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American Dream Auto Protect Reviews

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Edited by: Morgan Cutolo

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 connect you with its network of ASE-certified mechanics.

Visit americandreamautoprotect.com
Pros
  • Covers new and preowned vehicles
  • Three plan options
  • Network of over 50,000 mechanics
  • 20-year age limit on vehicles
Cons
  • No online pricing
  • Not available in California or Washington

Helpful Reviews

New York, NY
Verified purchase
Customer service representatives were all polite and patient and worked hard to get me best price although still higher than similar warranty companies! I’m hoping all info I rece...

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Jupiter, FL
Verified purchase
They provided a comprehensive and reliable service that enhanced my peace of mind as a vehicle owner. The process of selecting and purchasing the extended coverage was straightfor...

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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 in coverage, your vehicle is covered against certain breakdowns that result from regular use. That means, should a covered item break or malfunction, American Dream will work directly with a mechanic to ensure your vehicle gets the repairs it needs and pay to repair or replace it, as long as the cost falls within your coverage limit.

Once you call American Dream’s customer service department, they will connect you to one of the over 50,000 ASE-certified mechanics in the company’s network. American Dream works directly with the mechanic shop for payment. You’ll need to pay a deductible of $100, 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.

All plans also include a cancellation option, a monthly payment plan, free towing, rental cars and roadside assistance and a money-back guarantee. Trip interruption coverage is also included up to $150 per day for up to three days when within 100 miles of your registered address.

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 what 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.

According to the sample contract provided by American Dream:

  • 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 coverage plan — whichever is lower.

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

American Dream Auto Protect cost

American Dream Auto Protect doesn’t publish prices for its auto warranty plans, which isn’t uncommon in the car warranty industry. To find out how much one of its extended auto warranties will cost, you’ll have to fill out its online form with your vehicle’s make, model, age and mileage for a free quote.

Once you submit this form, one of American Dream’s representatives will reach out to you within 24 hours with pricing information. The representative will work with you to find a plan 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 $1,000 per year of coverage.

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.

  1. Take your vehicle to an in-network ASE-certified mechanic.

  2. Give the mechanic a copy of your American Dream Auto Protect contract or contract number before they start working on your vehicle.

  3. The service manager will call American Dream to get the claim approved.

  4. Complete the repairs.

  5. Pay your deductible directly to the mechanic.

  6. Submit repair orders and documentation to American Dream within 30 days to be eligible for payment.

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’s 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’s in its network of 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:

  1. Review your contract and the denial letter to see why.
  2. Collect any records or extra paperwork that could help your case.
  3. Submit a written appeal, referencing your contract terms.
  4. 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:

  1. Review your contract for cancellation terms.
  2. Gather necessary documents.
  3. Call American Dream Auto Protect to request cancellation.
  4. 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. It offers a range of coverage options and some helpful benefits, like towing, 24/7 customer service and a large network of mechanics. It doesn’t publish information on pricing, but 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 Brooklyn, New York, who purchased an exclusionary platinum plan, described the company shifting its denial rationale mid-process: "The company initially denied my claim stating that solenoids are not covered unless specifically listed. This contradicts the exclusionary nature of the contract. After I challenged this, the company changed its reasoning and now claims the failure is pre-existing."

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.

American Dream Auto Protect Reviews

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    Page 1 Reviews 0 - 35
    Profile pic of the author.
    Customer ServiceTechSales & MarketingPriceMaintenanceStaffRates

    Reviewed Sept. 21, 2026

    I was called back from Marlon ** about an inquiry for a warranty contract. I had just purchased a 2019 Subaru Ascent from a Preowned dealer and I got a warranty for it with the purchase and it was a total of 4880, added to my sales price. I want mention the name but soon my research, I found the company was being sued and my deductible was 500. I canceled it and was inquiring for a separate contract and I looked into several. I was given quotes and the one for American Dream was the best and I was given a nice discount for military and senior. I also got a service contract for routine maintenance. Mr ** was very knowledgeable and helpful in explaining all components of the contract. I am very satisfied with my contract and you want go wrong with American Dream.

