American Dream Auto Protect vs. Premier Auto Protect
Compare coverage, cost and reviews
 |  |
|---|---|
4.1
1,027 reviews
|
4.8
167 reviews
|
| No. of plans:3 | No. of plans:4 |
| Max mileage130,000 | Max mileage200,000 |
| Max vehicle age10 years | Max vehicle age- |
| Waiting period30 days | Waiting period30 days |
+1 more
American Dream Auto Protect and Premier 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 is our recommendation for focused coverage. Plans from American Dream offer a high level of flexibility, making it easier to find protection that suits your specific needs. The company also provides coverage for vehicles with higher mileage than Premier Auto Protect, making it a better option for drivers with odometer readings that exceed Premier’s limits.
Premier Auto Protect works best for buyers who want the lowest premiums. The company’s pricing is generally lower for most vehicles, although insuring luxury cars can be slightly more expensive with Premier than with American Dream.
American Dream Auto Protect vs. Premier Auto Protect coverage
Plans from American Dream Auto Protect and Premier 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.
Premier Auto Protect coverage
Premier Auto Protect offers four main levels of coverage:
- Premier Basic covers your vehicle’s engine, transmission, drive axle(s), all-wheel-drive/four-wheel-drive systems, cooling system and brakes.
- Premier Value combines everything in the basic plan with added protection for steering (manual/power), turbo/supercharger, air conditioning, fuel system, seals and gaskets, and electrical components.
- Premier Complete builds on the Value plan by including coverage for anti-lock brakes (ABS), heating, high-tech electronics, front/rear suspension and hybrid vehicles.
- Exclusionary adds coverage for your key fob. While specific details of this plan are unavailable online, it’s Premier Auto Protect’s most comprehensive plan.
Premier Auto Protect offers two additional plans with slightly different coverage:
- Premier Powertrain Enhanced is a powertrain warranty (engine, transmission, axles and differential) that also includes coverage for cooling, dead battery, running out of gas, parts and labor, towing, locksmith, 24/7 roadside assistance, turbo/supercharger, air conditioning, fuel system, seals and gaskets, electrical, heating, high-tech electronics and hybrid vehicles.
- Premier Repair Assist expands the Premier Powertrain Enhanced plan to cover ABS, heating, front/rear suspension and trip interruption.
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. Premier 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 Premier 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.
Note that some Premier Auto Protect plans are cheaper with higher coverage than basic powertrain coverage. Be sure to speak with a representative and be aware of all your options.
| Model and mileage | American Dream Auto Protect | Premier Auto Protect |
|---|---|---|
| 2013 Ford F-150 (150,000 miles) | $1,428 per year | $996 per year |
| 2014 Honda CRV (135,000 miles) | $1,167 per year | $985 per year |
| 2015 BMW 3 Series (125,000 miles) | $1,069 per year | $1,733 per year |
| 2016 Toyota Camry (110,000 miles) | $933 per year | $924 per year |
American Dream Auto Protect vs. Premier 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.
Premier Auto Protect covers vehicles up to 8 years old with up to 100,000 miles under its Exclusionary plan. It also has plans for vehicles with over 200,000 miles.
Premier Auto Protect offers a 30-day money-back guarantee and a prorated refund for those who cancel after this period. Contracts are transferable and allow you to choose any dealer or mechanic (as long as they’re ASE-certified).
| Benefit | American Dream Auto Protect | Premier 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. Premier Auto Protect additional benefits
In addition to coverage for mechanical failures of your vehicle's parts, American Dream Auto Protect and Premier 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.
Premier Auto Protect benefits
Premier Auto Protect also offers protection plans for power sports (ATVs, UTVs, scooters, personal watercraft and motorcycles) and homes.
Limits on roadside assistance, trip interruption coverage and rental car reimbursement depend on your policy level.
| Benefit | American Dream Auto Protect | Premier Auto Protect |
|---|---|---|
| Roadside assistance | | |
| Rental car reimbursement | | |
| Trip interruption | | |
| Transferability | | |
American Dream Auto Protect vs. Premier Auto Protect reviews
For an honest assessment of customer satisfaction, let's examine what actual policyholders say about American Dream Auto Protect and Premier 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
Premier Auto Protect reviews
Most of Premier Auto Protect’s positive reviews focus on great customer service, ease of sign-up, peace of mind, a good variety of coverage options and fast claims handling.
“Premier Auto is the BEST auto protection company out there. When I had a issue with my focus and needed it fixed they were there and covered it totally.” — Crystal from Virginia
“Stan was very helpful as we worked out the very best policy for me. I have talked to two other companies and Premier Auto Protection had the best coverage for the price. What also was impressive is their Better Business rating.” — Ella from Kansas
However, some reviewers express disappointment at dealing with poor follow-up, delayed service or claims, and unclear plan terms that led to additional fees or denied claims.
"Premier Auto Protect has denied the claim stating they were worn over time. How would I/they know if nothing before that day indicated a problem? So if it just suddenly goes out, but it’s been used, EVEN NORMALLY, they aren’t going to cover it." — Donna from Texas
» SEE FOR YOURSELF: Premier Auto Protect reviews
Bottom line: American Dream Auto Protect or Premier 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.
Premier Auto Protect is best for customers who want flexible coverage options and robust sales support.
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.
