Protect My Car

Protect My Car Reviews

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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

    Featured Reviews

    Dolton, IL

    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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    Palm Bay, FL

    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

    Stars Rating

    • 39%
    • 11%
    • 9%
    • 5%
    • 36%

    Popular Mentions

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      How do I know I can trust these reviews about Protect My Car?
      • 4,464,628 reviews on ConsumerAffairs are verified.
      • We require contact information to ensure our reviewers are real.
      • We use intelligent software that helps us maintain the integrity of reviews.
      • Our moderators read all reviews to verify quality and helpfulness.
      Page 1 Reviews 0 - 10

      Reviewed May 30, 2024

      Keep your money! The customer service is bad and they are still sending me statements after canceling my account several months ago reflecting I have a past due amount. This is not accurate if I cancelled my account without owing any payments. However, whenever I call and request to speak to a manager about the incorrect statements, they hang up the phone.

      Customer ServiceCoverage

      Reviewed May 17, 2024

      I do not recommend this extended warranty; it is horrible. Firstly, just getting them to answer the phone is a challenge. When you start reading the reviews on various review websites, you realize that getting an extended warranty policy from this company is a failure. I don't recommend this warranty to anyone in the United States of America. When you have a problem, that's when the real nightmare begins. That's when you find out what is and isn't covered. When they sell you the warranty, they don't provide specific information; they only send it to you in English. When you call with a problem, there is no customer service in Spanish. However, when they sell you the policy, there are plenty of Spanish-speaking specialists available. I do not recommend this warranty.

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        Customer ServiceCoveragePricePunctuality & Speed

        Reviewed April 22, 2024

        I wouldn't use them. Waited over a month to receive an answer. That should have been given next day. They expected me to leave my car at the shop, the entire time. We could not wait as long as it took to make a decision. My wife needed a way to and from work. Driving the car during this time has not caused any further damage. only cost myself a little money in oil purchases. After 38 days they would not cover the repair, because we had driven the car.

        Customer ServiceClaims Handling

        Reviewed April 16, 2024

        Dreadful customer service with extensive phone wait time and rude representatives, particularly their rep/adjuster named "JSharpe" who was utterly nasty to us when dealing with him regarding a claim for our customer. He's unmannered, speaking over us, constantly ignoring all of our emails regarding our claim and ultimately bad mouthing our shop to our customer. Our customer will no longer be using this company after this experience. Jsharpe's conduct reeks of unprofessionalism and shouldn't be working a customer service based job with his terrible attitude. Spare yourself the frustration and seek out a different company; this one falls short in every aspect.

        Customer ServiceCoverage

        Reviewed Jan. 12, 2024

        They denied (2) of my service needs, the supposed supervisor "Jamari" was condescending from the beginning. No customer service excellence and a very egotistical attitude when dealing with customers. Note: They didn't cover a transmission issue because it wasn't written specifically out in the verbiage.

        Verified purchase
        Customer Service

        Reviewed Oct. 16, 2023

        Hello Team, I bought my policy on 20th Dec 2022 and I sent an email to on 18th Jan 2023 to cancel the same, within 30 day free lookup period. But it never got cancelled and they are still charging me the monthly payment. I called the customer service and mentioned same so they ended my call abruptly. Please look into same and help me resolve my concern. Thanks!

        Customer ServiceClaims HandlingCoverageOnline & App

        Reviewed Sept. 30, 2023

        I would like to re-protect my car. I’ve been a client with them for a while. They do well with the oil changes that they offer for free but they do not do well with their claims and dealing with your car not once, but twice that I have to sit for almost 4 weeks before I got a response a phone call and email anything while they state that they called me but they didn’t. I’ve been waiting for three weeks for my vehicle for them to tell me that I was behind two payments, which I caught up due to financial struggles. Instead, they didn’t work with me as a client. They work with me as a customer, they didn’t care about my circumstances or my situation. Instead, they brushed me off and not once, but twice my thermostat went down, so I covered that the first round the second time which is now currently my radiator.

