American Dream Auto Protect vs. Nova Warranty
Compare coverage, cost and reviews
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|---|---|
4.1
1,027 reviews
|
4.8
113 reviews
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| No. of plans:3 | No. of plans:2 |
| Max mileage130,000 | Max mileage130,000 |
| Max vehicle age10 years | Max vehicle age- |
| Waiting period30 days | Waiting period30 days |
+1 more
American Dream Auto Protect and Nova 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 for its focused coverage. Plans from American Dream are flexible, offering buyers the option of month-to-month contracts. It’s more likely to find a plan that meets your specific needs at American Dream.
Premium plans from Nova Warranty provide more extensive coverage. Nova’s most comprehensive plan includes more components than the highest-tier option at American Dream, making it a better choice for buyers looking for the most protection.
American Dream Auto Protect vs. Nova Warranty coverage
Plans from American Dream Auto Protect and Nova 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.
Nova Warranty coverage
Nova Warranty offers two plans: Nova Powertrain and Nova Superior.
- Nova Powertrain covers essential components, including the engine, transmission, drive axle, electrical systems (like the starter and alternator), cooling systems (like the radiator) and brakes.
- Nova Superior provides more comprehensive coverage. It includes everything in the Powertrain plan plus components like turbos and superchargers, all-wheel or four-wheel drive, suspension systems, steering, air conditioning and heating, fuel systems, anti-lock brakes and high-tech electronics (like factory-installed GPS).
Both plans include roadside assistance, towing, rental car reimbursement and trip interruption coverage.
We’ve broken down what’s covered under each of the companies’ plans below:
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| 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. Nova 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 Nova 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.
Nova Warranty quotes were collected based on its shortest contract period, three years. We received quotes for the Nova Powertrain plan.
| Model and mileage | American Dream Auto Protect | Nova Warranty |
|---|---|---|
| 2013 Ford F-150 (150,000 miles) | $1,428 per year | $850 per year |
| 2014 Honda CRV (135,000 miles) | $1,167 per year | $967 per year |
| 2015 BMW 3 Series (125,000 miles) | $1,069 per year | $1,268 per year |
| 2016 Toyota Camry (110,000 miles) | $933 per year | $1,117 per year |
American Dream Auto Protect vs. Nova 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.
Nova Warranty allows you to cancel your plan at any time. If you cancel within 30 days, you can receive a full refund. After 30 days, you may qualify for a prorated refund based on the time remaining in your contract.
| Benefit | American Dream Auto Protect | Nova Warranty |
|---|---|---|
| Vehicle inspection required | | |
| Contract length | Month to month, 3 years or 5 years | - |
| Quote process | Call | Online or call |
American Dream Auto Protect vs. Nova Warranty additional benefits
In addition to coverage for mechanical failures of your vehicle's parts, American Dream Auto Protect and Nova 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.
Nova Warranty benefits
Nova offers several added benefits with its extended auto warranty plans:
- 24-hour roadside assistance covers services like towing, fuel delivery and more.
- Rental car coverage helps you stay on the road while your vehicle is in the shop.
- Locksmith services assist if you're locked out of your vehicle.
- Out-of-gas assistance offers help if you run out of fuel.
- Dead battery assistance including jump-start services when your battery dies.
- Trip interruption coverage reimburses you for lodging and meals if your vehicle breaks down while traveling.
| Benefit | American Dream Auto Protect | Nova Warranty |
|---|---|---|
| Roadside assistance | | |
| Rental car reimbursement | | |
| Trip interruption | | |
| Transferability | | |
American Dream Auto Protect vs. Nova Warranty reviews
For an honest assessment of customer satisfaction, let's examine what actual policyholders say about American Dream Auto Protect and Nova 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
Nova Warranty reviews
Customers have mixed experiences with Nova Warranty. Positive reviews highlight that the representatives are professional, respectful and helpful in explaining coverage options. Many customers appreciated prompt claims processing and direct payments to repair shops.
“Recently had a repair done on my Range Rover Sport HSE. They paid for it right away with no hassle, all they needed was a diagnostic and invoice from my dealer, they even paid for my rental car although I did have to send the receipt but they reimbursed me which wasn't too big of a deal and they sent it right to my card. Highly satisfied with their service!” — Roger from New Jersey.
Some reviewers expressed significant dissatisfaction, citing poor customer service and unmet expectations.
“Getting in contact with NOVA claims department took way too long, I had to call the original person who signed me up in order to get a call back. After she called I was contacted, very poor instruction on how to submit a claim.” — Diana from California
» SEE FOR YOURSELF: Nova Warranty reviews
Bottom line: American Dream Auto Protect or Nova 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.
Nova is best for drivers seeking reliable coverage for all types of cars, from daily drivers to exotic sports cars.
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.
