASE-certified mechanic and offers perks such as roadside assistance and rental car coverage.

Helpful Reviews

Lonoke, AR
Verified purchase
… The salesman that answered the phone was very professional and pleasant. He was not pushy by any means. He gave me all the available plans and prices. He helped me determine whi...

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Dupo, IL
Verified purchase
I have been a customer for many years and have always had a great experience with this company! They gave me a great deal that fits my budget and it gives me the peace of mind I n...

Read more

What is Protection Direct?

Protection Direct sells vehicle service contracts (VSCs), paid plans that cover specific repair costs after your original manufacturer's warranty has expired. These plans are sometimes called "extended warranties," but they are legally distinct contracts.

The company focuses on providing a safety net for major mechanical failures. Protection Direct contracts also include some secondary perks, including 24/7 roadside assistance, rental vehicle coverage and towing benefits.

How does Protection Direct work?

The process for using a Protection Direct contract is designed to be straightforward for you and the mechanic. If your vehicle has a mechanical breakdown, you can take it to any shop that employs Automotive Service Excellence (ASE) certified mechanics.

Once you show the shop your Protection Direct ID card, the mechanic contacts the company's administrator for repair authorization. After the claim is approved, Protection Direct pays the shop directly for the covered costs. You’re only responsible for paying your deductible.

Protection Direct coverage options

Protection Direct’s plans center around three main tiers of coverage based on your vehicle's mileage. The company’s nationwide service plans are:

  • EZ Guard (1 to 100,000 miles): This is the most comprehensive plan, similar to a manufacturer’s new car warranty. It covers major systems like the engine, transmission, AC, electrical, fuel, brakes and steering.
  • EZ Elite (100,000 to 150,000 miles): An all-inclusive option for mid-life vehicles. It protects critical components like the engine, transmission, AC, electrical system, starter and fuel pump.
  • EZ Select (150,000+ miles): Specifically for high-mileage vehicles, this plan focuses on the powertrain to keep older cars on the road. It covers the engine, transmission and transfer case.

Regardless of which tier you choose, all Protection Direct plans also include the following complimentary services:

  • 24/7 roadside assistance: Help with jump-starts, flat tires and lockouts.
  • Towing services: Transportation to the nearest qualified repair facility.
  • Rental car coverage: Reimbursement for a rental vehicle while yours is being repaired.
  • Money-back guarantee: Most policies offer a full refund if canceled within the first 30 to 60 days.

Protection Direct costs

Protection Direct offers a flat-rate monthly fee of $89 for each of its three standard plan tiers. These plans cover the costs of covered components to help you avoid sudden surprise repair expenses. Each plan type requires a deductible. The company doesn’t list any other costs on its website.

FAQ

Does Protection Direct cover used vehicles?

Yes, the company says used or pre-owned vehicles can qualify for coverage, and it has plan tiers suited to high-mileage vehicles.

Are Protection Direct contracts transferable?

Yes, Protection Direct’s auto contracts are transferable if you sell your vehicle.

Is there a deductible for Protection Direct warranties?

Protection Direct plans typically have a per-visit deductible, but specific charges depend on your contract terms.

Can I pick my own mechanic with Protection Direct?

Yes, Protection Direct lets you choose your own ASE-certified mechanic.

Still have questions?

Is Protection Direct worth it?

Protection Direct may appeal to drivers who want monthly pricing, transferable coverage and the option to choose an ASE-certified repair facility. It also provides complimentary roadside assistance and rental vehicle coverage while your car’s in the shop. Some customer reviews, however, report high-pressure sales tactics.

Ultimately, the value of any service contract depends on your vehicle, mileage, coverage needs and whether the included benefits match how you plan to use the vehicle. You should look into multiple companies before choosing a VSC provider.

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Protection Direct Reviews

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    Page 1 Reviews 0 - 10
    Customer ServicePriceStaff

    Reviewed Aug. 18, 2025

    I take care of both parents with dementia, I have told this company repeatedly over time to stop sending marketing or phishing letters due to what it does to my parent's mental health, called them today and Brittany got feisty and hung up on me. The letter I was calling about was issued to my father but she was talking about my mother which supposedly was taken off the marketing list but it wasn't. These companies prey on the older generations lack of understanding to make money, while I understand it's on the Marketing dept that send out the letters I do not understand why the FTC doesn't put limitations on what they can do as they never pay what they are supposed to, they hire industry folks that can be 2 + hours away and charge you the fee depending on your area.

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    Customer ServiceTechSales & Marketing

    Reviewed May 29, 2025

    So my two year old has been receiving these lettters in the mail: service response requested. “Our records indicate you have not contacted us regarding the vehicle service contract on your vehicle”. I called them today asking about it, and they said it’s an advertisement. Quite manipulative, for an advertisement. This is not how you gain authentic customers. Scaring people into plans.

