Protect My Car provides mechanical breakdown and maintenance coverage for your vehicle by offering both maintenance plans and extended auto warranties. Maintenance plans cover oil changes, tire rotations, and up to 50% off on mechanical repair costs. Extended auto warranty plans cover vehicles up to ten years old or newer that have up to 125,000 miles – keeping your vehicle covered far beyond your manufacturer's warranty plan.
Extended auto warranty plans cover labor and parts cost of your mechanical failures and all repairs are paid with our corporate credit card account, so your only out-of-pocket expense is a $100 deductible. All extended auto warranty plans include 24/7 Roadside Assistance, which can be used for tow services when your vehicle breaks down or runs out of gas. They will also reimburse rental car expenses if the labor time for your repairs takes longer than 4 hours.
Call today for more information on the Ambassador maintenance plans. Claims adjusters help you every step of the way with a hassle-free claims process. Call today for a free, no-obligation quote.
Customers set up their contract using the no-fee payment plan. Small monthly payments can be made for as long as 24 to 42 months, making coverage affordable for everyone. With our no-fee payment plan, the cost for coverage is less than $2 per day.
Call today and activate your policy with as little as $99 down. All customers have a full 30-day money back guarantee.
Protect My Car allows a long 60-month repayment plan. Although their Ambassador plan only offers partial coverage, Protect My Car’s other plans satisfy a wide array of needs.
- Specialized plan for older cars
- Low down payment
- Longest repayment period
- Not offered in all states
- One plan offers only partial coverage
I also like the number of items covered by Protect My Car, more significantly the cost per month I have set up with them, the overall contract duration and total financing that I’m working at with them over a four-year period.Read Full Review
Protect My Car had answers. It was just a better experience. It was easier to do business with them ... and the person I dealt with was very knowledgeable. He was very helpful in helping me weigh the pros and cons. Plus it wasn’t a high-pressure type of sale. It was more of a relaxed conversation.Read Full Review
What is Protect My Car?
Protect My Car is an extended auto warranties broker. They offer options to repay an extended auto warranty plan over 36 or 60 months. Down payments start as low as $99, and Protect My Car estimates most plans cost about $2 a day. Three plans offer everything from basic to bumper-to-bumper coverage, and a plan specially designed for aging cars lets customers save on repairs.
Protect My Car payment
You can request a free quote online from Protect My Car. Down payments come as low as $99, meaning it only costs about $100 to activate your plan. A 30-day money back guarantee, standard among extended auto warranty companies, allows you to cancel your plan in the first 30 days if you haven’t made a claim. This is helpful in case you decide that an extended auto warranty isn’t right for you.
The actual Protect My Car cost comes out to less than $2 a day. The deductible for most of your car repairs will be around $100 with Protect My Car.
Protect My Car offers two repayment period options: 36 months or 60 months. The 60-month payment period is among the longest you will find. Many Protect My Car reviews praise this flexibility in payment. This makes even pricier extended auto warranty plans much easier to repay.
Protect My Car plans
Protect My Car offers three traditional plans in addition to a plan specially designed for older cars, where just a portion of repairs is covered. These three plans are called the Driveline, Select and Supreme plans:
- The Driveline plan is designed for vehicles with high mileage. It covers electrical systems, fuel systems, drive axles, transmission and the engine.
- The Select plan offers everything the Driveline plan offers, plus coverage for the ABS master cylinder, temperature control, brake system and heating and cooling systems.
- The Supreme plan covers everything covered in the Select plan, plus coverage for front and rear suspension and steering components. This is the closest thing Protect My Car has to a bumper-to-bumper extended auto warranty.
The plan tailored toward older cars is called the Ambassador plan. It is a little different from the above plans. It is specifically designed for cars with over 150,000 miles. There are no mileage or age restrictions. This plan does not fully cover the cost of repairs. Instead, it covers a portion of costs, saving customers 25 percent on average for repairs.
|Heating and cooling systems|
|ABS master cylinder|
|Front and rear suspension|
Protect My Car coverage
Protect My Car coverage is limited to cars under 150,000 miles and less than 10 years old. Protect My Car contracts range from 3–5 years in length and are generally transferrable. The liability limit on a Protect My Car extended warranty is a flat rate instead of being based on the value of the car.
Protect My Car roadside assistance comes with all of Protect My Car’s main plans and is available 24/7. This includes fuel delivery, tire changes, tow services, vehicle lockout services and emergency jump starts. If your car’s in the shop for repairs, Protect My Car will provide up to $30 a day for up to seven days in rental car reimbursements. Those with an Ambassador plan can receive rental car reimbursements of up to $90, or three days at $30 each.
You’ll have to wait 30 days after your contract is signed and drive 1,000 miles before Protect My Car will accept claims. Protect My Car customer service is available 24/7. Protect My Car, unfortunately, is not able to protect cars in California, Florida, New York, Louisiana, Missouri, Oklahoma or Washington.
Is Protect My Car worth it?
Protect My Car is a good option for extended auto warranties. Even if the extended auto warranty for your specific car isn’t the cheapest option available, Protect My Car allows 60 months to pay it off. The Driveline, Select and Supreme plans offer a wide variety of coverage that will please most customers. The Ambassador plan appeals to those with older cars or cars with high mileage because there are no limits based on mileage or age. Protect My Car warranty reviews also praise the low down payments. Overall, Protect My Car is a good choice for customers looking for a dependable extended auto warranty.
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If you need auto coverage, Protect My Car is an excellent company. My warranty expired, so I needed a new one and given the price, they were my husband's choice. Compared to the coverage I have on my other car, they're a lot better. It would sound minute but my husband can get oil changes, and I can't with my other warranty. He also had some other work that had to be done, and it didn't seem like there was any problem.
