Protect My Car

Protect My Car Reviews

Protect My Car Reviews

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Overall Rating3.9 out of 5
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About Protect My Car Reviews

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.

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

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Verified purchase
Customer ServiceCoverageTechPricePunctuality & SpeedRefunds & Payouts

Reviewed 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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    Customer Service

    Reviewed Dec. 20, 2022

    I got the best package at a discounted low rate. Customer service is friendly, professional, helpful and easy to reach. I have yet to file any claims, I will update my experience if I do. I feel completely secure knowing I have them as backup. They were highly rated on reviews and the BBB.

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    Protect My Car
    Response from Protect My Car

    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.

    Verified purchase
    Customer ServiceCoverageTechPrice

    Reviewed 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.

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    Protect My Car
    Response from Protect My Car

    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.

    Verified purchase
    Customer ServiceCoverage

    Reviewed Oct. 27, 2022

    The sales guy wanted us to sign up right then and there but I wanted to do my own research and he allowed us to just give him a call back once we decided that we like Protect My Car. After that, it was easy. When we filed claims, whatever we wanted covered got covered. There was one issue with the AC that they said wasn't something they were going to cover. But it saved us a bunch of money and it was easy. Even our mechanic who we've used forever so that the process was simple. The wait was a little long but it was good overall.

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    Protect My Car
    Response from Protect My Car

    Thank you very much for your kind comment. We make it our mission to provide outstanding service and needed help to all policyholders. We are very glad the policy, our staff, and our services have been of help to you. Your peace of mind is always our most important goal. Please let us know if you have any questions or if there is any way we can help.

    Verified purchase
    Customer ServiceCoverageTechRefunds & Payouts

    Reviewed Oct. 3, 2022

    My car broke down once and they sent someone out to get my vehicle. They towed it to the closest dealer and they fixed it. I was also able to get a free oil change. Then they're gonna reimburse me for the ones that I got that I had just paid for so I emailed them all of my receipts and I'm in the process now waiting on that reimbursement. They were also willing to work with me when the place where I was getting an oil change was the one that was being impatient. I love them.

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    Protect My Car
    Response from Protect My Car

    Thank you for sharing your experience. We have shared those comments with Krista and to let her know how much her efforts are helping our policyholders when they need that help. We look forward to assisting you in the future. By the way, if you know friends or family who might benefit from a policy, please tell them about us. We will treat them with just as much respect as we do you. Remember, if you refer someone who purchases a policy, we thank you by sending you a Visa gift card. Thank you for your comments. We appreciate them very much.

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    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.

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    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.

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    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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    Customer ServiceClaims HandlingCoverageTechPunctuality & SpeedOnline & App

    Reviewed May 30, 2023

    Protect My Car's rep was excellent as far as explaining everything to me. When I needed to have service for my air conditioner, the people that I had sent the car to were trying to get in touch and it was taking them forever to reach somebody. So, I called Protect My Car myself and I was on hold for almost a hour. I finally got in touch with somebody and the guy told me I had to go online, go to, and register. So, I did it. But he didn't tell me that the people who had the car had to do it up under them as the vendor. Once I finally got in touch with Protect My Car about that, the next day, they got everything straight and situated.

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    Customer ServicePrice

    Reviewed May 29, 2023

    I wasn't happy with their service. My engine was fixed a few years ago and it died again. I went to get all the paperwork and I didn't understand what happened but they said that they don't have the right to fix it. I just canceled them. I've been paying them for years and my car engine died and they didn't care. Also, every time, getting an oil change was a problem. I get in contact with them and they make excuses for certain stuff. It was good with them in the beginning but then I was there for a while and it stopped being good. I won't recommend them to anybody.

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    Protect My Car Company Information

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