American Dream Auto Protect

American Dream Auto Protect

 4.3/5 (90 reviews)
  • 5 stars
  • 4 stars
  • 3 stars
  • 2 stars
  • 1 stars
American Dream Auto Protect
Author picture
Written by
Edited by

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 (most qualifying vehicles were made in 2000 or later). 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 connect you with its network of ASE-certified mechanics.

Overall Satisfaction Rating

  • 5 stars
  • 4 stars
  • 3 stars
  • 2 stars
  • 1 stars


  • Covers new and pre-owned vehicles
  • Three plan options
  • Network of over 50,000 mechanics
  • Most contracts are transferable


  • No immediate quotes

Bottom Line

American Dream Auto Protect helps you cover the cost of fixing your car after it breaks down. However, upfront details on coverage and pricing are limited, and you’ll have to wait up to 24 hours for a price quote.

What is American Dream Auto Protect?

American Dream Auto Protect is an auto warranty company offering three customizable levels of coverage for new and pre-owned vehicles. In the event of a covered breakdown, American Dream Auto Protect will work directly with a mechanic to ensure your vehicle gets the repairs it needs.

American Dream Auto Protect has a nationwide network of over 50,000 ASE-certified mechanics, and it offers 24/7 customer service.

How does American Dream Auto Protect work?

With American Dream Auto Protect, you have the ability to choose a plan from one of its three standard options or customize coverage to fit your needs. Its customer service team can help you navigate your options to find a plan that makes sense for you and your vehicle.

Once you’re enrolled in coverage, your vehicle is covered against certain breakdowns that result from regular use, based on the coverage you choose. That means, should a covered item break or malfunction, American Dream Auto Protect will pay to repair or replace it, as long as the cost falls within your coverage limit.

Once you call American Dream Auto Protect’s customer service department, they will connect you to one of the over 50,000 ASE-certified mechanics in the company’s network. You’ll need to pay a deductible, but otherwise the cost of repairing or replacing the broken component(s) is covered up to the limit listed in your contract. American Dream Auto Protect works directly with the mechanic shop for payment.

American Dream Auto Protect plans

American Dream Auto Protect offers three standard plan options (Silver, Gold and Platinum), plus the ability to customize coverage to your needs. You can see a breakdown of what each plan covers below.

Drive axle
Fuel delivery
Air conditioning
Seals and gaskets

All plans also include a cancellation option, a monthly payment plan, free towing/rental cars and a money-back guarantee.

How much does American Dream Auto Protect cost?

American Dream Auto Protect doesn’t publish prices for its auto warranty plans, but that’s not uncommon in the industry. To find out how much one of its extended auto warranties will cost you, you’ll have to fill out its online form for a free quote.

This form will require you to provide some personal information as well as your car’s:

  • Make
  • Model
  • Age
  • Mileage

Once you submit this form, one of American Dream Auto Protect’s representatives will reach out to you within 24 hours with pricing information.

It’s also worth mentioning that, at the time of publishing, American Dream Auto Protect offers discounts for covering multiple vehicles, and all plans include a free first month of service.

American Dream Auto Protect FAQ

What is American Dream Auto Protect’s coverage limit?
Extended auto warranty providers generally have two sets of coverage limits — limits defining which vehicles qualify for coverage and limits defining the company’s liability for repairs.

American Dream Auto Protect doesn’t provide specific limits on what sorts of vehicles it will cover, but it does say that most vehicles it covers are from the year 2000 or later. This is a few years older than what many warranty providers allow, so American Dream Auto Protect may be a good option if you’re looking to cover an older vehicle.

We reached out to American Dream Auto Protect for a sample contract, and under the terms of that contract:

  • The maximum payout for a single repair is the current trade-in value of your vehicle.
  • The maximum total payout for all repairs is either what you paid for the vehicle or whatever your vehicle’s trade-in value was at the time you purchased your plan — whichever is lower.

However, these details can differ on the actual contract you sign, so it’s smart to read your contract thoroughly and make sure you understand the limits of your coverage before you sign up.

Can I choose my own repair shop with American Dream Auto Protect?
When you have trouble with your vehicle, American Dream Auto Protect directs you to an ASE-certified mechanic from its network. According to the sample contract we read, you are also free to choose your own mechanic within this network, but this may differ in your contract, so be sure to read it thoroughly before signing.
What does American Dream Auto Protect cover?
American Dream Auto Protect’s most comprehensive plan (Platinum) covers your vehicle’s:
  • Engine
  • Transmission
  • Cooling system
  • Electrical system
  • Drive axle
  • Brakes
  • Fuel delivery system
  • Steering
  • Navigation/GPS
  • Air conditioning
  • Seals and gaskets
  • Suspension

All plans also include towing and rental car coverage.

Is an American Dream Auto Protect warranty transferable?
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.

Is American Dream Auto Protect worth it?

American Dream Auto Protect offers a range of coverage options and some helpful benefits, like towing, 24/7 customer service and a large network of mechanics. However, it doesn’t publish information on pricing or coverage limits on its website, so you have to work with a salesperson to learn those critical details. This can make comparison-shopping between companies more of a headache, but it might be worth it if the terms of your contract and price quote are to your liking.