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      Verified purchase
      Customer ServiceSales & MarketingPricePunctuality & SpeedStaff

      Reviewed Aug. 17, 2026

      I had a great experience with American Dream Warranty. The process of getting a quote was incredibly fast and easy, which I really appreciated. Everything was straightforward, and I never felt like I was being pressured or rushed into making a decision. Giovanni was a pleasure to work with. He was friendly, patient, knowledgeable, and very informative throughout the entire process. He took the time to answer my questions and explain everything clearly, which made the experience feel easy and comfortable. I especially appreciated that he never made me feel like my questions were a bother, even when I needed clarification.

      Customer service can sometimes be frustrating when dealing with warranties, but this experience was completely different. Giovanni made the process simple and stress-free, and his professionalism really stood out.

      Overall, American Dream Warranty significantly met my expectations. The quick response, easy quote process, and excellent customer service made a great impression on me. I would definitely recommend giving them an opportunity if you are looking for a warranty company, especially if you have the chance to work with Giovanni. He represents the company very well and made what could have been a complicated process feel easy and positive.

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      Verified purchase
      Customer ServiceCoverageRefunds & PayoutsStaffBilling

      Reviewed Aug. 13, 2026

      I had purchased an extended car warranty, and after I had purchased it, I called my lender and found out that I had already purchased an extended warranty for my vehicle when I purchased it. Not needing two extended warranty packages, I called the Rita American Dream company to have them cancel the policy that I purchased. They were very friendly and kind and understanding and they returned my first payment that I made when I purchased it a week prior to that. They said that I would receive my refund within 7 to 10 days per the bank direction. Due to the customer service treatment that was 100% good. I would definitely recommend this extended warranty company, Sparta American dream to anyone.

      Respectfully,
      Darlene **

      August 8, 2026

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      CoverageRefunds & PayoutsMaintenanceStaffBilling

      Reviewed July 23, 2026

      I was connected with a manager for American Dream Auto Protect who was very polite and asked me a few initial and basic questions about my newly purchased used vehicle. Based off my answers he was able to determine the coverage package that would fit my vehicle. He fully explained the amount of time and what was covered in that package. He explained the grace period and the deadline date to accept or decline the coverage offer. And that I would receive a 100% refund if I chose to decline. If my vehicle should need repair, he explained the process in detail and how the repairs and payment are handled. He was very polite and gave me opportunity with every subject to make sure I understood or if I had questions. He answered my questions in a manner that I understood. The entire conversation was very professional.

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      Verified purchase
      Customer ServiceCoverageSales & MarketingPriceBillingRates

      Reviewed July 14, 2026

      I went searching for a warranty for my car and when the Lincoln one didn’t happen because the miles were over what they allow, I found these guys. We will see how it goes if I ever have to use them. The 2 years no payments at the back side is attractive. Although I think it’s just front-loaded lol. As for the phone call, the first guy who I was switched to was only interested in trying to say I’d sign up today. I told him to give the warranty info, cost coverage, etc, which he didn’t do and once I said I’d be signing up in the next week or so, he switched me to the next guy who actually gave me the info I wanted, and therefore I signed up. I was in sales for 30 years. The first guy on the call needs some sales training if he’s going to be successful. Hopefully this warranty is what they say it is.

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      Staff

      Reviewed Oct. 5, 2026

      Excellent service. Explained the program efficiently and answered all my questions. As a s senior I found Giovanni to be very helpful and patient. So glad I contacted them.

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      Refunds & PayoutsStaff

      Reviewed Oct. 3, 2026

      I spoke with the rep, he explained everything well, I paid for the whole warranty in one transaction and saved 500$! They did their best to give me the best deal they could!

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      Profile pic of the author.
      CoverageStaff

      Reviewed Oct. 2, 2026

      Excellent car warranty that help me get enough coverage. Thank you so much for your help.

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      Reviewed Oct. 2, 2026

      Everything was handled in a timely manner and all my questions were answered.

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      Staff

      Reviewed Oct. 2, 2026

      My representative was Roger ** and he was extremely knowledgeable and professional. After speaking with other warranty companies he sold me on American Dream with his helpfulness and personality. He represented your company extremely well.

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      Customer ServiceStaff

      Reviewed Oct. 2, 2026

      Jordan ** was very helpful. He deserve a raise. A 10/10 customer service and very professional.

