MPP Warranty Reviews

MPP could be a good option if you’re purchasing a new or used vehicle at a participating dealership. However, the company’s plans are only sold in 10 states, and many ConsumerAffairs reviewers seem dissatisfied with their MPP plan, citing undisclosed deductibles and misleading coverage.

Mechanical Protection Plan is an extended auto warranty company founded in 1979. MPP works by protecting your vehicle from certain repairs once your factory warranty expires. The company offers extended warranties, gap protection and coverage for recreational vehicles, commercial vehicles and more.

MPP only offers its plans through select dealers in 10 states:

• Arizona
• California
• Florida
• Georgia
• Illinois
• Indiana
• Missouri
• Nebraska
• New Mexico
• Texas

MPP has various plans available for both new and used vehicles.

New vehicle coverage

New vehicles are eligible for MPP’s Platinum Coverage Plus EV plan, which covers nearly every mechanical and technical component except those specifically listed as not covered in your contract.

You can also opt to add one of the following maintenance or hazard plans to this coverage:

• MPP Platinum Care Plus EV Coverage: Covers chassis lubrication, engine oil, filters and tire rotations
• MPP Platinum Elite Plus EV Coverage: Covers your battery, brake pads, fuses, interior and exterior light bulbs, engine belts and hoses, headlamps, windshield wiper blades and tire alignment
• MPP Platinum Care Elite Plus EV Coverage: Covers the items in the MPP Platinum Care Plus EV and MPP Platinum Elite Plus EV plans
• MPP Luxury Plus: Covers parts from previous plans and adds extra benefits such as tire and road hazard protection, paintless dent repair and brake pad coverage

Used vehicle coverage

You can choose from five extended warranty plans for used vehicles:

• Bronze Warranty: Covers your engine, transmission/transaxle and front- and rear-wheel drive components
• Silver Warranty: Includes the parts covered under the Bronze plan along with your steering, brake system, electrical system, factory-installed air conditioner and front suspension
• Gold Warranty:Covers all of the parts in the Bronze and Silver packages with enhancements in certain areas
• Platinum Vehicle Coverage: Covers most components except what’s explicitly excluded
• Certified Pre-Owned Platinum Wrap: Covers mechanical and technical components as well as your suspension alignment, wheel balancing, filters and more

» LEARN: What does a car warranty cover?

MPP doesn’t publish prices for its plans, so the only way to get a quote is to consult with an MPP dealer. Prices generally vary based on the car you own, how long it’s been in service, the car’s mileage and the plan you select. All of its plans feature a deductible that you choose when signing up.

MPP customers also have several payment options. You can add the service contract to your vehicle purchase financing, pay for it in full or finance it separately with 0% interest. If you finance it separately, there’s a required minimum down payment, and you can pay the balance over 12 or 18 months.

» MORE: How much does an extended car warranty cost?

MPP offers two secondary benefits in addition to repair coverage for its warranties.

Inspections may be required for some vehicles and plans, though MPP generally provides coverage for vehicles of up to eight model years old and up to 90,000 miles.

For repairs, you can bring your car to your dealership, any authorized dealership or any repair facility with Automotive Service Excellence (ASE) certification. The repair facility will need to call for prior authorization and MPP will pay the repair facility directly for covered repairs.