American Dream Auto Protect vs. Concord Auto Protect
Compare coverage, cost and reviews
 |  |
|---|---|
4.1
1,028 reviews
|
2.1
1,202 reviews
|
| No. of plans:3 | No. of plans:3 |
| Max mileage130,000 | Max mileage120,000 |
| Max vehicle age10 years | Max vehicle age- |
| Waiting period30 days | Waiting period30 days |
+1 more
American Dream Auto Protect and Concord Auto Protect 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.
American Dream Auto Protect offers lower pricing upfront compared to Concord Auto Protect. Premiums for both basic and comprehensive plans cost less with American Dream, making it a better choice for those who want to minimize their annual costs.
Concord Auto Protect is our recommendation for buyers seeking the most comprehensive coverage. The company includes a handful of components not covered even in the higher-tiered plans from American Dream. You’ll pay more upfront with Concord, but you’ll have fewer unexpected expenses if repairs are needed.
American Dream Auto Protect vs. Concord Auto Protect coverage
Plans from American Dream Auto Protect and Concord Auto Protect 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.
Concord Auto Protect coverage
Concord Auto Protect offers three extended auto warranty plans: Powertrain, Advanced and Premium.
- Powertrain covers six items including the engine, transmission, drive axle(s), electrical system, cooling system and brakes.
- Advanced expands the Powertrain coverage to include all-wheel-drive/four-wheel-drive components and steering components.
- Premium, the most comprehensive plan, protects everything in the first two plans and adds coverage for heating and air conditioning components, fuel system, anti-lock brake system (ABS), high-tech electronics, turbo/supercharger and front/rear suspension.
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. Concord Auto Protect 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 Concord Auto Protect. 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.
| Model and mileage | American Dream Auto Protect | Concord Auto Protect |
|---|---|---|
| 2013 Ford F-150 (150,000 miles) | $1,428 per year | $1,311 per year |
| 2014 Honda CRV (135,000 miles) | $1,167 per year | $1,285 per year |
| 2015 BMW 3 Series (125,000 miles) | $1,069 per year | $2,129 per year |
| 2016 Toyota Camry (110,000 miles) | $933 per year | $1,151 per year |
American Dream Auto Protect vs. Concord Auto Protect 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.
Concord Auto Protect is available nationwide and provides a 30-day money-back guarantee to all customers (provided no claims have been made during that time). Customers can choose any ASE-certified mechanic, as well. All Concord plans have a waiting period of 30 days.
| Benefit | American Dream Auto Protect | Concord Auto Protect |
|---|---|---|
| Vehicle inspection required | | |
| Contract length | Month to month, 3 years or 5 years | Month to month |
| Quote process | Call | Online |
American Dream Auto Protect vs. Concord Auto Protect additional benefits
In addition to coverage for mechanical failures of your vehicle's parts, American Dream Auto Protect and Concord Auto Protect 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.
All Concord Auto Protect plans include 24/7 roadside assistance (up to $120 per occurrence), trip interruption insurance (up to $50 per day for up to three days when more than 100 miles away from home), dead battery service, towing, locksmith service and rental care reimbursement (up to $225 and a maximum of three days). Plans are transferable and typically last three to five years.
| Benefit | American Dream Auto Protect | Concord Auto Protect |
|---|---|---|
| Roadside assistance | | |
| Rental car reimbursement | | |
| Trip interruption | | |
| Transferability | | |
American Dream Auto Protect vs. Concord Auto Protect reviews
For an honest assessment of customer satisfaction, let's examine what actual policyholders say about American Dream Auto Protect and Concord Auto Protect.
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
Concord Auto Protect reviews
Some Concord Auto Protect reviews reported excellent customer service, a smooth purchasing process and competitive pricing. Some highly recommended the product.
“Two claims have been approved by the staff at Concord Auto Protect. The process was easy and they paid for the repairs in full. I can not complain about anything because they did their job. I would easily recommend them to others that are looking for a car warranty company to use that is priced fair.” — Dylan from New York
Other reviewers complain about delayed claims processing, unresponsive communication and denials for covered repairs.
“My vehicle has been in the shop for 53 days since the initial claim process began and like many others I call nearly every day and email every day and get nowhere.” — Keith from Michigan
» SEE FOR YOURSELF: Concord Auto Protect reviews
Bottom line: American Dream Auto Protect or Concord Auto Protect?
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.
Concord Auto Protect is best for car owners seeking longer policy terms and broad availability of repair facilities.
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.