        They made the shop do a compression test and said that it was under the voltage or a value of what it is that they cover, and they didn’t cover my radiator, making me kick out $184 for coverage on a premium. And also having to pay $250 deductible for them to turn around and tell me they’re not gonna cover it actually is, the shop itself didn’t get a phone call, no message, left no email, no anything stating they're not covering anything. Instead I’m sitting here waiting and then be informed that I have to pay over $1300 to get my car back for a part that is covered with my radiator has never been done. If I have to write Protect My Car run I read them and one for caring about the clients in any shape, form or fashion. They have done nothing except take my money.

        I haven’t helped me. Haven’t cater to me as a customer. Haven’t done anything of what they state so now I am one pissed-off consumer as a single mom with kids that has no vehicle for a part that was simple to cover, and they didn’t work with me on. I was informed if I came up with my deductible and made my two payments, they would authorize the repairs but instead, they didn’t do that they said it’s gonna be the customer's responsibility when I’ve lost a job, that’s my only means of transportation text my car did not care at all and now I’m stuck trying to figure out how to get my vehicle back, when they’re towing company is the one that came in, obtained my car over three weeks ago. All I got was what they can’t do for me not one time were they proactive to say, "Hey we understand. Everyone’s having rough time, is this is what we can do." Instead, they just do me to the walls.

        I will be dropping coverage immediately and filing a complaint, even further from what is on the website, I have been bamboozled out of my money on multiple occasions. What is the point of getting an extended warranty to pay every month on not just one by two cars and have no rectification for what they publicize and not actually even follow through with. Finding every reason why not to fix the customer's car when they obtain their money for their monthly premium, which is the part endpoint of paying to obtain coverage to save on the major parts of a car. I was informed to go obtain service records all over the green earth and I had just gotten my car fixed last month.

        Went to filing a claim with Protect My Car for them to turn around and state they don’t cover the thermostat. I cough that one up but I know that they cover a radiator and alternator and my issue was a radiator. Consumer out here in the world paying money to companies you expect that they’re going to work for you and that your coverage is what they state they’re going to provide or do even if it is the minimal going the extra stretch going the extra mile shows customer satisfaction, but Protect My Car lacks that an entirety.

        Profile pic of the author.
        Sales & Marketing

        Reviewed Aug. 29, 2023

        I absolutely love it with all the free stuff. All the on the go coupons just overall awesome. Didn’t even know it existed. Glad I found out because I’m taking advantage of my points and gonna put to use.

        Customer ServiceTechPrice

        Reviewed June 30, 2023

        After being a vendor for Protect My Car for a very long time, I will no longer accept them in my facility. It has taken me 9 days to receive payment for a simple oil change. I used their portal to submit the invoice, called and was on hold anywhere from 20 minutes to over a hour. I can't stay on hold for that long at a time waiting to speak to someone. Their portal doesn't work properly and will not accept any pricing you add to it. This is why I will never accept them ever again.

        Claims HandlingPunctuality & Speed

        Reviewed June 20, 2023

        I got my Ambassador Platinum policy with PMC 2/8/2022 with 121,000 miles on my car. I informed them that I use my car for work. Now that I need a transmission repair they have told me that I did not follow my owner's manual for "Severe driving" scheduled maintenance which was a transmission flush every 30,000 miles. The problem is my driving habits for my job do NOT fit the guidelines for the "Severe driving" schedule. But PMC has decided that just because I am a Courier, I automatically have to follow that schedule. I have spoken with the Manufacturer on this and they said my driving habits are under their "Normal" maintenance schedule, but PMC refuses to look into this. They said once denied, it won't be overturned.

        I have been paying for a contract that was already Voided when I signed it, (because under Normal maintenance my car got its 1st transmission flush at 130,000 miles) based off the reason for denying the claim. They told me it wasn't their fault that I didn't follow the proper maintenance schedule from my manual, even though my driving habits DO NOT meet that type of schedule. If you use your car for work, I would steer clear of this company.

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          Protect My Car Company Information

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

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