Omega Auto Care vs. Premier Auto Protect
Compare coverage, cost and reviews
 |  |
|---|---|
3.9
1,405 reviews
|
4.8
167 reviews
|
| No. of plans:5 | No. of plans:4 |
| Max mileage250,000 | Max mileage200,000 |
| Max vehicle age15 years | Max vehicle age- |
| Waiting period30 days | Waiting period30 days |
+1 more
Omega Auto Care 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.
Omega Auto Care offers lower pricing all around on both basic and premium plans. It also provides coverage for vehicles with higher mileage than Premier Auto Protect, making it a better option for older cars that no longer qualify under Premier’s restrictions.
We recommend Premier Auto Protect to buyers considering a premium plan. Premier’s higher-tier options deliver more extensive coverage, including protections for components that are often expensive to repair, such as electrical or high-tech systems.
Omega Auto Care vs. Premier Auto Protect coverage
Plans from Omega Auto Care and Premier Auto Protect offer varying levels of coverage for your vehicle's parts and systems.
Omega Auto Care coverage
Omega Auto Care provides five plans across three tiers: Powertrain, Powertrain Plus, Powertrain Enhanced, Used Stated and Exclusionary. Each plan covers various components within each category, so checking your specific contract to determine what’s included is important.
- Powertrain covers some parts of your engine, forced induction (turbo/supercharger), transmission, transfer case and drive axle(s).
- Powertrain Plus increases the coverage on each of the named systems in Powertrain and adds coverage for some components of your air conditioning and heating systems.
- Powertrain Enhanced covers everything in the first two plans plus additional parts of each named system. It also extends protection to some parts of the cooling and fuel systems.
- Used Stated expands on the previous levels by adding coverage for some steering, brake and electrical system components.
- Exclusionary, the most comprehensive plan, covers everything in the previous plans, along with additional parts for each system. It also adds coverage for up to two labor hours for emergency repairs. This plan covers almost all components of each system, except those specifically listed as “not covered” within your policy documents.
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:
 |  | |
| 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?
Omega Auto Care 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 Omega Auto Care 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.
To get a quote from Omega over the phone, you will need to disclose your vehicle’s VIN number to the company to accurately access your vehicle's current status. We used Chaiz, an online extended auto warranty broker, to gather quotes since it offers estimates for Omega plans. All four of the quotes we collected are based on the Powertrain Plus plan, as the basic Powertrain plan is only available for vehicles with 150,001 to 250,000 miles.
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 | Omega Auto Care | Premier Auto Protect |
|---|---|---|
| 2013 Ford F-150 (150,000 miles) | $924 per year | $996 per year |
| 2014 Honda CRV (135,000 miles) | $900 per year | $985 per year |
| 2015 BMW 3 Series (125,000 miles) | $1,656 per year | $1,733 per year |
| 2016 Toyota Camry (110,000 miles) | $804 per year | $924 per year |
Omega Auto Care vs. Premier Auto Protect policies
Omega Auto Care covers vehicles up to 15 years old with less than 250,000 miles. It allows you to choose any licensed repair facility, but repairs must be approved before work starts.
Used Stated plans cover vehicles up to 10 years old or with under 150,000 miles. Exclusionary plans apply only to vehicles up to seven years old with fewer than 100,000 miles. Powertrain plans accept vehicles less than 15 years old and under 250,000 miles. Down payments and deductibles apply.
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 | Omega Auto Care | Premier Auto Protect |
|---|---|---|
| Vehicle inspection required | | |
| Contract length | Month to month | Month to month |
| Quote process | Online or call | Online |
Omega Auto Care vs. Premier Auto Protect additional benefits
In addition to coverage for mechanical failures of your vehicle's parts, Omega Auto Care and Premier Auto Protect offer a few other benefits.
Omega Auto Care benefits
All Omega Auto Care plans come with roadside assistance ($100 limit per occurrence), rental car reimbursement (up to $30 per day) and trip interruption protection ($75 per day, up to three days when you’re more than 100 miles from your home).
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 | Omega Auto Care | Premier Auto Protect |
|---|---|---|
| Roadside assistance | | |
| Rental car reimbursement | | |
| Trip interruption | | |
| Transferability | | |
Omega Auto Care vs. Premier Auto Protect reviews
For an honest assessment of customer satisfaction, let's examine what actual policyholders say about Omega Auto Care and Premier Auto Protect.
Omega Auto Care reviews
Omega Auto Care’s positive reviews reflect an appreciation for its reliable coverage, follow-through on covered repairs and great customer service.
“I needed to get something replaced and I saved some money by using them. So, that was nice. The repair was super quick. I went into the dealership and told them my car was doing this funny thing. They looked at it and said they could buy the product for me. By the time I came back, they had the product and had the car fixed, and had already gotten what they needed from Omega.” — Naomi in Michigan
“I love Omega Auto Care. The service is great. They give more than any other warranty I've seen out there. ... I had a problem with my radiator and Omega did a great job of taking care of it. The customer service was quick too.” — Leonard from Florida
Negative reviews mention frustration with denied claims, slow claims processing and poor communication.
Yvonne from Maryland complained, “When the adjuster finally contacted me almost a week later. He informed me that he needed a copy of my auto service invoices, but if I didn't have one, it would not be a problem.” However, she received another call a few days later stating she needed to provide “ALL invoices for the entire time I owned the car.”
» SEE FOR YOURSELF: Omega Auto Care 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: Omega Auto Care or Premier Auto Protect?
All things considered, what kind of driver is each provider best for?
Omega Auto Care is best for customers seeking an extended auto warranty with multiple plan options, especially those with older vehicles.
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.
