Concord Auto Protect vs. Premier Auto Protect
Compare coverage, cost and reviews
 |  |
|---|---|
2.1
1,202 reviews
|
4.8
167 reviews
|
| No. of plans:3 | No. of plans:4 |
| Max mileage120,000 | Max mileage200,000 |
| Max vehicle age23 years | Max vehicle age- |
| Waiting period30 days | Waiting period30 days |
+1 more
Concord 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.
Concord Auto Protect is best if you are looking for a basic plan with solid coverage. You may pay a little more if you go with the basic plan from Concord, but the value is good, with protections on important components like brakes and cooling systems.
We recommend Premier Auto Protect for its pricing and comprehensive premium coverage. All plans from Premier cost less across the board, saving you money on premiums no matter which plan you choose. While Concord offers more coverage in its basic plans, mid- and high-tier plans from Premier protect a greater number of components than Concord.
Concord Auto Protect vs. Premier Auto Protect coverage
Plans from Concord Auto Protect and Premier Auto Protect 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.
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:
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| 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. 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 Concord 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.
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 | Concord Auto Protect | Premier Auto Protect |
|---|---|---|
| 2013 Ford F-150 (150,000 miles) | $1,311 per year | $996 per year |
| 2014 Honda CRV (135,000 miles) | $1,285 per year | $985 per year |
| 2015 BMW 3 Series (125,000 miles) | $2,129 per year | $1,733 per year |
| 2016 Toyota Camry (110,000 miles) | $1,151 per year | $924 per year |
Concord Auto Protect vs. Premier Auto Protect 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.
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 | Concord Auto Protect | Premier Auto Protect |
|---|---|---|
| Vehicle inspection required | | |
| Contract length | Month to month | Month to month |
| Quote process | Online | Online |
Concord Auto Protect vs. Premier Auto Protect additional benefits
In addition to coverage for mechanical failures of your vehicle's parts, Concord Auto Protect and Premier Auto Protect 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.
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 | Concord Auto Protect | Premier Auto Protect |
|---|---|---|
| Roadside assistance | | |
| Rental car reimbursement | | |
| Trip interruption | | |
| Transferability | | |
Concord Auto Protect vs. Premier Auto Protect reviews
For an honest assessment of customer satisfaction, let's examine what actual policyholders say about Concord Auto Protect and Premier Auto Protect.
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
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: Concord Auto Protect or Premier Auto Protect?
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.
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.
