American Dream Auto Protect Reviews
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About American Dream Auto Protect
American Dream Auto Protect sells three levels of vehicle service contracts, also called extended auto warranties. These plans are available for both new and used vehicles. You can also customize your policy so you don’t pay for coverage you don’t need. American Dream Auto Protect’s service department is available 24/7 to answer questions and help you find an ASE-certified mechanic near you.
Visit americandreamautoprotect.com- Covers new and preowned vehicles
- Three plan options
- Choose your own ASE-certified mechanic
- 20-year age limit on vehicles
- No online pricing
- Not available in California or Washington
Helpful Reviews
How does American Dream Auto Protect work?
American Dream Auto Protect offers three standard plan options or customized coverage to fit your needs. Its customer service team helps you navigate your options to find a coverage plan that makes sense for you and your vehicle.
Once you’re enrolled, your vehicle is covered against certain breakdowns that result from regular use. If a covered item breaks or malfunctions, American Dream works with the mechanic to ensure your vehicle gets the repairs it needs.
American Dream’s customer service department can connect you to one of the more than 250,000 ASE-certified mechanics working in the U.S. and will pay the mechanic shop directly. You’ll need to pay a deductible, but otherwise the cost of repairing or replacing broken components is covered up to the limit listed in your contract.
American Dream Auto Protect plans and coverage
American Dream Auto Protect offers three standard plan options (Silver, Gold and Platinum) plus the ability to customize coverage to your needs.
| Coverage | Silver | Gold | Platinum |
|---|---|---|---|
| Engine | |||
| Transmission | |||
| Drive axle | |||
| Transfer case | |||
| Seals/gaskets | |||
| Turbocharger/ supercharger | |||
| Heating system | |||
| Cooling system | |||
| Air conditioning | |||
| Brakes | |||
| Suspension | |||
| Steering | |||
| Fuel system | |||
| Electrical components | |||
| GPS | |||
| High-tech components | |||
| Plan name | Silver | Gold | Platinum |
| Availability | Nationwide (not CA) | Nationwide (not CA) | Nationwide (not CA) |
| Waiting period | 30 days | 30 days | 30 days |
| Roadside assistance | |||
| Rental car reimbursement | |||
| Vehicle age limit | 10 years | 10 years | 10 years |
| Maximum mileage | 130,000 | 130,000 | 130,000 |
All plans also include a cancellation option, a monthly payment plan and a money-back guarantee. You also get roadside assistance, towing coverage, rental car benefits and trip interruption coverage up to $150 per day for up to three days when within a defined coverage area.
American Dream Auto Protect coverage limits
American Dream Auto Protect covers vehicles up to 20 years or 200,000 miles. This is 5 to 10 years older than many car warranty providers allow but a similar mileage limit, which makes American Dream a great option if you need coverage for an older vehicle with low mileage.
Maximum payout details can differ depending on the actual contract you sign, so it’s a good idea to read your contract thoroughly and make sure you understand your coverage limits before you sign up.
American Dream Auto Protect cost
American Dream Auto Protect doesn’t publish prices for its auto warranty plans, which is common in the car warranty industry. To find out how much one of its extended auto warranties will cost, you’ll have to call the company or fill out its online form with your vehicle’s make, model, age and mileage for a free quote.
If you submit the form, one of American Dream’s representatives will reach out to you with plan and pricing information. The representative works with you to find coverage that fits your budget. A ConsumerAffairs reviewer from Kansas was happy with the plan American Dream Auto Protect designed to meet his needs. "I would highly recommend them to anybody that’s looking for an affordable option to protect their investment."
If you want a benchmark to compare your quote from American Dream Auto Protect to, the average cost of an extended warranty is around $600 to $1,000 per year.
It’s also worth mentioning that the company offers limited-time discounts and promotions on its website. At the time of publishing, American Dream offers discounts for covering multiple vehicles, plus up to $500 off any new vehicle protection plan.
How to file a claim with American Dream Auto Protect
Follow these steps to file a claim with American Dream Auto Protect.
- Take your vehicle to an ASE-certified mechanic.
- Contact American Dream Auto Protect’s claims department before the mechanic starts working on your vehicle. You’ll need your car’s Vehicle Identification Number, a description of the problem, a cost estimate from the mechanic and your maintenance records.
- The service manager will submit the claim to American Dream to get approved.
- Once the claim is approved, you’ll get a claim number to share with the mechanic, and they can complete the repairs.
- Pay your deductible directly to the mechanic.