The reps I worked with were always very nice and knowledgeable, then when we filed a claim, all we did was make a phone call. They told us to take the car to the auto mechanic, have them call Protect My Car, and they would take care of it. In addition, when I speak to their customer service rep, they're very friendly and nice. I just wish they continued in Florida, so I could get the warranty on my other car also. So far, the quality of service has been good and I would recommend them to everyone.
Please call us anytime you have any questions or if there is any thing we can do to help out.
Last month I took a road trip with my two small children to bring my 75 year old mother back home to South Carolina. We were about three hours away from her house when my Camry just started acting funny. I pulled over to the side of the road and called Protect My Car. I was so nervous that it would take hours and that I would be stranded with my family while we waited for roadside assistance. When I called in I spoke to Karen and she was so courteous. She was so understanding of my situation. She had roadside assistance out to me extremely quickly. I was so relieved and happy that I had coverage with Protect My Car.
Please call us anytime you have any questions or if there is anything we can do to help out.
Thanks again for your comments.
I wanted to make sure I had warranty on the car and Protect My Car told me what they were offering. It was great and I accepted it. My daughter's transmission messed up and the car stopped driving. We got the car checked and it was handled. Everybody was great too. They told me what was covered under the warranty and that they were handling it. They also spoke with the people at MCO and the shop pretty much handled everything. I didn't have to do anything but pay my monthly fees. The warranty is working for me and I would highly recommend it.
Please let us know if you have any questions or if there is anything we can do for you.
I didn’t wanna be paying the full amount of service on a vehicle that was old and past warranty and Protect My Car offered me the best deal for what I was paying. I haven’t had any problems with the company, except for recently, I was kinda disappointed that they wanted the 50% deductible. It would be for the repairs that were done delivered to them versus to the dealer that I was working with. Previously, I paid the dealer his 50%, then he collected his 50% from Protect My Car. They changed the parameter of what they wanted to do and they ended up putting a new motor in the car, which I didn’t have a problem with. The problem is they gave more information to the service dealer than they did to me, and the information they gave to the service dealer was different than what they gave me. And in turn, they were charging me 50% of the initial cost.
When they did the deal with the service dealer, with the new motor, it was about a $500 difference that I could have saved that they got extra. In numbers, the deal would have been $2,800 for them to do the heads and fix everything that needed to be done. I would have paid 1,400 and they paid 1,400, but because they came up with the idea of putting a new motor in, they only paid 900 for the motor, instead of 1,400. The $500 should’ve come back to me and when I asked them about it, they gave me a wishy-washy answer but never really the answer that I wanted. I didn’t wanna get my dealer in trouble with them, but in turn, they should have given me the $500 back or a credit.
I’m happy with getting a new motor and everything came out good. My mechanic did a good job, but I should’ve gotten my $500 back and I was a little disappointed in that. I know what scam they pulled on me and I won’t recommend them. I’ll keep them as long as I got the car until I hit my max mileage, but if I ever do that on another vehicle, it won’t be with them only because they cheated me out of 500 bucks. Overall, they did everything that they were gonna do in a timely manner, but it took them a long time to get that motor in. They had to come back with a different vehicle, so it was delayed by about five days.
Your coverage guarantees that you pay only 50% of the estimate prepared by the shop you choose to use. We do that by reducing parts and labor costs and paying the balance in cash. That's why you only paid 50% of the original estimate. You have already saved over $2,000 on just the first three claims (which is more than twice what the coverage has cost). That's hardly a scam. Before dropping the coverage, think about how much you would have had to pay without the coverage.
Thanks for choosing Protect My Car
I have a car that is a number of years old and not too many people will insure it. I talked to one company and they said they wouldn't touch the car. However, Protect My Car called me up and offered to insure my car, and purchasing the warranty was really simple. I gave them the specifics on the car and they came back to me with the price, and it looked reasonable. I knew I was gonna pass some work done and what it came down to was whether or not they would live up to the contract and if they would be fair and reasonable with the fees that they would allow.
I have filed claims with them many times and the way they do it is a little unusual, but it works out. The garage contacts the maintenance people when they are done and submits the bill to Protect My Car. Then, they get in touch with me and tell me how much they are going to pay off that. I need to then pay them for the balance that's due and once they get paid from me, they contact the garage and send the payment through a credit on a Visa card on their account.
Protect My Car does a good job given the age and type of my car. However, they could be a bit more responsive to resolving questions on the issues. Sometimes there's a question on an invoice that's coming through as far as what they're supposed to pay or the validity of the charge and they are not always as responsive back to me to tell me what's going on. And since I have to pay them in order for the garage to get paid, I get calls every once in a while from the garage saying that the invoice isn't resolved yet. I told them that we paid for that, but it turned out that we hadn't. It has happened one or two times and it is a minor issue. It is not a regular thing that they do and those were taken care of right away.
Our Ambassador series of policies was created specifically for vehicle owners whose vehicles do not qualify for standard extended breakdown coverage, either because of excessive age or miles, or because of pre-existing conditions. The Ambassador family of policies is less expensive than a standard extended warranty and therefore appeal to those on a limited budget.
Ambassador policies provide a wide variety of important benefits including free oil changes, free tire rotations and a significant reduction in repair costs (guaranteed 25% reduction of the original estimate of repair costs). They also come with towing, 24 /7 roadside assistance and rental car benefits.
I have a Ford with 180,000 miles on it and I was able to utilize Protect My Car's benefits for one significant maintenance project that I had last November. It covered a number of items that needed to be updated on the vehicle. Some of them were covered while some were not, but it was able to at least have a good share of items taken care of and compensated by Protect My Car. I also like the number of items covered by Protect My Car, more significantly the cost per month I have set up with them, the overall contract duration and total financing that I’m working at with them over a four-year period. I looked at this before and a lot of people get a lot of calls and marketing for them over the course of time, but I've been able to put together a list of things that are important to me and things that I can against other competitors. I was able to get a good price for the products and services I’m receiving from Protect My Car.
