Concord Auto Protect vs. Assurant
Compare coverage, cost and reviews
 |  |
|---|---|
2.1
1,202 reviews
|
3.5
677 reviews
|
| No. of plans:3 | No. of plans:4 |
| Max mileage120,000 | Max mileage200,000 |
| Max vehicle age- | Max vehicle age12 years |
| Waiting period30 days | Waiting period30 days |
+1 more
Concord Auto Protect and Assurant Extended 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.
Concord Auto Protect is our recommendation to buyers who value a hassle-free experience. Its transparent pricing process, including online quotes, makes it easier to compare options. The option for month-to-month contracts adds flexibility, allowing customers to cancel at any time without long-term commitments.
Assurant works best for those with high-mileage vehicles. Its mileage cap is significantly higher than Concord’s, making it a better choice if you drive an older car. If your vehicle’s odometer reading exceeds Concord’s limits, Assurant might be your only option.
Concord Auto Protect vs. Assurant Extended Warranty coverage
Plans from Concord Auto Protect and Assurant Extended Warranty offer varying levels of coverage for your vehicle's parts and systems.
Concord Auto Protect coverage
Concord Auto Protect offers three extended auto warranty plans: Powertrain, Advanced and Premium.
- Powertrain covers six items including the engine, transmission, drive axle(s), electrical system, cooling system and brakes.
- Advanced expands the Powertrain coverage to include all-wheel-drive/four-wheel-drive components and steering components.
- Premium, the most comprehensive plan, protects everything in the first two plans and adds coverage for heating and air conditioning components, fuel system, anti-lock brake system (ABS), high-tech electronics, turbo/supercharger and front/rear suspension.
Assurant Extended Warranty coverage
Assurant offers four plans:
- Powertrain covers the basics, including the engine, transmission, all-wheel/four-wheel drive, forced induction, gaskets, seals and hybrid components.
- Base adds coverage for electrical systems, steering, brakes and suspension to the Powertrain plan.
- High-Tech matches the Base plan's coverage with a focus on additional systems like electrical systems, steering, brakes and suspension.
- Comprehensive provides the most coverage, including all components in the three other plans plus safety systems and electronics/technology.
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?
Concord Auto Protect vs. Assurant Extended 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 Concord Auto Protect and Assurant Extended 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.
You can only purchase an extended auto warranty with Assurant through your vehicle’s dealership. Contact your dealer to see if coverage with Assurant is available and how much it costs.
| Model and mileage | Concord Auto Protect | Assurant Extended Warranty |
|---|---|---|
| 2013 Ford F-150 (150,000 miles) | $1,311 per year | - per year |
| 2014 Honda CRV (135,000 miles) | $1,285 per year | - per year |
| 2015 BMW 3 Series (125,000 miles) | $2,129 per year | - per year |
| 2016 Toyota Camry (110,000 miles) | $1,151 per year | - per year |
Concord Auto Protect vs. Assurant Extended Warranty policies
Concord Auto Protect is available nationwide and provides a 30-day money-back guarantee to all customers (provided no claims have been made during that time). Customers can choose any ASE-certified mechanic, as well. All Concord plans have a waiting period of 30 days.
Assurant plans don’t have limits to the number of visits or repairs you can schedule per year. However, payout limits and deductibles vary by plan. All Assurant plans have a waiting period of 30 days and are fully transferable (for an additional fee).
| Benefit | Concord Auto Protect | Assurant Extended Warranty |
|---|---|---|
| Vehicle inspection required | | |
| Contract length | Month to month | - |
| Quote process | Online | Call |
Concord Auto Protect vs. Assurant Extended Warranty additional benefits
In addition to coverage for mechanical failures of your vehicle's parts, Concord Auto Protect and Assurant Extended Warranty offer a few other benefits.
All Concord Auto Protect plans include 24/7 roadside assistance (up to $120 per occurrence), trip interruption insurance (up to $50 per day for up to three days when more than 100 miles away from home), dead battery service, towing, locksmith service and rental care reimbursement (up to $225 and a maximum of three days). Plans are transferable and typically last three to five years.
Assurant Extended Warranty benefits
All Assurant plans come with roadside assistance (up to $125 per occurrence for flat tire, towing, fuel delivery, lockout and more), rental car reimbursement ($40 for a maximum of one day) and trip interruption benefits (up to $200 while 100 miles or more from home).
If your vehicle is still covered by a manufacturer’s warranty, Assurant also offers “manufacturer’s deductible reimbursement.” This benefit covers the difference if the manufacturer’s warranty doesn’t fully cover repairs.
| Benefit | Concord Auto Protect | Assurant Extended Warranty |
|---|---|---|
| Roadside assistance | | |
| Rental car reimbursement | | |
| Trip interruption | | |
| Transferability | | |
Concord Auto Protect vs. Assurant Extended Warranty reviews
For an honest assessment of customer satisfaction, let's examine what actual policyholders say about Concord Auto Protect and Assurant Extended Warranty.
Concord Auto Protect reviews
Some Concord Auto Protect reviews reported excellent customer service, a smooth purchasing process and competitive pricing. Some highly recommended the product.
“Two claims have been approved by the staff at Concord Auto Protect. The process was easy and they paid for the repairs in full. I can not complain about anything because they did their job. I would easily recommend them to others that are looking for a car warranty company to use that is priced fair.” — Dylan from New York
Other reviewers complain about delayed claims processing, unresponsive communication and denials for covered repairs.
“My vehicle has been in the shop for 53 days since the initial claim process began and like many others I call nearly every day and email every day and get nowhere.” — Keith from Michigan
» SEE FOR YOURSELF: Concord Auto Protect reviews
Assurant Extended Warranty reviews
Reviews for Assurant are mixed. Most positive reviews cite efficient customer service, easy claims handling and timely responses.
"I called Assurant, and the very nice person that I talked to knew English perfectly and was easy to communicate with. She told me I could have the transmission fixed anywhere I trusted and felt confident. The shop simply had to communicate to Assurant when the diagnosis was complete. In the end, my truck is fixed, Assurant covered 100% for the repair, and the entire process was actually easy and peaceful for me. I had a great deal of stress and tension over everything, and as it turns out, it was one of the easiest things I've done." — Carl from New York
“Vehicle was taken in the morning with the complaint and claim was process in a very timely manner, same day. Paid my deductible and the rest the representative took care with the warranty. I was able to pick up my vehicle the very same day. Very satisfied with their response.” — Blanca from California
Assurant’s negative customer reviews mention slow claims processing, unclear denial reasons and poor communication.
“600 of my 2100 dollar claim was paid. The rest was denied ... I requested the inspection report that was used to determine the denial and was told they don't have it.” — Brian from California
» SEE FOR YOURSELF: Assurant Extended Warranty reviews
Bottom line: Concord Auto Protect or Assurant Extended Warranty?
All things considered, what kind of driver is each provider best for?
Concord Auto Protect is best for car owners seeking longer policy terms and broad availability of repair facilities.
Assurant is best for customers looking to get an extended auto warranty through a dealership when they make their vehicle purchase.
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.