American Dream Auto Protect Reviews

Top reviews
  • Top reviews
  • Recent
  • Oldest
  • Most helpful
  • Any
  • Rated with 5 stars
  • Rated with 4 stars
  • Rated with 3 stars
  • Rated with 2 stars
  • Rated with 1 star

A link has directed you to this review. Its location on this page may change next time you visit.

How do I know I can trust these reviews about American Dream Auto Protect?
  • 4,212,620 reviews on ConsumerAffairs are verified.
  • We require contact information to ensure our reviewers are real.
  • We use intelligent software that helps us maintain the integrity of reviews.
  • Our moderators read all reviews to verify quality and helpfulness.

For more information about reviews on please visit our FAQ.

Page 1 Reviews 0 - 5
Rated with 4 stars
Verified Reviewer Verified Buyer
Original review: Feb. 23, 2023

I was looking for the best coverage at the best price, and I also was careful about the reviews that I was looking at. It seemed like folks were happy with American Dream, so I talked to them, we negotiated, and they gave me a better deal than what they advertised, so I went for it. The payment was tricky because they wanted a credit card and I try not to use credit cards. I had to break it up between two debit cards. So, that was a bit of a pain, but it worked out.

I did get something in the mail going over the coverage, and there are some things that aren't covered that I didn't realize weren't covered when I talked to them. Part of that is to be expected because it was several pages of information. So, the biggest frustration for me with them is it's gonna be difficult for me to remember all my information. There's no account to log into as far as I know. It's all paper. So if I lose those papers, I would have to try to find their phone number again. There's no log-in information and there's no website that you can log into as far as I know.

My other problem is that it's still unclear, if I end up needing maintenance, there are several mechanics in town who don't do warranty work at all. They said I could send it to any AMA-certified mechanic, but that's not quite true because some of them won't deal with insurance or warranty companies. So, that was a bit of a bummer.

Be the first one to find this review helpful

Not sure how to choose?

Get buying tips about Extended Auto Warranties delivered to your inbox.

    By entering your email, you agree to sign up for consumer news, tips and giveaways from ConsumerAffairs. Unsubscribe at any time.

    Thank you, you have successfully subscribed to our newsletter! Enjoy reading our tips and recommendations.

    Rated with 4 stars
    profile pic of the author
    Verified Reviewer
    Original review: Feb. 17, 2023

    Today, February 16, 2023, I was researching extended auto protection coverage policies, according to Customer Affairs one of the companies listed was Car Shield. After signing up, I received the contracts. Once I reviewed the contracts, I immediately cancelled both contracts, the customer service experience was horrible, Ms. **, if that was her true name was extremely resistance and rude to me during the entire cancelation process. I had to repeat myself five separate times that I wanted to cancel both contract. After going back and forth, ** finally decided to cancel both contracts. What I experienced with Car Shield customer service was shocking and I made the right decision to cancel. Poor customer service, what's happens when you file a claim. According to the Better Business Bureau, Car Shield had a "F" rating and now I know why.

    I contacted American Dream Auto, I spoke with Mr. John**, we discussed their program, the pros and cons, after our conversation, I decided to sign up. This is a con, American Dream wants the customer to pay the entire amount or in four separate installments. Many folks dont have $8,500 immediately available and then if you opt for the four installments, each payment is over $2,200 with taxes each month until paid in full. Pro is that the coverage is for 5 years. Now here is the unknown, John said a lot about their company's program, but the test is when you have to use the repair process. The million dollar question does it meet or expectations described to you by the sales representative, in my case John. I rated my experience as a four because I haven't experienced the company's overall performance.

    Once I have experienced the process of my vehicle needing to be repaired under the contract. I will return and provide an update on the pros & cons on the repair process and if the sales pitch met or exceeded what I was actually told. Overall, John was pleasant, he explained the advantages of his company over their competitors. Yes, a heavy sales pitch and everything is handled within his company, nothing is handled by a third party. For examples, if a company provides extended auto coverage policies, does that company who sells the policy part of the company managing the repair claim, or just the third party selling the policy. According to John, from sales to repairs is managed within the company. I'm always skeptical of companies and individuals, who sale programs, policies, etc. Being honest isn't a trait shared by many in our society. The facts are in the end results, the success repair of my vehicle. More to come. Thanks.

    Be the first one to find this review helpful
    Rated with 4 stars
    Verified Reviewer Verified Buyer
    Original review: Jan. 25, 2023

    There are not a lot of companies that would insure an expensive car like a Bentley. I was running out of time. I put in Google, “Who would ensure an extended warranty on a Bentley," and American Dream Auto Protect came up first. They have nice presentations so I called and got the warranty. The bill comes a month later on my American Express card and it was the same date and the same amount of money, $3,600. I thought there must have been a mistake and they double charged by accident.