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      PriceStaffRates

      Reviewed Oct. 1, 2026

      I was looking around trying to find the best one and this came up. They were so nice and kind. They helped me find the right price and got a better deal for my car. I think I will like it hopefully. I will have it for a few years. Thank you so much for the help in finding the right place.

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      Customer ServiceCoveragePrice

      Reviewed Oct. 1, 2026

      I've had many extended warranty companies over the years, this company wins first place for being the worst for processing clams! I've had my G-wagon down for two weeks because of their process and now my shop had to file a second clam on the same problem with my air conditioning. Now two deductibles. MICHAEL wouldn't let me talk to a supervisor about the claim. Very poor business practice. No wonder I got piss off. Find a different company if you want something done in a timely manner. Josh ** sold me the policy and promised this wouldn't happen. And their 48 hours notice is BS. My first claim took a week and me calling and getting mad to get an answer. Good luck!

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      Customer ServiceStaff

      Reviewed Oct. 1, 2026

      Really help me with everything that I needed and got me what I wanted and made sure I was happy at the end of the call. He was a very good guy and I thank him very much for everything.

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      Verified purchase
      CoveragePriceMaintenanceStaff

      Reviewed Oct. 1, 2026

      American Dream's employees, Jack, was articulate, engaging, and easy to understand. He explained every detail of coverage, the maintenance coverage, and even the cost if paying in full. My concern is this, there are no employees ID numbers available. Overall, the costs compared to other warranty services are better and more affordable in the long run.

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      Reviewed Oct. 1, 2026

      I have been shopping to get my vehicle protected. I’m glad that I found them so far. Everything went good hopefully nothing will ever happen to MY TRUCK to where I have to get it fixed but if I do, I hope that goes as good as assisted.

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      Staff

      Reviewed Sept. 30, 2026

      Brock was my customer representative and he is excellent!! Very respectful and explained and answered all of my questions!! Great asset to your company!!

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      Sales & Marketing

      Reviewed Sept. 30, 2026

      This company is a complete scam. Truly disappointed….

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      Punctuality & SpeedBilling

      Reviewed Sept. 29, 2026

      Roger ** did a great job. Quick and efficient. Right to the meat of everything. I like when people don't waste either of our time. I haven't gotten any further than my first payment, but as long as everything I was told holds up, this is easily 5 star company.

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      CoverageStaff

      Reviewed Sept. 29, 2026

      Anthony was very helpful on explaining everything about the coverage and he made sure that I understood everything before that I made my decision to switch over to them from Car Shield.

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      Verified purchase
      Customer ServiceCoverageTechStaffBilling

      Reviewed Sept. 29, 2026

      I just signed up today, so this review is purely about the great customer service that I got from Mike, the gentleman who sold me my policy. He was very professional. He was also very thorough and offered me several different options and payment plans. He answered all my questions about whether my Audi dealer would accept American Dream, assuring me that any Audi dealership in the country and Canada would accept the coverage. I hope that the rest of my experiences with American Dream are as positive!

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      Staff

      Reviewed Sept. 28, 2026

      Anthony was very helpful. Getting my extended warranty where I wanted it. He explained the 3 different plans that are available and let me pick the one that was best for me.

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      Punctuality & SpeedStaff

      Reviewed Sept. 28, 2026

      Mike did an amazing job! Fast and easy. And easy to understand.

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      Customer ServiceStaff

      Reviewed Sept. 28, 2026

      My experience with Broch ** was the best. He made me feel at ease, explained all my questions and listened to my concerns. I really appreciate customer service and quality likes this. It's hard finding a place to take care of your vehicle needs that is true to their name. Thank you, Broch and I hope your co-workers are just like you, and people can get the experience that I just received. God Bless!

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      Honesty & Transparency

      Reviewed Sept. 28, 2026

      You guys lied to me. You guys has the most denials than approvals.

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      CoverageStaff

      Reviewed Sept. 26, 2026

      Mike was very friendly and offered information about the coverage very concisely.

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      Staff

      Reviewed Sept. 26, 2026

      Very friendly and knowledgeable in your service. Will definitely tell friends about you.

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      Customer ServiceCoverageStaff

      Reviewed Sept. 25, 2026

      So far so good. Customer service is knowledgeable, professional, relatable and kind. Feels good to have extra coverage on both household vehicles.