Protect My Car has a main marketing group and they outsource the claims to a warranty company, Mepco, that handles the claim specifically. All calls regarding questions and process go through them and I made sure I understood it fully before I proceeded with the full maintenance that I had quoted on my vehicle, so I knew exactly what was going to be covered and why some things were not covered. They walked me through the process for filing a claim. I provided the invoice and I had it done in the Ford dealership. Ford knew the process themselves and forwarded the invoice on the work that was qualified for warranty rebates at least 50% of the costs for applicable and qualified repairs, material, and labor. I was able to be educated on it and understood the process at the time.
I have a monthly amount that I pay for and I am throwing an arbitrary number of $3,000 as the cost of the program. With each qualified parts and repair, they give 50% of it. I would have to pay for Mepco qualified portion of the invoice and have proof that it was paid for, then they would compensate me. They would then send me a check. Once I prove that I paid for my portion, they would pay theirs.
At one point, I was going to cancel the contract, but Protect My Car came back and renegotiated a lower monthly amount. Nothing changed and they were able to keep me on as a customer. I have an auto draft, so I get a monthly invoice for a draft that occurs and I know when it occurs. I set up exactly when the withdrawal occurs specifically. That works in consent with my paycheck so that it’s withdrawn at an appropriate time during the month. Everything works all good and I don’t have any issues.
You should know that Mepco only handles the monthly payment processing for our customers, not claims on repairs. All claims are handled by professional claims adjusters through our sister company.
Thanks again for your comments.
Getting a service contract for my vehicle was a good idea and yet everybody said it was gonna be a hoax but I proved them wrong. It wasn’t hard to purchase a warranty from Protect My Car. I just gave them the information on my vehicle and they started me up. I put it on autopay because it’s the same amount all the time and I know that that money is coming out every month. I have really been pleased with the work that Protect My Car has done.
I filed a claim because my car started falling apart, and I didn’t have a problem with their customer service team. I called them up and gave them my number and they talked to me. They said they were gonna call the service place that would be working on my car. The claims process has been really good and easy. I had the people at the service station call and explain what was going on, and then I called Protect My Car to verify that I needed the help and they approved it. I’ve had a few things that aren’t covered, but that was to be expected. Otherwise, Protect My Car’s service is great.
The last time my car broke down, I should’ve tried the rental service because I was stuck without a vehicle for quite some time. I locked myself out twice and once, the battery wouldn’t start. So, that was three calls within a year, and for the rest of the year, I couldn’t get AAA to help me. But I could’ve called Protect My Car and gotten a tow truck at least out there to get my car off the road. I know that it's available through them, and that is important. I’m disabled, so there are things I can’t do.
My truck is gonna keep running now but if it won't, I can call and someone will get it fixed right away. I took the car to the repair shop and they did the repairs. The issue has something to do with the computer that once you’ve disconnected the battery, when you reconnect it up, the car won’t run continuously until you do something to the computer to tell it that it’s supposed to keep running. I would start the car and it would just cut off. So, I called and they fixed it right away because it was part of fixing the vehicle.
My fiancé and I are really happy with Protect My Car's service. He would like to join as well but they said they’re not signing up more people in California at this time. California has such strict laws regarding catalytic converters and they even change the gas for summer, and maybe Protect My Car doesn't like that. Still, I would tell my friends that Protect My Car is a really good program and if they can get signed up, they should. The warranty is very worth the monthly fees that one pays out.
Please call us anytime you have any questions or if there is any thing we can do to help out.
Thanks again for your comments.
I've had different warranties before and I wasn’t happy with how things worked with some of them. The first vehicle that I put the warranty on is old and a lot of insurance companies wouldn’t cover it. I like ProtectMyCar better. I purchased their warranty about a year ago. The rep was really nice and his knowledge and expertise were good. He walked me through everything, and, so far, mostly everything he said was true. ProtectMyCar still covered my old vehicle although it’s a different coverage where I pay for half the cost of the work. It’s unlike the other warranties I had, where my car was fully covered, and I only had to pay a deductible and sometimes a little extra. I wish I could get better coverage with ProtectMyCar. But I just deal with what I can get, being that my vehicle is old.
The process of filing a claim with ProtectMyCar starts when I take my car to the shop. Then the shop figures out what's wrong with my car and I give them the warranty card. Next, they call the warranty company to see if my car is covered and how much would be paid. Later on, they would give me a call and tell me the amount that needs to be paid. After I do that, I pay my debit card now. However, it used to be that I pay my debit card and as soon as I'm paid, they call the shop back and get started.
On my first claim with ProtectMyCar there was a miscommunication on the price. I went to the shop and the shop quoted me one price. Then the warranty company spoke with them, and they made adjustments on what the warranty would pay versus what the shop wanted. I was confused. It saved the warranty company money versus me, and I thought we were on the same side. But I let that go because they're still helping me pay.
I've had work done in my car in June, July, and October. Recently, I needed to get service done on it again and the reps helped me very well. They started a new process where I have to sign paperwork before the shop can get the job started. A little thing came to where they email me a contract of how much I had to pay, and I would have to sign and date it. Then I would have to send it back before the shop could get done. I was kind of upset about the new process, especially because I work and it took me a minute to get that done. I also needed the work on the car to get done as soon as possible.
