American Dream Auto Protect vs. Assurant
Compare coverage, cost and reviews
 |  |
|---|---|
4.1
1,029 reviews
|
3.5
678 reviews
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| No. of plans:3 | No. of plans:4 |
| Max mileage130,000 | Max mileage200,000 |
| Max vehicle age10 years | Max vehicle age12 years |
| Waiting period30 days | Waiting period30 days |
+1 more
American Dream Auto Protect and Assurant Extended Warranty both offer extended car warranties that protect you financially after your manufacturer’s warranty expires.
While they offer similar services, there are some differences between the coverage they offer, the cost of their plans and the additional benefits you get. We’ve analyzed both companies to help you decide which is the right fit.
We recommend American Dream Auto Protect to buyers who value transparency. The company offers more upfront pricing and a simpler enrollment process, with no vehicle inspection required. Customers who appreciate convenience and straightforward communication will like the onboarding process at American Dream better.
Assurant is a better option if you’re looking for coverage for an older car. The company offers both mileage and age limits that are higher than those from American Dream, which means, depending on the age of your vehicle and how much you drive, Assurant might be your only option.
American Dream Auto Protect vs. Assurant Extended Warranty coverage
Plans from American Dream Auto Protect and Assurant Extended Warranty offer varying levels of coverage for your vehicle's parts and systems.
American Dream Auto Protect coverage
American Dream Auto Protect offers three plans. You can fill out an online form to get a quote for your vehicle, but you’ll have to provide your contact information and wait for the company to contact you with your pricing details. You can also call directly to get a quote. Here are more details about each of its plans:
- Silver provides essential powertrain coverage only.
- Gold offers comprehensive coverage for your vehicle’s major powertrain systems.
- Platinum covers all powertrain and electrical systems.
Assurant Extended Warranty coverage
Assurant offers four plans:
- Powertrain covers the basics, including the engine, transmission, all-wheel/four-wheel drive, forced induction, gaskets, seals and hybrid components.
- Base adds coverage for electrical systems, steering, brakes and suspension to the Powertrain plan.
- High-Tech matches the Base plan's coverage with a focus on additional systems like electrical systems, steering, brakes and suspension.
- Comprehensive provides the most coverage, including all components in the three other plans plus safety systems and electronics/technology.
We’ve broken down what’s covered under each of the companies’ plans below:
 |  | |
| Coverage | | |
|---|---|---|
| Plan | ||
| Engine | | |
| Transmission | | |
| Drive axle | | |
| Transfer case | | |
| Seals and gaskets | | |
| Turbocharger/supercharger | | |
| Heating system | | |
| Cooling system | | |
| Air conditioning | | |
| Brakes | | |
| Suspension | | |
| Steering | | |
| Fuel system | | |
| Electrical components | | |
| Navigation/GPS | | |
| High-tech components | | |
» LEARN MORE: What does a car warranty cover?
American Dream Auto Protect vs. Assurant Extended Warranty cost
The cost of an extended auto warranty can vary significantly based on several key factors. Vehicle age and mileage are typically the most influential factors — newer cars with lower mileage generally cost less to cover than older vehicles with high mileage. The make and model of your vehicle also impact pricing, with luxury and high-performance vehicles usually commanding higher premiums due to more expensive repair costs.
Additionally, plans with comprehensive coverage cost more than basic powertrain protection. Plans may also be more expensive depending on where you live.
We gathered quotes for different vehicles with varying mileage to give you an idea of how prices compare between American Dream Auto Protect and Assurant Extended Warranty. The prices below are for each company's lowest-tier plan unless otherwise noted. Keep in mind that coverage for these plans varies, so it’s not an exact apples-to-apples comparison of value.
For American Dream Auto Protect, we got quotes for a Ford F-150 and a Honda CRV with only 120,000 miles, since the company does not cover vehicles that have more than 130,000 miles.
You can only purchase an extended auto warranty with Assurant through your vehicle’s dealership. Contact your dealer to see if coverage with Assurant is available and how much it costs.
| Model and mileage | American Dream Auto Protect | Assurant Extended Warranty |
|---|---|---|
| 2013 Ford F-150 (150,000 miles) | $1,428 per year | - per year |
| 2014 Honda CRV (135,000 miles) | $1,167 per year | - per year |
| 2015 BMW 3 Series (125,000 miles) | $1,069 per year | - per year |
| 2016 Toyota Camry (110,000 miles) | $933 per year | - per year |
American Dream Auto Protect vs. Assurant Extended Warranty policies
American Dream Auto Protect only offers a deductible of $125. We couldn’t find any stipulations for varying deductibles on different makes of cars. The company also has a $20 activation fee (one-time payment) when setting up a new policy. You can get a multiple-vehicle discount if you sign up for coverage on two or more vehicles at the same time.
