Protect My Car

Protect My Car

 3.2/5 (129 reviews)
Protect My Car

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Overall Rating3.2 out of 5
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About Protect My Car

Protect My Car is a premier vehicle service contract provider that states its goal is to “change the game” with advisors who place the customer first and help minimize uncertainty from unexpected costly repairs. The company aims to provide a hassle-free claims process and ongoing customer service.

Pros & Cons


  • All services provided by Protect My Car employees
  • In-house claims process for smoother experience
  • Free oil changes and tire rotations with all policies


  • Does not cover preexisting conditions
  • Not available in AK, CA, HI, MO, OK or WA

Bottom Line

Protect My Car warranties cover vehicles up to 20 years old with up to 200,000 miles and include flexible payment plans and a 30-day money-back guarantee. You can transfer the policy if you choose to sell your car.

Top Protect My Car Reviews

Rated with 5 stars

It has been a pleasure to work with the reps. They are kind, courteous and informative. Submitting claims has been quick. They have been right on it. They work with you. The quali...

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Rated with 5 stars

I did a little research and I found out that Protect My Car was the best value for the money so I went with them. They explained what the contract was all about. They told me how ...

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What is Protect My Car?

Protect My Car is a vehicle service contract provider that has multiple coverage plans to help meet any need and budget. Once you become a Protect My Car customer, you work directly with the company for customer service, claims administration and contract financing. You don’t have to work with a middleman or seek third-party approval for repairs.

Protect My Car payment

Coverage plans are available on the company’s website or by contacting a Protect My Car advisor. The process begins with a free quote. Protect My Car has plans with and without deductibles.

We received example quotes for coverage for a 2018 Honda Civic:

  • For a Supreme plan for a Civic with low mileage (e.g., 30,000 miles), we were quoted $91.15 per month for 48 months, with a $99 down payment and a $100 deductible.
  • For a Select plan for a Civic with average mileage (e.g., 75,000 miles), we were quoted $98.48 per month for 48 months, with a $99 down payment and a $200 deductible.
  • For a Driveline plan for a Civic with high mileage (e.g., 175,000 miles), we were quoted $120.39 per month for 48 months, with a $99 down payment and a $200 deductible.

Protect My Car has a 30-day money-back guarantee. This is standard among extended auto warranty companies and lets you cancel your plan in the first 30 days. This is helpful in case you decide that a car warranty isn’t right for you.

Because Protect My Car is a direct provider, it can work directly with you to come up with a payment plan.

Protect My Car coverage

Protect My Car has coverage plans: Supreme, Select and Driveline. Your available plan options will vary based on your car’s mileage. Each plan comes with 24/7 roadside assistance, free oil changes and free tire rotations.

  • Supreme is the company’s most comprehensive plan and is available for vehicles with lower mileage. The company advertises this plan as the closest thing to a manufacturer’s warranty; it covers components including high-tech electrical parts and the turbocharger. The plan has a $100 deductible, after which Protect My Car pays 100% of all covered repairs.
  • Select is a midlevel plan for vehicles with average mileage. It covers components of the engine, transmission, drive axle, steering, air conditioning and heating, front and rear suspensions, fuel system, brakes, cooling system and electrical system. Protect My Car pays 100% of covered repairs after you pay a $200 deductible.
  • Driveline is designed for vehicles with higher mileage and up to 20 years old. It covers the engine, air conditioning and heating, transmission, fuel system, electrical system, cooling system and drive axle.The company pays 100% of all covered repairs after a $200 deductible.

Once you sign up for a plan, you have to wait 30 days, drive 1,000 miles and make the first month's payment before making a claim, although roadside assistance is available immediately. The roadside assistance benefit includes fuel delivery, tire changes, tow services, vehicle lockout services and emergency jump-starts.

Protect My Car does not offer coverage for vehicles in Alaska, California, Hawaii, Missouri, Oklahoma or Washington.

Protect My Car FAQ

What does Protect My Car cover?

Protect My Car offers three vehicle service contract plans. These plans pay for repair or replacement of covered parts (including labor) after a mechanical breakdown. The repair must take place at a facility with certification from the National Institute for Automotive Service Excellence (ASE).

Who owns Protect My Car?

Crestview Partners, a private equity firm, acquired Protect My Car in September 2018.

How do I cancel a Protect My Car policy?

You can cancel a Protect My Car policy by calling the company. You may be required to fill out a cancellation form and send it to Protect My Car. If you cancel within the first 30 days, you will receive a full refund. If you cancel after 30 days, you will receive a prorated refund, minus claims paid and an administrative fee. Keep in mind that if you sell your car, you may be able to transfer your policy to the new owner. Call Protect My Car if you want to transfer the contract.