The cost of ProtectMyCar’s policy is very reasonable. Actually, the vehicle is my dad’s, and I got the warranty for him because he's on a fixed income and so he doesn’t have as much money. I have a second vehicle, which is a truck, and I also have the warranty on it just in case. We've modified the truck and a lot of warranties would not accept the modifications of the vehicle. But ProtectMyCar does. They don’t worry about that, so I like them. I tell people that they need to get this warranty because it helps out, especially if it’s for older cars. I also tell people the stories that I've been through. My dad had $1,500 worth of work done, and I only had to come out $700 out of pocket, which is wonderful. Everything to me was really good. I recommend ProtectMyCar.
We do work hard to make sure your experience with Protect my Car is a positive one and that the whole process, from choosing the right coverage, to making sure it is comfortable on your budget, to fast and efficient claims service, towing and rental car benefits, gives you great peace of mind.
Please let us know if you have any questions or if there is any way we can help.
Thanks again for your comments.
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Protect My Car has been diligent in every way where my vehicle and its service has been concussion. I even recall one incident where I had taken my vehicle to a shop that the Protect My Car staff weren't confident in because of his attempt to overcharge for the part and the labor and the Protect My Car staff were effectively adamant (they told this shyster off) and got me a more trustworthy repair company that provides better service and I still use that company to this day. Thank you Protect My Car. It's good to know that not everyone is trying to work your wallet over. Joining your company is one the best decisions I ever could have made.
Thank you very much for those comments. We really appreciate them. We do work hard to make sure that with one phone call you can get towed in, activate rental car benefits and get fast, efficient claims service, all with low monthly premiums tailored to fit your budget. That’s what we call good peace of mind. We are very happy that our company, staff and coverage has given you that. Best of all, we will be here to assist you when you next need help with your vehicle. Thanks again for your comments.
This Company continues to call me multiple times a day from many different area codes/phone numbers. I have answered the call in the past and asked to be removed from their call list and every time I have asked the calls increase to the extreme. It does not matter if I block the numbers because they use a different number each time. Stop calling people and wasting their time!!!
Our records further indicate that the telephone subscriber for the number ** “opted in” to receive information about our available products and/or to receive telephone calls from our company or one of several marketing agencies we have associated with. Please note that Protect My Car does not engage in any form of “cold calling.” or “robocalling”. Quite simply, we only call persons who have submitted their information online (through our home page, one of our various landing pages and/or through a landing page of one of our third-party marketing partners) and who have provided us with their written consent to contact them.
Based on the statements made by this individual, it can be reasonably inferred that she has been receiving calls from other companies previous to the calls made by our company. We recommend that she determine the actual identity of the companies who may continue to call her and request that each such company add her number to their own Do Not Call list. By doing so, these calls should eventually stop.
As requested, your number has been added to mour internal Do Not Call list.
I work with this company for 7 months. It took them five months to get my car repaired. They insisted on trying to use used car motors. They had one motor and it was bad and had to be sent back. It took another four months for me to get my car back. They didn't want to pay the auto company that was doing the repairs for me. They had a hard time recovering their money. They still it. To this day have not been paid in full because of Protect My Car.
Thank you for your comments. As is sometimes the case, customers may confuse our service with the shop that the customer chooses to use. We do not do the repair work, the shop does. In this instance, the claim for the replacement engine was filed on May 3. The claim was approved and payment for the engine replacement was issued to the shop on May 22, the day we received the final invoice and report from the shop that the repair had been completed. Although your shop may have told you they have not bee paid in full, the truth is we have heard nothing further from the shop since that time.We do regret that the shop you chose to use may have delayed the completion of the repair but we are glad that the coverage saved you $1,800.00. With your having paid only $350 in premiums, that is some bargain and really lets you know how valuable this coverage can be. Had you not chosen to cancel your coverage, we would have, of course, been happy to help you with the difficulties you are having with this shop.
Thanks again for your comments.
I did not authorized payment taking out my account and money was being stolen out of my account without my knowledge. So I call to ask why I was not given a answer. The customer service is rude. Supervisor did not attempt to research and attempt to resolve the issue.
Thank you for your comments. Quite obviously, nothing was "stolen" from your account. When you set up both contracts, you did, in fact, provide approval and authorization for the down payments and monthly premiums to be billed to the account you provided to us. When you sold one car within 30 days of purchasing the contract, we cancelled the contract at your request and refunded the down payment as the contract provided. When you totaled the second car we cancelled the contract at your request and waived the cancellation fee. No refund of the down payment or one monthly premium you authorized and agreed to was due at the time the contract was cancelled. We do regret that you feel our customer service agents were rude in refusing to refund your premiums. While you may certainly cancel coverage, that does not mean that paid premiums are subject to refunds. Thanks again for your comments.
I am using this insurance to help cover the repairs on a 2008 Subaru Outback, I purchased in 2018. The previous owner kept this car just good enough to run and pass inspection. So I needed to do a lot of work on it to get long term use. This required me to have a maintenance plan rather than an insurance that would only cover a perfectly good working car until it broke down. I really like working with a provider that allows me to cover repair when I can afford it. Working with a good mechanic shop is key in my situation. That I had covered. What I did not plan for was the expense of repairing this car and I am welcome to accept any help PMC provides. It also comes with a coupon reward program that does require some calling and planning. But once you get the routine it will work.
Thank you for choosing Protect My Car. Glad to have you.
These people keep calling my work phone and asking for "Anthony". My name is not "Anthony" and I keep telling them they have the wrong number. But...here comes another call from a different area code. The fake pre-recorded girl that talks the first time eventually gets me to a real person and I tell them I do not own the car they say I do and my name is not Anthony but they still try to sell me a warranty. This seems like a scam and I would never work with these people.