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      Staff

      Reviewed Sept. 25, 2026

      Well explained, easy to understand. It was exactly what I was looking for in an extended Warranty.

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      Coverage

      Reviewed Sept. 25, 2026

      Insured my Range Rover Sport, specifically requested if it was bumper to bumper and included the suspension and was told yes. Because range rover suspension has additional parts (anti sway) as part of it, which is not named on warranty specifically this was denied, despite top level platinum coverage which includes suspension.

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      Customer ServiceSales & MarketingPricePunctuality & Speed

      Reviewed Sept. 24, 2026

      Wasn't pushy, telling me today only special. Trying to make me sign up today before hanging up or asking why I called. When you called 0 Endurance from a request to get a quote and asked, " Well, why did you call today??" Huh?? Turn off. Bad customer service salesman. I was being nice to even answer a call from a Potential Spam number, and I was out having a late lunch 320-4. My lunch partner noticed that I started looking irritated and made a face.

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      Customer ServiceCoverageStaff

      Reviewed Sept. 24, 2026

      It was the first time call her Santiago introduced himself with great professionalism. He found the greatest deal for my make and model of vehicle. What was within my budget gave me phenomenal directives on even re-enrolling after my policy ended. This company is top-tier.

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      Customer ServiceCoverageStaff

      Reviewed Sept. 23, 2026

      Your service representative (James) was a marvel to do business with! He offered me a terrific extended warranty package and was very informative in explaining what my new policy will consist of.. Great customer service…

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      Customer ServicePriceRates

      Reviewed Sept. 23, 2026

      Great customer service, great product pricing. Looking forward to a great 4 years!

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      Reviewed Sept. 23, 2026

      Got the warranty for my niece's car, she has 2 children. This will give security.

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      Customer ServiceCoverageTechPricePunctuality & SpeedRefunds & PayoutsStaff

      Reviewed Sept. 23, 2026

      I am writing to formally log a complaint regarding an unfulfilled warranty refund. In 2025, I paid $5,100 in cash for a vehicle service contract. I sold the vehicle one year later and canceled the policy. At that time, I was explicitly told to expect my prorated refund within 30 days.It has now been over three months since my June cancellation, and I have still not received my check. Every attempt to resolve this with customer service has been unsuccessful; representatives offer scripted responses, and I am repeatedly denied the option to speak with a manager or the finance department. Furthermore, the financial breakdown of my refund is deeply unsatisfactory. The company deducted $1,200 for a single repair and charged an exorbitant $2,100 for just one year of coverage, leaving me with a return of only $1,700. I request that my $1,700 check be issued and expedited immediately.

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      Verified purchase
      Sales & MarketingRefunds & PayoutsMaintenanceSales Tactics

      Reviewed Sept. 22, 2026

      High pressure sale. Haven't been contacted since I paid. Promised a $2800 free vehicle maintenance package with the deal. The "maintenance package" is nothing more than coupons. I'm trying to cancel before my first month is up and it's nearly impossible. Plus, I see that there's a cancellation fee that I was not told about. Not happy, just want my my refunded.

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      CoverageStaffRates

      Reviewed Sept. 22, 2026

      Giovanni was very knowledgeable about the policy and rates. He was very nice and was patient with me after I asked him to verify who he was before paying anything. I'm excited to have this auto repair coverage.

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      Customer ServiceCoverageMaintenance

      Reviewed Sept. 22, 2026

      POS company. Bought a policy over the phone and was told it covered everything if I went with powertrain plus plan. No exceptions for repairs. Needed a repair done and they denied for a tsb. Truck is out of factory warranty and tsb just advises repair and they denied the repair because of it. Don't waste your money on ADAP.

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      PriceStaffRatesTransparency

      Reviewed Sept. 22, 2026

      Dealing with Justin was seamless and painless not like dealing with some of the other extended warranty companies. I did have some concerns about the price as it seemed low compared to some of the other companies. Justin explained, in a very succinct way, which was a very understandable explanation. Very satisfied.

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      American Dream Auto Protect Company Information

      Company Name:
      American Dream Auto Protect
      Company Type:
      Private
      Year Founded:
      2008
      Address:
      300 McGaw Dr #2f
      City:
      Edison
      State/Province:
      NJ
      Postal Code:
      08837
      Country:
      United States
      Website:
      americandreamautoprotect.com