Is Protect My Car legit?

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, the company offers flexible payment options. Its plans offer a wide variety of coverages that will please most customers. Overall, Protect My Car is a solid choice for those seeking an extended car warranty.

Protect My Car Reviews

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Page 1 Reviews 0 - 5
Rated with 4 stars
Verified Reviewer Verified Buyer
Original review: May 1, 2023

Initially, when I signed up with Protect My Car, I gave the rep my mileage. But the guy fat-fingered it. The mileage was wrong to the point where I had to put on almost 1,000 miles additional to the 500 I had to do just to make sure everything was okay. But I like the free incentive of the oil change from Protect My Car.

Recently, one of the shafts on the driver’s side was busted or leaking. I got to my Nissan dealership right here locally. It cost over 1,000 plus dollars to get it done. My deductible was 100. I called, got it set up and it was taken care of.

However, recently it has been really bad with communicating with Protect My Car. I came on a Wednesday to get the car repaired. The guy at the dealership called. He eventually got someone before I was about to leave. The guy started doing the thing. The phone call dropped. Everything got messed up. I ended up going home and not getting the car repaired.

I came back Friday. He had the authorization number and they took my car. They offered me a rental car. But I live no more than 10 miles away from the dealership. So I had my family come and get me. I made my way to work, came and picked up my car that Saturday. The issue was Saturday, I couldn't even come and get my car because even though they gave an authorization number, they never cut the check. I ended up waiting till later on that night before, almost before they close to get somebody. I even had to call and leave a message to Protect My Car to cut the check. They gave the authorization number, but they never cleared the check with them. It was really bad. But I definitely would suggest Protect My Car to others. At the end of the day, it's worth it.

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    Rated with 5 stars
    Verified Reviewer Verified Buyer
    Original review: Oct. 28, 2022

    The young rep from Protect My Car that I worked with simplified the protective coverage for the vehicle for my understanding. When I called the company back to upgrade the coverage for it, it was again explained and simplified for my understanding. I used the service recently at the dealership because the horn stopped working. There was also another issue. The dealer had to order a part for the vehicle. It took the dealer longer to order the parts than it did for Protect My Car to authorize the work to be performed. Protect My Car also paid for three days for a rental vehicle. I would definitely recommend them. It's very valuable to me because it definitely saved me. The total cost for repairs on my vehicle was close to $3,000. So it was definitely a money-saving issue, that I did not have $3,000 to pay for the repairs on my vehicle.

    Protect My Car response

    Our primary goal is to give every policy holder good peace of mind. Great rates, towing, rental car benefits, oil Changes, fast claims processing and the personal touch are just some of the ways we help provide good peace of mind. Best of all, when you do have a problem, it’s nice to know that with one phone call you can get towed in, activate rental car benefits, and get fast, efficient claims service. That’s what we call good peace of mind. Thank you so very much for your comments.

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    Rated with 4 stars
    Verified Reviewer Verified Buyer
    Original review: Sept. 13, 2022

    Protect My Car is good. I got off with a bumpy start, but it's understandable. It was my first time filing a claim. It was for the CV axle. They needed me to send in proof that I maintain my car. It was so stressful because the place that I took it to, which is supposed to be a big place, Big O Tires, didn’t put mileage on the paper so my car wasn’t being fixed. I’m a full-time student, and I was without a car for a while. I had to go back to the place to tell them they didn’t put the mileage. They had to write out something with their letterhead showing that one of their employees messed it up and didn't put the mileage on there, that I brought my car there to get fixed. I felt they were not trusting my word.

    When I filed a claim the second time, I didn't have any issues. I didn’t have to go through anything. The people there messed up, but they didn't stress me out. The shop called in the claim, spoke with someone and got an authorization but found something else and fixed it, too then called back. They took three weeks going back and forth but Protect My Car went on and paid for it.

    I got my payment set up for auto pay before the date that I wanted it. I wanted them to take it out on the 1st, but my due date is due at the end of the month. They won't change it. I don't like that I have to keep calling instead of them being able to change it to the 1st. That wasn't explained to me when I got it. If it would have been explained to me, I would have waited till the 1st to call back because I knew that that's the day I wanted it.

    Protect My Car response

    Thank you for bringing this to our attention. We apologize for any delay that you experienced. We do keep with industry-standard coverage requirements. These requirements are that every customer maintains and services their vehicles following the manufacturer's guidelines, with verifiable receipts. During your policy purchase, this information is addressed in the Recap and outlined in your policy booklet. We are delighted to have been able to help you with the repair of your vehicle. And look forward to being there for you when you need us. If you have any questions or concerns, please don't hesitate to call our Loyalty department at 844-556-4762. Thank you for being a valued Protect My Car customer.