Thank you for alerting us to this situation. Protect My Car does not use robocalls or pre-recorded messages. We only call customers who have expressed an interest in our products. There are companies who engage in phishing schemes (pretending to call from legitimate companies) and that may be what you are experiencing. Please do not hesitate to call our customer service department so we can see if we can assist you in tracking this down and helping you deal with it.
Save your money. This company is taking people's money. You're better off saving your money every month than to pay someone who will not follow through and honor their word! All we’ve had is one excuse after the other waiting to get our vehicle that’s already been repaired. Still have not paid the repair shop. Monday morning we will be calling SIC in Florida ADA and BBB. That’s a fact!
Thanks again for your comments.
I signed up for a policy one month ago in January of 2019 and I had heard bad reviews. I forfeited my $25 deposit for the first month. I didn't make any claims and I canceled the policy last week February of 2019. They then continue to withdraw money out of my account in amount of $90. When I call to complain they said they had no record of my call which is a lie. I told them that they were to refund the money and the sales person I talk to had the client. This is fraud and for them to withdraw money of my account when I'm not locked into any sort of contract. When I told the rep that I would chargeback with my bank he then told me he dispute it and then lie to the bank.
The billing on your contract occurred on February 17, as you had previously authorized and approved. You called to cancel your contract the next day, February 18. Since your cancellation, no further billing has occured on your account, nor will any occur. You might also remember that since you chose to cancel your contract after just a month, we waived the cancellation fee.
Our agents do not, and will not, ever suggest that any customer be less than truthful to their financial institution.
Again, we regret that you had a negative experience and that you feel that was in any way the fault of our company.
WATCH OUT SENIOR CITIZEN and MILITARY. I purchased Protect My Car’s warranty to provide a financial cushion for my F250 as it reached the high mileage stage. About 2 months in, I started a claim to have my oil cooler replaced, and it turned into the most protracted, confusing, and infuriating mess I could imagine. I called the customer service to open my claim and she told me she to take it to an authorized mechanic and let me know if she needed anything further. I never heard anything from them for a week, so I assumed all was well. The repair shop followed up with the email estimate, and repairs, and I had to call claims to ascertain the status. It was then I was told that I had gone about the process wrong, and wouldn’t be covered for the cost of repairs, the shop needed to provide labor hours and part numbers. I knew something was rotten about the company, At that point, I was annoyed, but knew the service wasn’t for me.
The Company never send you any hard documentation or policy they claim they are a green company so you have to memorize the steps by to file a claim and beware if you forget one of the steps it an excuse to denial of your claim but was told how I hadn’t gone about processing my claim correctly. When I asked to speak with a manager, I was informed that it would take 24-48 hours to receive a call back from a manager, and at that point, I was done. Doing business with this company was more frustrating, annoying, misleading, and infuriating than I’d ever want to deal with again. I spoke with someone from Protect My Car over the phone. It was a good sales pitch and it worked out well. They were very professional at that time. However, nothing that was advertised actually really happened. If they went by the things that were prompt and what they have in writing, then they would be a great company, BUT it not!!!
That's a little like trying to buy auto insurance to cover an accident you had the day before.
We do email all contracts to our customers and will gladly provide a hard copy upon request.
We appreciate your comments.
I took my car in to have some work done at a Honda dealer. I got a quote before I even told them that I had an extended warranty. Afterwards the dealer tried to get the claim taken care of as quick as possible but a 2 hour repair turned into 34 hours without a car. Was told the shop sent an estimate of around 626 so I paid 313 for the deductible and the next day they still had not sent the repair approval to the dealership. I had to contact PMC to have someone call and do this so my car would get repaired. After 7 more hours I was contacted by the dealer.
I needed to come in and sign the receipt to be faxed to PMC so they could pay the remainder over the 313 (that I paid) and at that time the total charges for the repair was 487.28 which is 138.72 less than the quote they stated they got at the beginning. I have only had this coverage since Sept so with the cost of the monthly fee and the 313 I could have paid the repair myself plus the one oil change that they did so where have I saved anything. My wife was also stranded on the side of the road and the roadside rescue stated they could not find the account to get roadside rescue so I paid 800 for towing so I have spent more than PMC has on this deal. They have only done one thing - RIPPED ME OFF and made money for themselves.
Your contract says that "your repair cost for the entire CONTRACT PERIOD (after the WAITING PERIOD) will never be more than 50% of the LICENSED REPAIR FACILITY’s original estimate for repair".
The shop provided our claims administrator with a written estimate showing a total estimate of the repair of $627.24. As provided by the guarantee clearly specified in your contract (and as quoted above) your repair cost for this repair would not be more than 50% and 50% of the original repair estimate of $627.24 came to $313.62, which, as you stated was EXACTLY what you paid for this repair.
We regret that you were unable to understand that without the coverage this repair would have cost $627.24, instead of just $313.62. The additional savings ($69.98) was simply not provided for in the contract.
In point of fact, having only paid $200 in premiums, you have already saved $375, with this repair and the free oil change. Glad the coverage helped you so much.
Looking at buying an older used car. Filled out info on 5 different extended warranty sites. Got a call back from 2 OTHER companies that gave me the info in less than 2 minutes. When PMC called me, I was on the phone with them for 10 minutes getting a huge sales pitch which included savings on non-car related junk which I don't care about and don't need (and never ends up being a discount anyway).
At the 10 minute mark I had already been put on hold for about a minute to check if my car would be covered. (I had already provided ALL the details on my car through the website so they should have known by that point.) And then transferred to someone new to handle my call because I would get a Veteran discount. Too bad I had already been told the policy would be $x over y months and I am really good at math so when I was told what my special deal was as a Veteran it turned out to be less than 4% off. Wow, what a savings. It was made to sound better because the monthly payment was lower but it was stretched out over more months. I guess they figure most people can't do math in their head that fast.
