Endurance Auto Warranty vs. American Dream Auto Protect
Compare coverage, cost and reviews
 |  |
|---|---|
4.6
13,946 reviews
|
4.2
998 reviews
|
| No. of plans:6 | No. of plans:3 |
| Max mileageUnlimited | Max mileage130,000 |
| Max vehicle age20 years | Max vehicle age10 years |
| Waiting period30 days and 1,000 miles | Waiting period30 days |
Endurance Auto Warranty and American Dream 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.
Endurance stands out for letting you get quotes online, as well as having no maximum mileage and a higher age limit on the vehicles it covers.
American Dream Auto Protect has better reviews for customer service and claims handling, making it our recommendation for those who value a more user-friendly experience.
Endurance Auto Warranty vs. American Dream Auto Protect coverage
Plans from Endurance Auto Warranty and American Dream Auto Protect offer varying levels of coverage for your vehicle's parts and systems.
Endurance coverage
Endurance offers six plans, but you’ll typically only see three when you get an online quote (Supreme, Superior and Secure Plus). The other three (Superior, Select Premier and Advantage) are usually only available over the phone and have more restrictive eligibility criteria.
- Secure is a powertrain-only plan.
- Secure Plus is the equivalent of a powertrain warranty but with added coverage for your air conditioning and brakes.
- Select Premier offers similar coverage to Secure Plus for vehicles with more than 150,000 miles. It also offers greater coverage for all the components it covers.
- Superior covers 300-plus components across most major component groups.
- Supreme is an exclusionary, bumper-to-bumper warranty with coverage for virtually all components on your vehicle (2,000+), except wear-and-tear and a short list of exceptions.
- Advantage offers Supreme coverage plus up to $3,500 in annual maintenance costs.
American Dream Auto Protect coverage
American Dream Auto Protect offers three plans. You can fill out an online form to get a quote for your vehicle, but you’ll have to provide your contact information and wait for the company to contact you with your pricing details. You can also call directly to get a quote. Here are more details about each of its plans:
- Silver provides essential powertrain coverage only.
- Gold offers comprehensive coverage for your vehicle’s major powertrain systems.
- Platinum covers all powertrain and electrical systems.
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?
Endurance Auto Warranty vs. American Dream 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 Endurance Auto Warranty and American Dream Auto Protect. The prices below are for each company's lowest-tier plan. Keep in mind that coverage for these plans varies, so it’s not an exact apples-to-apples comparison of value.
| Model and mileage | Endurance Auto Warranty | American Dream Auto Protect |
|---|---|---|
| 2015 Ford F-150 (120,000 miles) | $1,288.68 per year | $1,428 per year |
| 2016 Honda CRV (95,000 miles) | $1,207.80 per year | $1,440 per year |
| 2017 BMW 3 Series (85,000 miles) | $2,532.84 per year | $2,040 per year |
| 2018 Toyota Camry (75,000 miles) | $1,166.04 per year | $1,428 per year |
Endurance Auto Warranty vs. American Dream Auto Protect policies
Endurance offers a standard deductible of $100. However, it automatically assigns a $500 deductible to any Supreme plan covering an Audi, BMW, Mercedes-Benz, Land Rover, Jaguar, Porsche or Alfa Romeo. It also only covers these vehicles until they hit eight years old or 80,000 miles, whichever comes first.
American Dream Auto Protect only offers a deductible of $125. We couldn’t find any stipulations for varying deductibles on different makes of cars. The company also has a $20 activation fee (one-time payment) when setting up a new policy. You can get a multiple-vehicle discount if you sign up for coverage on two or more vehicles at the same time.
| Benefit | Endurance Auto Warranty | American Dream Auto Protect |
|---|---|---|
| Vehicle inspection required | | |
| Contract length | 30 months | Month to month, 3 years or 5 years |
| Quote process | Online or call | Call |
Endurance Auto Warranty vs. American Dream Auto Protect additional benefits
In addition to coverage for mechanical failures of your vehicle's parts, Endurance Auto Warranty and American Dream Auto Protect offer a few other benefits.
Endurance benefits
Endurance offers 12 months of Elite Benefits with each plan for an additional $29 (one-time payment). These include:
- Up to $500 for key fob replacements
- Up to two tire repairs/replacements
- Up to $1,000 in collision repair assistance
- Up to $1,000 in total loss protection, which goes toward a replacement vehicle if your current vehicle is declared a total loss
While these benefits are valuable, one of Endurance’s hidden shortcomings is that it only offers $30 per day (or $150 maximum per repair) in rental car assistance.
American Dream Auto Protect benefits
American Dream Auto Protect offers Elite Benefits as an exclusive package. It includes:
- Key fob replacement coverage for lost or damaged key fobs
- Tire repair and replacement services
- Collision repair discounts
- Total loss replacement assistance
Rental car reimbursement is limited to $30 per day or $150 maximum per repair. Trip interruption coverage provides up to $150 per day for up to three days when within 100 miles of your registered address.
| Benefit | Endurance Auto Warranty | American Dream Auto Protect |
|---|---|---|
| Roadside assistance | | |
| Rental car reimbursement | | |
| Trip interruption | | |
| Transferability | | |
Endurance Auto Warranty vs. American Dream Auto Protect reviews
For an honest assessment of customer satisfaction, let's examine what actual policyholders say about Endurance Auto Warranty and American Dream Auto Protect.
Endurance reviews
The general sentiment surrounding Endurance is that the reps are friendly and knowledgeable and that claims move along quickly.
“They're good people and we get no hassle whenever I have a claim. I had a claim for the radio and Endurance took care of it. They're the real deal. I have already got four of my family members signed up with them.” — William in Georgia
- "The first claim I ever had with Endurance was awesome ... Endurance has been great with me, and I've never been on the phone 15 minutes when I called there.” — Yvonne in Kentucky
Most of Endurance’s negative reviews seem to stem from a misunderstanding of coverage, waiting periods or other key terms of the warranty. To its credit, Endurance responds to its critical reviews, seeking ways to make things right with the reviewer.
- “I was told I need 30 days before my warranty was activated. It’s been over 90!!!! Come time to use the warranty fine print page 3 on a digital contract say 30 days and 1000 miles. I drive my car 550 miles so I have been paying them and I am not covered????” — Ivorie in Pennsylvania
» SEE FOR YOURSELF: Endurance reviews
American Dream Auto Protect reviews
Customers have generally had positive experiences with American Dream Auto Protect. Some mention that the signup process was easy and that they appreciated the thoroughness of the coverage.
- “Filing a claim was much simpler than I thought it would. The radio needed to be replaced on my car. American Dream ended up replacing that and covering it. A wiring harness needed to be replaced as well. They covered that and the car rental.” — Roland in Georgia
- “I took my car for brakes and it was the easiest claim to ever submit. I picked where I wanted to take my car and took it over there. I gave them the information and they were the ones that submitted my claim to American Dream. Then they called me up and told me it was approved. It was really fast.” — Rosenda in Colorado
However, there were a few complaints about claim rejections and delays in receiving reimbursement.
- “When I used the warranty, American Dream covered majority of the cost of the repair, about 70% of it, but the rest came from my pocket. They were also supposed to give me back a refund for the rental but I never received it.” — Denis in Massachusetts
» SEE FOR YOURSELF: American Dream Auto Protect reviews
Bottom line: Endurance Auto Warranty or American Dream Auto Protect?
All things considered, what kind of driver is each provider best for?
Endurance is best for drivers who value robust coverage and generous first-year benefits for added peace of mind.
American Dream Auto Protect is best for drivers who prioritize strong customer service and a seamless claims experience.
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.