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    Rated with 5 stars
    Verified Reviewer Verified Buyer
    Original review: July 1, 2022

    Protect My Car contacted me, so I asked them a bunch of questions, what they all cover, and explained to them at the time that my husband was laid off. We were on a fixed income. Protect My Car cost more, but it covers more. They had more local places that they covered. And they said, "We are rated number one. We got an A in the Better Business Bureau." But when I checked it out, I confirmed that they got an A, but it wasn't by the Better Business Bureau. It was just an A on there. Because usually, the BBB has their way of giving A's. My husband looked up that part, and I had explained to him. But the BBB didn't give them that A.

    But all in all, the sales representative was friendly. He gave me his personal number and canceled our CarShield for us. We were trying to get out of payments and not have anything. Money was tight when we were trying to send out our bills. But the outcome would have been either way. It's still cheaper than CarShield was as far as to get the car fixed. If we had any issues, they covered more issues than CarShield did and that would help us financially when it's time to get the car fixed. We won't have to pay as much in the thousands and stuff because we live from week-to-week kind of family. We're old people and week-to-week with a ADHD grandchild that will be 12 in December.

    We get so many free oil changes through Protect My Car and I'm about to see if that works because I just got an oil change when we started them. And they offer so many free oil changes through different places and it happens to be one of the places we go to. So, I'm gonna see if that part works here soon. But so far, it has been a good experience. The one that gave this great sales pitch, I have his direct line and who to contact if there were any problems or issues.

    Protect My Car response

    Thank you for the 5-stars and for choosing Protect My Car. We are glad you are with us and will continue to work hard to meet and exceed your expectations. Please call us anytime you have any questions or if there is anything we can do to help out. We appreciate any and all feedback and suggestions from our valued customers. Thank you again for your comments.

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    Rated with 5 stars
    Verified Reviewer Verified Buyer
    Original review: July 1, 2022

    Protect My Car sounded as if they covered the most for the prices, that I got the better price for the value. One of the deal breakers would have been mechanical stuff. Protect My Car gave me a good rate for the majority of mechanical things being covered. I got the extensive coverage plan. The rep was extremely knowledgeable. Our conversation was more than just about the car. He showed me the benefit of selecting the higher-tiered package. He also gave me information about potential discounts that I would get. I had a good experience. I have recommended Protect My Car to friends.

    Protect My Car response

    Thank you for taking the time to share your experience with Protect My Car. We make it our mission to provide excellent service and needed help to all policyholders. We are thrilled that the policy, our staff, and our services have been of help to you. Your peace of mind is always our most important goal. In addition, we appreciate that you referred friends and family to us, and we will treat them with just as much respect as we do you. Remember that for every referral that uses your name and phone number to sign up and then completes their grace period, you will receive a $100 referral bonus. Please call us anytime you have any questions or if there is anything we can do to help. We appreciate any and all feedback and suggestions from our valued customers. Thank you again for your comments.

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    Rated with 1 star
    Verified Reviewer
    Original review: May 19, 2023

    Thus company only favors to new customers. They’ll answer the phone to new customers only. They don’t cover what they say they do, and even the things they say they cover it takes them a million years and many re-claims to even cover it. They want you to pay upfront for any expenses, which they advertised you shouldn’t and to anyone complaining they say you have a year of free oil changes when they won’t cover that up front either. I’m canceling and all of you should too. My transmission has never gone out in my truck, but just 2 free oil changes a year to get them to pay for after paying out 1.5k a year to them shows me they won’t be there to pay out on the nose for any high bills I pay them to pay the companies for won’t happen.

    I’ll still have surprised bills, without a car, because I can’t pay up front and they can’t answer the phone to help me! But it tells me all this company will pay for is oil changes after you’ve paid that a year and maybe your payment will be compensated three months after yiur oil change. It’s like they’re using AI to pander to new customers in order to carry out their Ponzi scheme. Notice all replies are to 5 star new customer ratings. I’m reporting this company as a Ponzi scheme company and canceling any money I have to send them. I’m done with this company. My transmission replacement should happen when I lay month after month for it and it’s in my coverage, however I talked to many that went with this company that said they still had to pay thousands up front and battle it out to get their Money back for months of no answered phone calls too on top of them being broke to even file a law suit.