At 11 minutes into the call the "Veteran specialist" asked to put me on hold so he could verify that they would cover my car. Ummm, you already did that. This is a sales tactic (second time they used it on me in the same 11 minute call) used to get people to worry about whether they can "qualify" so that when they get back on the phone and say "yes" the customer feels "lucky" and they are more apt to buy. I hung up while on hold. They tried to call me back but I don't do business with companies that jerk me around with phony sales hooks.
Oh, BTW, their price was BETWEEN the two other companies' prices and because it is an older car, PMC has a 50% deductible. The other two companies covered the same types of repairs but only had a $100 "per incident" deductible, kind of like a copay at the doctor. Sure, if I had a $100 claim with PMC I would "only" pay $50 and with the others I would pay $100, but you don't buy insurance (which is what a warranty is) to cover little repairs ($100). You buy insurance to cover the big repairs (like $500+), which would end up costing you $100 with the other guys but costing you 50% with PMC. $2000 repair? Other guys it costs you $100, with PMC it costs you $1,000. BTW, most repairs that really need to be done cost way more than $200, which is the break even point for their deductible compared to other companies.
Bottom line, I don't know about their coverage for cars that are not so old but the "old car" coverage is terrible. Their sales pitch is a waste of your time and the fringe benefits they explain to you during the sales pitch are useless. I also don't know about how well they handle claims since I am not doing business with them. I don't leave reviews all the time and when I do I usually try to be as positive as possible, but PMC's sales tactics really irked me. Make sure you shop around. PMC might end up being your best bet but I certainly won't give them any more of my time, which is more valuable than money. Plus the fact that they made a big deal out of the Veteran discount (which I appreciate) only to have it be next to nothing but made to sound better by stretching the payments out is really reprehensible.
Thank you for your comments. What sound like "sales tactics" are actually our ability to cover vehicles other companies wont, at a much lower price. We are glad you took the time to speak with our agents and hope you find what you are looking for.
In July of 2017 I took my Ford F350 Super Duty Pick-up to a local transmission and auto repair because of issues detected in rear differential. Protect My Car pressured repair facility to use substandard Chinese made parts which the owner of the repair facility refused to do. Left in limbo, and finally directed repair facility to get it done as I needed the vehicle. Bottom line is United Services Contract Group (The Claims Adjuster Protect My Car) dropped the ball and it was only after suggesting I get the State Insurance Commissioner and Attorney General-Consumer Protection Bureau involved did I finally receive a settlement nearly a year later which was only for 18% of the total cost of repair. What a JOKE!!!
We provide this service for customers all the time and always require a paid receipt in order to complete the reimbursement. We are sorry that you felt that was an unnecessary step.
Also, so you know, we only use OEM parts for repairs.
Thanks for your comments.
I chose to try PMC gold plan for 30 days. It initiated after 14 days. And they finally sent hard copy documentation after three weeks elapsed. I called to cancel after 29 days they were difficult to reach, even more difficult to get them to comply, attempting to continue to sell me on their services. Then they failed to honor their verbal contract and billed my credit card for additional month. They failed to honor their agreement with me and that would make them untrustworthy for them to hold up to their agreements. They are slow and inefficient regarding getting their customers documents, this might mean they are equally as slow in fulfilling their claims... Don't make any verbal contracts with these people, get a hard copy and read the fine print before you agree, you might need a lawyer.
We are always happy to honor legitimate requests from our customers.
Thank you for trying the coverage. We hope you find a company that you are comfortable with.
I had two previous service contracts with Protect My Car for my vehicle in the past and have never called in for a need. But the first time I called in for a need was when the cylinders in my engine went out and Protect My Car declined the service. Then, they cancelled the policy which was after I paid for two full policies. They told me it was because I changed the wheels on the car. I asked them what did the wheel have to do anything with the cylinder in the engine. They told me that I made modifications. I told them I bought it that way from the dealership and I was told that the serial number says it was supposed to be 18-inches rim but I got 20-inched rim. I was looking at a huge bill to buy a new engine.
My interaction with their staff was horrendous. They were telling me why I lied and why I falsified documents. It was when I got a little steamed because I did not lie. I talked to half a dozen reps because they come and go quickly. It was a battle and a half. The dealership was calling, kept on the phone for over an hour waiting on call waiting. Not only did they declined the service, but they canceled my policy without an opportunity for reimbursement for everything I paid for. They said they would not reimburse me because I lied even though I had the original receipts from Irvine Chevrolet, buying the vehicle as it was.
After a year of having a conversation with them, fighting it and threatening legal action, they offered that I buy a new policy. The new policy would only cover 50% but it would allow "modifications". So, I bought the policy to be able to get my engine repaired since they agreed to cover a pre-existing condition if I bought the new one. I was kind of forced to and it was a horrendous nightmare. I bought it under duress because if not, I had a useless vehicle. I told them that if we buy a new engine, I will continue to pay the monthly amount and they do not have to worry about the engine because it is a brand-new engine from GM and it is covered for three years and unlimited miles.
When we went through it after I bought the contract, they told me they found an engine in a Pick-A-Part and they said that they can get it priced at an amount and they were gonna cover 50% of it. But I told them that it was about an engine replacement. I was told that my engine was used and they were gonna buy me a used engine so we started fighting about it. I wound up paying for more than 50% of the removal replacement of the engine myself because the most they would pay for was a refurb, which I was okay with then I would pay the bill. But I kept telling him a refurb is only 90-day warranty versus the three-year warranty for a full one. So, I paid the difference.
Protect My Car changed their company name three times over the six years that I was with them. I figured that they did that was because I started doing Better Business Bureau searches and there were so many people complaining that they were changing their names only because they had bad reputation. It was a year and a half of not a good time but since then, they have done better.
