Endurance Auto Warranty vs. Premier Auto Protect
Compare coverage, cost and reviews
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|---|---|
4.6
14,301 reviews
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4.8
167 reviews
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| No. of plans:6 | No. of plans:4 |
| Max mileageUnlimited | Max mileage200,000 |
| Max vehicle age20 years | Max vehicle age- |
| Waiting period30 days and 1,000 miles | Waiting period30 days |
+1 more
Endurance Auto Warranty 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.
Endurance Auto Warranty has more comprehensive coverage than Premier Auto Protect. You’ll pay more upfront if you sign up with Endurance, but plans provide broader protections, including coverage for brakes. Endurance also insures older vehicles than Premier, with coverage available for all vehicles, regardless of mileage.
We recommend Premier Auto Protect to buyers who want the most savings on premiums. Premier’s plans are substantially more affordable, making it a better option for budget-conscious drivers. Coverage at Premier is more limited than what Endurance offers, which makes it best suited for those willing to trade more comprehensive protection for lower upfront costs.
Endurance Auto Warranty vs. Premier Auto Protect coverage
Plans from Endurance Auto Warranty and Premier 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.
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?
Endurance Auto Warranty 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 Endurance Auto Warranty 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.
For Endurance quotes, note that the Secure Plus plan was not available for the Honda CRV or the Ford F-150; for these vehicles, we received quotes for the Premier plan.
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 | Endurance Auto Warranty | Premier Auto Protect |
|---|---|---|
| 2013 Ford F-150 (150,000 miles) | $2,014 per year | $996 per year |
| 2014 Honda CRV (135,000 miles) | $1,834 per year | $985 per year |
| 2015 BMW 3 Series (125,000 miles) | $2,573 per year | $1,733 per year |
| 2016 Toyota Camry (110,000 miles) | $1,235 per year | $924 per year |
Endurance Auto Warranty vs. Premier 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.
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 | Endurance Auto Warranty | Premier Auto Protect |
|---|---|---|
| Vehicle inspection required | | |
| Contract length | Month to month, 30 months | Month to month |
| Quote process | Online or call | Online |
Endurance Auto Warranty vs. Premier Auto Protect additional benefits
In addition to coverage for mechanical failures of your vehicle's parts, Endurance Auto Warranty and Premier 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.
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 | Endurance Auto Warranty | Premier Auto Protect |
|---|---|---|
| Roadside assistance | | |
| Rental car reimbursement | | |
| Trip interruption | | |
| Transferability | | |
Endurance Auto Warranty vs. Premier Auto Protect reviews
For an honest assessment of customer satisfaction, let's examine what actual policyholders say about Endurance Auto Warranty and Premier 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 from 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 from 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 from Pennsylvania
» SEE FOR YOURSELF: Endurance 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: Endurance Auto Warranty or Premier 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.
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.