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      Customer ServiceTechPriceMaintenance

      Reviewed Sept. 7, 2023

      I wanted to cancel my contract but they said try a month for free. Not taking no for an answer, I said ok. Following month I called to cancel again. The guy at customer service said, "If your car breaks down it will cost $1500." I said fine, l’ll walk to work, he said, "What if it snows or rains, really?" "l’ve walked in snow before, I would still like to cancel." He said, "Fine. You’re canceled." I said, "Can I have a confirmation number?" He said “I literally said you were canceled “. So I literally called the company, they gave me customer service again, so I literally sent them an email asking for confirmation. Probably will not receive anything. My only advice is to research before agreeing to any warranty.

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      Customer ServiceCoverageTechPricePunctuality & SpeedRefunds & PayoutsStaffRatesRental Car

      Reviewed Oct. 13, 2020

      I received a reminder card in the mail about my car. I bought my car from a new car dealer but it was a used car. Bought it Feb. 2020 and it is a 2017. The dealership gave me a total loss protection addendum and mechanical failure service contract which is for a 4 year term with a $250.00 deductible. When I got the card and realized what it was for, I called the number on the back. The salesman that answered the phone was very professional and pleasant. He was not pushy by any means. He gave me all the available plans and prices. He helped me determine which would be the best bang for my dollars. He explained in detail what all it would cover and was very patient with all my questions.

      I pay for 2 years and the warranty is for 5 years as long as I own the vehicle. I have roadside assistance and rental car also. It was part of the contract with no additional cost to me. It has only a $100.00 deductible. The cost was very affordable and fit right into my budget. It was a great experience. The wait period is very understandable also. 30 days and 1,000 miles from date of purchase. I am so very satisfied with this extended warranty company so far anyways.

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      Reviewed Sept. 11, 2020

      I have been a customer for many years and have always had a great experience with this company! They gave me a great deal that fits my budget and it gives me the peace of mind I need when I take my car in for repairs big or small.

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      PriceRefunds & Payouts

      Reviewed Dec. 12, 2017

      I purchased the contract from Service Protection Direct in June of 2016. One of the terms of said contract was there was a waiting period of thirty days plus 1,000 miles. November 2017 I had engine trouble. I took the truck in to the dealership to be diagnosed for a knocking noise. The company wouldn't authorize the engine teardown, I had to agree to be responsible for the cost. They would reimburse me if they approved the repairs. They decided not to repair the vehicle. Said it was from a pre-existing condition. There was NO WAY I could have driven the truck for 1 year and 5 months and eleven hundred + miles without it seizing up long before now. Service Protection Direct also known as Marathon Group is King of the Rip-off artist.

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      Customer Service

      Reviewed Nov. 7, 2017

      This company does not know what they are doing. I signed up for it and gave them my address. Well when they put the address in the system they used my wife and my name as the street address. When I went to cancel the service they kept saying they couldn't until I received the contract packet. I never received it and had enough of it and told them they need to cancel it right now. The guy would not shut up about the reason why I was cancelling it and I sat on the phone with him for a good 30 mins before he would cancel it. He rudely hung up on me after it was cancel. He said, "You happy now? It's cancelled" and hung up. I called back and filed a complaint about him but doubt anything will happen. This company just sucks. Do not I repeat do not go with them.

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      Verified purchase
      Claims HandlingCoverageTechPrice

      Reviewed July 30, 2017

      Do not purchase warranty! They refused to cover what was a definitive issue that a certified GMC dealer stated any other warranty insurance company would have no problem covering. That this company was the rudest the worst company they have ever dealt with. It took over a month for them to even look at the vehicle. The added expense of a rental car cost is 1,000$. They are being investigated by the California Gov. For it appears fraudulent handling of warranty claims.

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      Customer ServiceClaims HandlingCoverage

      Reviewed Nov. 19, 2016

      Hi, I just wanted to write about this company Service Protection Direct; Jessica **, Chad ** and Laura **, the 3 officers that rip off people for this company and they never respond back as soon as they create the policy, Carlos and Andrew are the claim representative. God Knows if these names are real or not. They do not cover anything. People please Do not buy their services. These people are Bunch of liars, Scammers, very rude and I hope they won't do it to their own family or friends. But I believe in Karma... I am very disappointed and dissatisfied.

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      Verified purchase
      Customer ServiceRefunds & Payouts

      Reviewed Nov. 18, 2016

      This company sold my elderly mother, who has dementia and is on a fixed income, an expensive extended warranty. My mother has not had a driver's license for years and her car is in storage. When I called to cancel and request a refund, they questioned if my mother actually had dementia, were rude and aggressive. Beware of this company. Scam. Beware. I am pursuing legal action, reporting to Adult Protective Services, as well as, to Better Business Bureau.

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        Protection Direct Company Information

        Company Name:
        Protection Direct
        Formerly Named:
        Service Protection Direct
        Website:
        www.protectiondirect.com