Thank you for those comments. We do have thousands of contract holders and we do have to treat all of them the same. We never suspected that you were less than honest about the modifications to your vehicle. When you were initially asked about modifications (that helps us choose the right coverage for your vehicle) and did not tell us about the wheel modifications, it meant that the coverage could not assist you the way it was designed to do. We were able to change you coverage to the plan that was able to help you.
I purchased Protect My Car’s warranty to provide a financial cushion for my SUV as it reached the high mileage stage. About 6 months in, I started a claim to have my transfer case replaced, and it turned into the most protracted, confusing, and infuriating mess I could imagine. I called the rep to open my claim and she told me she would contact the dealership and let me know if she needed anything further. I never heard anything from them for a week, so I assumed all was well. The dealership followed up with the estimate, and repairs two weeks later, and I had to call claims to ascertain the status. It was then I was told that I had gone about the process wrong, and wouldn’t be covered for the cost of repairs.
At that point, I was annoyed, but knew the service wasn’t for me, and asked to cancel service. It was then that I was transferred to a retention agent who implored me to reconsider while they reviewed my claim to assist me. I relented until the next day. The next day, I was informed that my claim was approved, and that gave me a sigh of relief that at least they were applying common sense and things were moving in the right direction. They asked for my 50% deductible payment and I completed it. Two days later, PMC hadn’t paid the dealership, and my car wasn’t released, so I called claims to find out what was the source of the hold up. The rep told me that they were only paying for $335 worth of repairs. I asked them when I would receive the difference of the $1,200 that I paid and was told that I wouldn’t receive one.
The total cost of repairs was $2,490, so $1,500 was what they would cover, INCLUDING the $1,200 I had already paid them. I asked how they considered $300 above my deductible, plus another $1,000 could be considered a 50% deductible per the contract, but was told how I hadn’t gone about processing my claim correctly. When I asked to speak with a manager, I was informed that it would take 24-48 hours to receive a call back from a manager, and at that point, I was done. Doing business with this company was more frustrating, annoying, misleading, and infuriating than I’d ever want to deal with again. I’ll yell from the rooftops how terrible they’ve been.
ask you to call us BEFORE you authorize the shop to charge you the higher amount. When you authorize the initial rate the shop quotes to you, it means we cannot go to bat for you to get those costs reduced, since you already told the shop you approved of those higher rates. That's why you ended up paying more than you should have. We regret that it happened.
We are glad we were able to help you avoid most of the costs on that last repair and hope you will contact us and let us work with you when you need another repair in the future.
I had high miles on my vehicle, and I had replaced just about everything on it. It would be nice to have some warranty if something went wrong. I Googled and I probably shouldn't have done that because I've gotten about 25 calls in the last month from various warranty companies and they all pretend like I'm with them. I find it very irritating. But the reps from Protect My Car were great. They were very polite, very helpful, and they returned calls fairly quickly. It didn't take very long to process the request for the repair so they saved me time and aggravation.
thanks again for your comments.
I got a service contract from Protect My Car for my son's car. It is an older vehicle, and it had a lot of miles on it. My son went off to college, and I wanted to make sure he was covered if anything happened. Last summer, the engine died and we had to have it replaced. The process was a little daunting to get it replaced. In fact, it's back in the shop but the shop is not going through Protect My Car to get help with payment with the garage. The shop had to go back and forth with them because the vehicle ended up being a diamond amongst all the other gems. It's one of four that was made in a particular month. Had it been the end of the year, it would have been one of the many kind of engines that they could get for this car, and that wasn't the case. It was a very particular engine that had to be put into it. As far as Protect My Car's customer service, they were knowledgeable. Everything worked out.
We will be in touch to see how we can best help you with this situation.
Thanks again for your comments.
My sister was telling me about getting a service contract for my vehicle, and they had it for a while, so I decided to get one as well. I purchased from Protect My Car and my experience with their rep was great. He told me that if anything happened, I could call him and the people there would be right on it at the soonest time. So, I filed a claim when I locked my keys in the car and their reps were friendly and helpful. There was one incident where I paid the guy cash and to get my money back, he told me to call Protect My Car. But I tried to do it and it was too much. It was just $50, so I said forget it. At the moment, I still have car problems but my money is kinda tight. And the repair of my motor mounts is too expensive for me right now. Other than that, Protect My Car has been great and I’ve been trying to recommend my friends at work to them.
Thanks again for your comments.
Protect My Car was offered to me and I needed a warranty, so I took it. However, it didn't compare well to the auto warranty that came with the car from the dealership that I had prior. The manufacturer’s warranty covered more at no cost while Protect My Car had a certain percentage. I used it just for the transmission. I had to contact Protect My Car and have them contact the transmission shop. Once they got them, everything worked out then I paid my deductible. I decided to cancel my policy with them because of the price, though.
Thank you for your comments. We are glad the coverage helped you, even though your budget forced you to discontinue the coverage. As vehicles age and get more miles, coverage is very hard to come by. We are one of the few companies that help folks with older, higher mileage vehicles. We look forward to helping you again when it is right for you.
Initially, I talked to a few companies but Protect My Car had answers. It was just a better experience. It was easier to do business with them so I went with them and the person I dealt with was very knowledgeable. He was very helpful in helping me weigh the pros and cons. Plus it wasn’t a high-pressure type of sale. It was more of a relaxed conversation. He just presented the value of what we were discussing.