Assurant plans don’t have limits to the number of visits or repairs you can schedule per year. However, payout limits and deductibles vary by plan. All Assurant plans have a waiting period of 30 days and are fully transferable (for an additional fee).
| Benefit | American Dream Auto Protect | Assurant Extended Warranty |
|---|---|---|
| Vehicle inspection required | | |
| Contract length | Month to month, 3 years or 5 years | - |
| Quote process | Call | Call |
American Dream Auto Protect vs. Assurant Extended Warranty additional benefits
In addition to coverage for mechanical failures of your vehicle's parts, American Dream Auto Protect and Assurant Extended Warranty offer a few other benefits.
American Dream Auto Protect benefits
American Dream Auto Protect offers Elite Benefits as an exclusive package. It includes:
- Key fob replacement coverage for lost or damaged key fobs
- Tire repair and replacement services
- Collision repair discounts
- Total loss replacement assistance
Rental car reimbursement is limited to $30 per day or $150 maximum per repair. Trip interruption coverage provides up to $150 per day for up to three days when within 100 miles of your registered address.
Assurant Extended Warranty benefits
All Assurant plans come with roadside assistance (up to $125 per occurrence for flat tire, towing, fuel delivery, lockout and more), rental car reimbursement ($40 for a maximum of one day) and trip interruption benefits (up to $200 while 100 miles or more from home).
If your vehicle is still covered by a manufacturer’s warranty, Assurant also offers “manufacturer’s deductible reimbursement.” This benefit covers the difference if the manufacturer’s warranty doesn’t fully cover repairs.
| Benefit | American Dream Auto Protect | Assurant Extended Warranty |
|---|---|---|
| Roadside assistance | | |
| Rental car reimbursement | | |
| Trip interruption | | |
| Transferability | | |
American Dream Auto Protect vs. Assurant Extended Warranty reviews
For an honest assessment of customer satisfaction, let's examine what actual policyholders say about American Dream Auto Protect and Assurant Extended Warranty.
American Dream Auto Protect reviews
Customers have generally had positive experiences with American Dream Auto Protect. Some mention that the signup process was easy and that they appreciated the thoroughness of the coverage.
- “Filing a claim was much simpler than I thought it would. The radio needed to be replaced on my car. American Dream ended up replacing that and covering it. A wiring harness needed to be replaced as well. They covered that and the car rental.” — Roland from Georgia
- “I took my car for brakes and it was the easiest claim to ever submit. I picked where I wanted to take my car and took it over there. I gave them the information and they were the ones that submitted my claim to American Dream. Then they called me up and told me it was approved. It was really fast.” — Rosenda from Colorado
However, there were a few complaints about claim rejections and delays in receiving reimbursement.
- “When I used the warranty, American Dream covered majority of the cost of the repair, about 70% of it, but the rest came from my pocket. They were also supposed to give me back a refund for the rental but I never received it.” — Denis from Massachusetts
» SEE FOR YOURSELF: American Dream Auto Protect reviews
Assurant Extended Warranty reviews
Reviews for Assurant are mixed. Most positive reviews cite efficient customer service, easy claims handling and timely responses.
"I called Assurant, and the very nice person that I talked to knew English perfectly and was easy to communicate with. She told me I could have the transmission fixed anywhere I trusted and felt confident. The shop simply had to communicate to Assurant when the diagnosis was complete. In the end, my truck is fixed, Assurant covered 100% for the repair, and the entire process was actually easy and peaceful for me. I had a great deal of stress and tension over everything, and as it turns out, it was one of the easiest things I've done." — Carl from New York
“Vehicle was taken in the morning with the complaint and claim was process in a very timely manner, same day. Paid my deductible and the rest the representative took care with the warranty. I was able to pick up my vehicle the very same day. Very satisfied with their response.” — Blanca from California
Assurant’s negative customer reviews mention slow claims processing, unclear denial reasons and poor communication.
“600 of my 2100 dollar claim was paid. The rest was denied ... I requested the inspection report that was used to determine the denial and was told they don't have it.” — Brian from California
» SEE FOR YOURSELF: Assurant Extended Warranty reviews
Bottom line: American Dream Auto Protect or Assurant Extended Warranty?
All things considered, what kind of driver is each provider best for?
American Dream Auto Protect is best for drivers who prioritize strong customer service and a seamless claims experience.
Assurant is best for customers looking to get an extended auto warranty through a dealership when they make their vehicle purchase.
If neither sounds like a good fit, or if you’d simply like to see more top-rated providers, check out our other picks for the best extended car warranty companies.