    This company is a fraud. Go with a company that will pay up front and not make you wait and wait and wait and wait over the phone to even talk to them. They’ll not make you wait to start the account, but I acted like I was a new customer just to get them on the phone and told them the problems I was having just to get my two free oil changes and they immediately transferred me to a line that didn’t answer and I know that line didn’t answer after I let it stay on hold for over 8 hours! This company is a fraud! It’s a fraud! They run a Ponzi scheme off of the poor and just let the, wait on hold for hours as they try to compensate for a year of free oil changes thst they already promise and yet you have to pay up front and it takes for ever to pay out. Seriously this company is criminal.

    Don’t go with them. You’ll get your payout for your free oil change after so many denies for your free oil change in claims that it’s not worth it. All the while they’ll take your monthly payment of 85$ of course they have AI on their phone line side to at least answer your call for the first year of service so you don’t catch on to their scheme! That way you feel secure in them until the second year. This company is bad bad bad news. Notice they only reply to 5 star ratings. That’s because the ratings were given the first years and they give a link to this site so they give the ratings to this site to keep up their Ponzi scheme!

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    Rated with 1 star
    Verified Reviewer Verified Buyer
    Original review: May 16, 2023

    I wasn't pleased with our last experience with Protect My Car. We dropped our car off to get a service. It took about a week and a half. The motor in one of the retractable side mirrors wasn't working. Protect My Car said it was not covered because it's a body of the car. I also had to pay a diagnostic fee which was $280. Additionally, you're not getting what they promise that you'll have rent-a-car coverage. That's a fictitious, made up coverage that you're not gonna be able to use. They were saying that rent-a-car is only covered for the work that was done. It is ridiculous because that's saying that you get in there and the dealership is gonna work on your car right away. We had to pay for the rent-a-car because it was only four hours of work. I had to put $337 on a credit card which is gonna cost interest. It's a slap in the face twice. After this is over, I'll be dropping Protect My Car.

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    Rated with 1 star
    Verified Reviewer
    Original review: May 12, 2023

    To get your car repaired using this warranty is impossible. My car has been at the shop for 2 days because they can not file a claim. You have to wait over an hour to talk to someone in customer service who then can not answer any questions so they pass you on to another department that you have to wait another hour to talk to. Your repair shop when they call the number given to them to file a claim had to wait 2-3 hours to speak to someone and the portal they want the repair facility to use doesn't work. So the only person that can start a claim is the repair facility and they did not have the time to wait 2-3 hours to speak to someone to file a claim.

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    Rated with 3 stars
    Verified Reviewer Verified Buyer
    Original review: May 5, 2023

    I've been happy with Protect My Car. I just got caught up in a glitch. It took a month and a half for me to get someone on the line to let them know that I needed a claim service. The auto mechanic that did the car and I both called. He was also on the portal. Because when I got them on the phone one day, which was a shocker, and she said, "Tell him he needs to go online and make an account, and then he can file, send in the part number and how much it's gonna cost and pictures." It took another three weeks before we were able to get back with them again on the phone. One time, I stayed on the telephone for over an hour. And while I was on the line, I started out with 11 minutes. 20 minutes later, I was caller number 65, I had an hour 20 minutes of wait time. Instead of a time decreasing, it increased.

    I went to a customer service rep who had knowledge of what to do and how to do it, which was how I got to the people that do the claim division. She knew what to do and how to do it. She emailed them about the claim, and I got my mechanic, got a phone call from them, the representative called me and let me know that it had been approved and he was sorry about what went on. They were merging with another company, so a lot of things had been going on with the website. My mechanic could not get through the website because it kept saying the website was down temporarily. But it had been for a month and a half. The rep also said being that I have never filed a claim and I've been with them since 2020, he said, "We've never had any complaints from you, and we're gonna go ahead and gonna give it to you."

    Protect My Car covered everything. I needed a tune-up, I had to pay for that out of pocket. And I had been going to this mechanic for many years, he gave me a $500 discount. The boot and the oil change, they paid for. But we still run into issues because the reps don't know how to assess a claim. The people that answer the phone go on the script. And they don't wanna know more.

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    Rated with 5 stars
    Verified Reviewer Verified Buyer
    Original review: May 4, 2023

    The rep who got me set up was very helpful. The only issue I had was I was supposed to have a service that was zero deductible but when I got my car, they said I had a $100 deductible on it. Also, they're a little hard to get in contact with sometimes. But other than that, I haven't had an issue. I got my free oil change and tire rotation the other day and the place where I took my car said that getting the claim approved with Protect My Car was one of the easiest processes she's ever done. She said once she entered the information, it took less than 15 minutes for a response from them.

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    Protect My Car Company Information

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    Company Name:
    Protect My Car
    Company Type:
    Year Founded:
    570 Carillon Parkway
    Saint Petersburg
    Postal Code:
    United States