My vehicle is in really good shape. However, it was 13 years old when I got the warranty a year ago and I thought it was a wise thing to do. Things happen and as a matter of fact, within a year, something did happen. And the claims process was very simple. I pretty much put the repair shop in contact with Protect My Car and they worked through all the details. I had a major thing done to my car and it was painless and easy. Also, as part of that offer, there were some free oil changes. I anticipated those to be somewhat problematic. Not much is for free these days. However, it was really easy. I gave the shop the number. They called and got paid.
The customer service team was also very easy to deal with and I would recommend the company. But Protect My Car has to make it easy for the client to spend money. This is something that every business, no matter what type of business, should really consider though. They shouldn't run clients through the mill. If someone wants to spend money, they have to do everything they can to make it easy and make it a pleasant experience. I’m in customer service and that’s what I preach to my staff. I also wish the coverage was greater but 50% on a 13-year old car is pretty good. The cost is also fair and the quality of the services they've provided, to date, has been very good. So the coverage was a good investment on my part.
Please let us know what you feel would be a more convenient method of payment and we will do all we can to accommodate you.
Thank you for choosing Protect My Car.
I wanted to have a little extra warranty for my car and my mom told me about Protect My Car. Their rep was very nice, helpful and knowledgeable about the product he was trying to sell. He helped me pick the right one for my budget that will have more protection for my car. One time, I took my car to the shop and the shop sent over all the information that was wrong with my car. Protect My Car then sent the paperwork back for allowing the mechanic to fix it. They paid half and I paid them the other half. It was all handled in that one interaction. I had a good experience and I know that if anything happens to my car, I’m able to call and get help from them.
Thanks again for taking time to provide your comments.
We have high-end cars, and Protect My Car was affordable for us. Twice, I’ve taken a different car under their protection and they don’t treat us fairly. I called them with a complaint and wanted to ask questions, and they blew me off, hurried up and got off the phone. One time, I took my wife's car in and I almost had to cuss them up because we sent the car all the way to North Hollywood. The people called in and gave them the pricing, and they denied it. I had to go all the way back to North Hollywood, get the car and bring it all the way back to Lake Elsinore which is almost a two-hour drive, one way.
A couple of months ago, I took my car in to have it serviced and they denied the service. The auto store quoted them a price, so we paid half of that quoted price. Protect My Car negotiated with the auto parts store and got them to make the price lower. When they did that, we still had to pay the first negotiated price. So, they ended up paying lower, and we ended up paying more. They didn't even pay for the headlight, and I was livid. I had to pay for the headlight. Another time, we asked for a rental car and they got real busy, and then they didn’t wanna give us the car. I’ve had this service almost three years, and my wife has had it almost two because I recommended her to obtain the service. I kick myself in the butt for recommending, and that’s because of the way that they treat her and myself.
Please call anytime you have a question as to what is covered under your contract, or simply read the contract. It explains Headlights, tires and non-mechanical components are not covered.
We are glad that on the four claims you have filed you have already saved over $2,100.00. That's more than double what you paid for the coverage.
That's how good coverage should work.
Remember, too, that the guarantee is to save you 50% of your shops estimate. We do that by reducing parts and labor costs and paying the balance in cash. That's why you only paid 50% of the original estimate.
I needed to take care of some repairs on my vehicle and I didn’t feel that I needed to pay the full price, especially when I first purchased the vehicle and within three months, I had to rebuild my transmission. I shopped around and found Protect My Car. There are other programs out there that might be a little bit better, but I already hooked up with them. And even though I looked around a little bit, I went for the first thing I found because I was in a hurry to get my vehicle fixed.
The only problem I had is that not too many shops accept their program. It’s also a little pricey for the monthly on certain things that I can’t get done. I’d still have to pay almost two grands a year. When I take it in to get work done, I have to pay half so I would think that part of that money would go towards the payment for the repair. But the quality of the service is good. They’re quick at responding when I take my car in to get the work done and paying things. I’m a mechanic myself so I know more or less how things work. Protect My Car is a good program.
Thanks again for your comments.
I wanted to have extra protection for my car and I couldn’t find any other provider so I got Protect My Car. I used them only once and I’m thinking about canceling it. When my car’s transmission went out, it was a big runaround. I had to be there with the company who was working on my car. Then, they couldn’t get a hold of the correct person at Protect My Car. They kept on transferring over and over. The whole thing went from being 10 to 15 minutes to a whole hour, just for the shop to get a hold of someone on their side to help out with the payment.
Protect My Car could make it a quicker process with all the technology we have these days. The whole payment system can be improved. They have you call one person, and that person has to transfer you to another person. So, it’s like the big loop around. You pay for this convenience and it’s not even convenient. They give you a hard time just to pay for something and I’m paying monthly for this.
Thank you for choosing Protect My Car.
My warranty ran out and I got Protect My Car because of their price and their coverage. My interaction with their sales rep was great. He was informative, told me what I needed to know and convinced me to buy their product. They let me know all the things that were covered, and that's exactly what I needed to suit my particular year, make, and model of my vehicle. And it was better than the other that I had because I got the highest level of protection that I could from my year and the mileage. So I was all in.
Purchasing the protection was great. I had a claim and it was about four things that the mechanic found that needed servicing, and Protect My Car took care of the claim. It was a bit of a struggle but it worked out in the end. The only problem that I had was when it was time for the claim. They kept giving the mechanic trouble. They kept sending inspectors out so I wound up having my rental for about 10 days. It was about $400 for my rental but they only covered $100 of it. Nonetheless, the quality of their service was great. I feel comforted. Since I started using Protect My Car plan, I definitely feel more secure knowing that my car is covered at the end of the day.
Thanks again for your comments and for choosing Protect My Car.
Protect My Car Company Information
- Social media:
- Company Name:
- Protect My Car LLC
- Company Type:
- Year Founded:
- 570 Carolline Parkway
- Postal Code:
- United States