- The repair shop will submit an invoice to American Dream, so you don’t need to pay upfront and wait for reimbursement.
American Dream Auto Protect states that most claims are approved within 48 hours. However, some ConsumerAffairs reviewers reported notably longer approval times. One reviewer from Castle Rock, Colorado, warned, “My first claim took a week and me calling and getting mad to get an answer. Good luck!”
Remember that preexisting conditions are excluded from coverage. Your claim will be denied if the issue existed before you signed up for coverage. Carefully review your contract to understand what’s covered to avoid claim disputes, especially if you’re getting coverage for a used car.
American Dream Auto Protect FAQ
What does American Dream Auto Protect cover?
American Dream Auto Protect covers a variety of unexpected mechanical breakdowns, depending on which of its three plans you choose. Its most comprehensive plan (Platinum) covers your vehicle’s:
- Engine
- Transmission
- Cooling system
- Electrical system
- Drive axle
- Brakes
- Fuel delivery system
- Steering
- Navigation system
- Air conditioning
- Seals and gaskets
- Suspension
All plans also include towing, roadside assistance and rental car coverage.
Can I choose my own repair shop with American Dream Auto Protect?
Yes, you can choose your own repair shop with American Dream Auto Protect as long as it employs ASE-certified mechanics. If you don’t have a specific shop in mind, American Dream Auto Protect can direct you to a mechanic. Details may differ depending on your contract, so always read through it thoroughly before scheduling repairs.
Is an American Dream Auto Protect warranty transferable?
Yes, most of American Dream Auto Protect’s contracts are transferable in the event you sell your vehicle to another person. However, it’s worth checking the terms of your contract to be sure before you sign.
What should I do if my claim is denied by American Dream Auto Protect?
If your claim is denied by American Dream Auto Protect, you should:
- Review your contract and the denial letter to see why.
- Collect any records or extra paperwork that could help your case.
- Submit a written appeal, referencing your contract terms.
- If unresolved, ask for a supervisor or, as a last resort, a neutral mediator.
How do you cancel with American Dream Auto Protect?
To cancel your plan with American Dream Auto Protect, follow these steps:
- Review your contract for cancellation terms.
- Gather necessary documents.
- Call American Dream Auto Protect to request cancellation.
- Submit a written cancellation request.
Note that ConsumerAffairs reviewers mention a $75 processing fee and a $250 cancellation fee when canceling a contract.
Still have questions?
Is American Dream Auto Protect worth it?
Yes, American Dream Auto Protect is worth it for many drivers seeking peace of mind and coverage for unexpected repairs. It offers a range of coverage options and some helpful benefits, like towing, 24/7 customer service and the freedom to choose your own certified repair shop. The company doesn’t publish pricing information, but many ConsumerAffairs reviewers felt that the company offers good value, expressing high satisfaction rates with the cost and claims handling.
ConsumerAffairs reviewers also consistently mention a low-pressure, well-explained sign-up process, helpful customer reps and plan flexibility when leaving positive feedback.
One ConsumerAffairs reviewer in Flower Mound, Texas, captured the sentiment well, writing that "the enrollment process was smooth and no hard pressure sales call," and they appreciated learning that the company operates without a middleman.
On the other hand, negative reviews mention misunderstood contract terms, confusion around claim denials, long hold times and difficulty with cancellation.
A ConsumerAffairs reviewer in Arlington, Texas, said, "If you have a higher-end vehicle and try to file a claim, they will either say, ‘This was a pre-existing condition’ or ‘The part that needs the repair is connected to another part that caused the issue, and therefore, your part in need of the repair is not covered under your warranty.’ In 9 months, I filed 4 claims, and all were denied for one of the reasons quoted above, every single time!”
The maximum mileage limit of 200,000 is typical for many warranty providers, so you may want to compare American Dream’s quote and sample contract with two to three other extended warranty companies if you drive often. But with a 20-year age limit, American Dream works particularly well for drivers who have an older car with low mileage.
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Our review standards
- Our moderation team evaluates reviews to make sure they meet our guidelines.
- We require contact information to verify reviews come from real customers.
- Financial relationships do not influence whether we publish a consumer review.
American Dream Auto Protect Company Information
- Company Name:
- American Dream Auto Protect
- Company Type:
- Private
- Year Founded:
- 2008
- Address:
- 300 McGaw Drive, Ste. 200
- City:
- Edison
- State/Province:
- NJ
- Postal Code:
- 08837
- Country:
- United States
- Website:
- americandreamautoprotect.com























