Premier Auto Protect vs. Assurant
Compare coverage, cost and reviews
 |  |
|---|---|
4.8
167 reviews
|
3.5
679 reviews
|
| No. of plans:4 | No. of plans:4 |
| Max mileage200,000 | Max mileage200,000 |
| Max vehicle age- | Max vehicle age12 years |
| Waiting period30 days | Waiting period30 days |
+1 more
Premier Auto Protect and Assurant Extended Warranty 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.
We recommend Premier Auto Protect to drivers who value transparency. Premier makes getting a quote easier and has terms that are more upfront. Unlike Assurant, Premier allows you to make price inquiries online, so you don’t have to speak with an agent to get the information you need.
Assurant works best for buyers who want to make sure their vehicle’s navigation system is covered. You’ll need to get the premium plan to ensure GPS coverage is included, but this feature isn’t available with Premier, even in the highest tier plan.
Premier Auto Protect vs. Assurant Extended Warranty coverage
Plans from Premier Auto Protect and Assurant Extended Warranty offer varying levels of coverage for your vehicle's parts and systems.
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.
Assurant Extended Warranty coverage
Assurant offers four plans:
- Powertrain covers the basics, including the engine, transmission, all-wheel/four-wheel drive, forced induction, gaskets, seals and hybrid components.
- Base adds coverage for electrical systems, steering, brakes and suspension to the Powertrain plan.
- High-Tech matches the Base plan's coverage with a focus on additional systems like electrical systems, steering, brakes and suspension.
- Comprehensive provides the most coverage, including all components in the three other plans plus safety systems and electronics/technology.
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?
Premier Auto Protect vs. Assurant Extended Warranty 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 Premier Auto Protect and Assurant Extended Warranty. 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.
You can only purchase an extended auto warranty with Assurant through your vehicle’s dealership. Contact your dealer to see if coverage with Assurant is available and how much it costs.
| Model and mileage | Premier Auto Protect | Assurant Extended Warranty |
|---|---|---|
| 2013 Ford F-150 (150,000 miles) | $996 per year | - per year |
| 2014 Honda CRV (135,000 miles) | $985 per year | - per year |
| 2015 BMW 3 Series (125,000 miles) | $1,733 per year | - per year |
| 2016 Toyota Camry (110,000 miles) | $924 per year | - per year |
Premier Auto Protect vs. Assurant Extended Warranty policies
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).
Assurant plans don’t have limits to the number of visits or repairs you can schedule per year. However, payout limits and deductibles vary by plan. All Assurant plans have a waiting period of 30 days and are fully transferable (for an additional fee).
| Benefit | Premier Auto Protect | Assurant Extended Warranty |
|---|---|---|
| Vehicle inspection required | | |
| Contract length | Month to month | - |
| Quote process | Online | Call |
Premier Auto Protect vs. Assurant Extended Warranty additional benefits
In addition to coverage for mechanical failures of your vehicle's parts, Premier Auto Protect and Assurant Extended Warranty offer a few other benefits.
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.
Assurant Extended Warranty benefits
All Assurant plans come with roadside assistance (up to $125 per occurrence for flat tire, towing, fuel delivery, lockout and more), rental car reimbursement ($40 for a maximum of one day) and trip interruption benefits (up to $200 while 100 miles or more from home).
If your vehicle is still covered by a manufacturer’s warranty, Assurant also offers “manufacturer’s deductible reimbursement.” This benefit covers the difference if the manufacturer’s warranty doesn’t fully cover repairs.
| Benefit | Premier Auto Protect | Assurant Extended Warranty |
|---|---|---|
| Roadside assistance | | |
| Rental car reimbursement | | |
| Trip interruption | | |
| Transferability | | |
Premier Auto Protect vs. Assurant Extended Warranty reviews
For an honest assessment of customer satisfaction, let's examine what actual policyholders say about Premier Auto Protect and Assurant Extended Warranty.
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
Assurant Extended Warranty reviews
Reviews for Assurant are mixed. Most positive reviews cite efficient customer service, easy claims handling and timely responses.
"I called Assurant, and the very nice person that I talked to knew English perfectly and was easy to communicate with. She told me I could have the transmission fixed anywhere I trusted and felt confident. The shop simply had to communicate to Assurant when the diagnosis was complete. In the end, my truck is fixed, Assurant covered 100% for the repair, and the entire process was actually easy and peaceful for me. I had a great deal of stress and tension over everything, and as it turns out, it was one of the easiest things I've done." — Carl from New York
“Vehicle was taken in the morning with the complaint and claim was process in a very timely manner, same day. Paid my deductible and the rest the representative took care with the warranty. I was able to pick up my vehicle the very same day. Very satisfied with their response.” — Blanca from California
Assurant’s negative customer reviews mention slow claims processing, unclear denial reasons and poor communication.
“600 of my 2100 dollar claim was paid. The rest was denied ... I requested the inspection report that was used to determine the denial and was told they don't have it.” — Brian from California
» SEE FOR YOURSELF: Assurant Extended Warranty reviews
Bottom line: Premier Auto Protect or Assurant Extended Warranty?
All things considered, what kind of driver is each provider best for?
Premier Auto Protect is best for customers who want flexible coverage options and robust sales support.
Assurant is best for customers looking to get an extended auto warranty through a dealership when they make their vehicle purchase.
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.