    I called American Dream Auto Protect because they had to process the payment as two charges. In the end, they didn't duplicate the charge. The only thing was, the guy I got wasn't very easy to talk to on the follow-up call. When he sold me the policy, he couldn't have been lovelier and more helpful. He was very thorough and he answered all the real pertinent questions without me even asking them. He really gave me the pros of going with that and it was covering everything you get concerned about, so the big ticket items. Also, it was nice that I had his direct line.

    But when I called back, I couldn't get the guy to talk to me on the phone. It was like, “You got my money and now you're running.” I was a little put out. I made the mistake because they split the charge into two payments because they can't charge over $5,000. I was a little miffed that somebody would treat somebody like that after they just spent over $6,000 on an insurance policy on the car. I asked, “Is it five years or a 10-year policy?” It was like pulling teeth to find out anything. That guy needs to work on his follow-up.

    Be the first one to find this review helpful
    Rated with 4 stars
    Verified Reviewer Verified Buyer
    Original review: Nov. 3, 2022

    Setting up my package was a really easy process to go through. The rep guided me through the different plans that they have. I was really impressed with the amount of coverage that we received. I had to use it one time and I was a little nervous because I had reached out to American Dream before I took the vehicle in. I drive a Mercedes and they pick it up for me so it saves the company money on that end. I wanted to make sure that we were going through the right process to get the vehicle evaluated. Once I got to the dealership, they told me what to do as far as having it diagnosed and Mercedes getting in contact with them. But we went several days where we weren't able to get in touch with American Dream either on my end or on Mercedes'.

    When we finally got in touch with them, they didn't want to cover the claim. So, I had to explain that taking a vehicle in to have it diagnosed is like going to the doctor. The dealership is always gonna give everything they think might be wrong with it even though you as a consumer know that's not wrong with your vehicle. Once I explained that to them, they were okay with it and covered everything. After we got over that hurdle, the associate at Mercedes was impressed with American Dream. I definitely recommend them but you have to be your own advocate and sometimes guide employees through understanding the diagnostic test and let them know what happened.

    3 people found this review helpful
    Rated with 4 stars
    Verified Reviewer Verified Buyer
    Original review: Oct. 3, 2022

    I was working with this guy from American Dream Auto Protect and we were going through the numbers. There was always that little bargaining like, “I can't do this.” “So what can you do?” I thought we had come to an equal knowing about how it would go. I gave him my information for the premium and the monthly. And I told him, when he called back, to double. He said he had to check with whoever was over him, to see if it was okay. He never got back to me on that. And next thing I knew, the amount had been debited from my account. So, I wasn't pleased about that. The product is good. I just didn't like the kind of salesmanship. It was shady. He went about his business. I don't like people going to my account taking stuff out without me knowing. And I'm sure anybody would feel the same way. But I needed the warranty for my car, and I let him know.

    I emailed him, he texted me back. And let him know, “I see you went into my account and took out this money. I was waiting for you to get back to me on whether your boss was gonna approve it or not.” We hadn’t agreed on it, but it's there now. I wanted the electrical, the dash, all of that stuff. I got everything. I know anything can go wrong. And if the one thing that you don't get covered, that is what is gonna go bad.

    Be the first one to find this review helpful
    Rated with 5 stars
    Verified Reviewer
    Original review: March 13, 2023

    Called in to get recently purchased 2018 Subaru Impreza premium hatchback covered. Clear and easy to work with. Helped us find a good deal and find us peace of mind with the 30-day guarantee on the policy.

    Be the first one to find this review helpful
    Rated with 2 stars
    Verified Reviewer Verified Buyer
    Original review: March 9, 2023

    American Dream would do the most and they were the most reasonable in price. The rep kept working back and forth and gave us a little longer extended coverage. I've taken the Range Rover for one repair and they tried not to pay. They said the issue was existing when it was something that had been fixed three months later. After I got it towed in, they did a diagnostic on it and then they said, "This is what was wrong with it." It was like 2,700 bucks, and they gave me $650 as a courtesy.

    Be the first one to find this review helpful
    Rated with 5 stars
    Verified Reviewer Verified Buyer
    Original review: March 6, 2023

    American Dream Auto had a fair amount of options at a fair price. The price was in the same approximate area as what I had except it was better coverage. It was good enough for me to switch. The rep was very nice and the phone call that I had was good.

    Be the first one to find this review helpful
    Rated with 5 stars
    Verified Reviewer Verified Buyer
    Original review: March 4, 2023

    The rep I worked with was very informational. He went over all the best options that I could possibly get into, because it was an issue with me doing the down payment. He came up with a payment plan that I was able to get into so that I could have my car covered.

    Be the first one to find this review helpful
    Rated with 5 stars
    Verified Reviewer
    Original review: March 1, 2023

    Price was better than auto dealer. The salesman was very helpful and friendly and would recommend the company to friends and neighbors. I was more than pleased with the service and the prices I received today. Thanks.

    Be the first one to find this review helpful
    Loading more reviews...

    American Dream Auto Protect Company Information

    Company Name:
    American Dream Auto Protect
    Year Founded: