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Protect My Car
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Protect My Car

 4.5/5 (257 ratings)
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Protect My Car

About Protect My Car

Protect My Car is a premier vehicle service contract provider. The company's goal is to eliminate the worry of being financially responsible for an expensive mechanical breakdown. With a Protect My Car extended auto warranty, you don’t have to worry about being fully burdened with the cost of a covered repair.

    Overall Satisfaction Rating

    • 5 stars
    • 4 stars
    • 3 stars
    • 2 stars
    • 1 stars

    Pros

    • Specialized plan for older cars
    • Low down payment
    • Long payment plan

    Cons

    • Not offered in all states
    • Mileage limits on lower side

    Bottom Line

    Protect My Car warranties cover vehicles up to 10 years old with up to 125,000 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

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    Rated with 5 stars
    Verified

    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
    Verified

    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 an extended auto warranty company. It offers a variety of plans that cover both newer vehicles and older, high-mileage vehicles. Protect My Car directly administers its policies, meaning you don’t have to work with a middleman or seek third-party approval.

    Protect My Car payment

    You can request a free online quote from Protect My Car. The company has an average down payment of $69, which is low compared with other car warranty companies. The daily cost for a Protect My Car plan ranges from around $2 to $2.75, and the deductible for its vehicle service contract is $100 or $200 for all covered parts, repairs and labor. The company’s Ambassador plans, which are geared toward maintenance, have a deductible of either 25% or 50% of the costs for covered parts, repairs and labor.

    Protect My Car has a 30-day money-back guarantee. This is standard among extended auto warranty companies and allows you to 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 warranty plans

    Protect My Car has six plans: three traditional extended auto plans and three maintenance-focused plans. Its traditional plans cover vehicles with fewer than 125,000 miles and under 10 years of age:

    • The Driveline plan is designed for vehicles with over 80,000 miles. It covers the engine, transmission, transfer case, drive axle, air conditioning and heating, cooling system and electrical system.
    • The Select plan offers everything the Driveline plan offers, plus coverage for the front and rear suspension and select brake system components.
    • The Supreme plan covers everything covered in the Select plan, plus the turbocharger. Navigation system coverage is optional. This plan is the closest Protect My Car offers to a manufacturer’s warranty on a new car.

    All Protect My Car warranty plans include roadside assistance, rental car coverage, oil changes and tire rotations. See the table below for differences in these plans.

    DrivelineSelectSupreme
    Front and rear suspension
    Select brake system components
    Turbocharger
    NavigationOptional
    Driveline
    Select
    SupremeOptional

    The Ambassador plans are designed for most vehicles, regardless of the model year or the mileage. Protect My Car refers to Ambassador plans as “maintenance plans,” but they also cover breakdowns, paying a percentage of the cost of repairs.

    Ambassador plans cover the engine, transmission, transfer case, drive axle, front and rear suspension, cooling system, electrical system, heating and cooling systems, select brake components, the timing chain and the turbocharger. They also include three oil changes per year, two tire rotations and rental car reimbursement.

    • The Ambassador Platinum plan has a deductible of 25% of the cost of repairs.
    • The Ambassador Elite plan has a deductible of 50% of the cost of repairs.
    • The Ambassador Pro plan has a deductible of 50% of the cost of repairs, but it doesn’t include roadside assistance.

    Protect My Car coverage

    Protect My Car’s extended auto warranty plans cover vehicles up to 10 years old and with up to 125,000 miles. Once you sign up for a plan, you have to wait 30 days before making a claim. Roadside assistance is available immediately. Ambassador policyholders have a 15-day waiting period.

    Protect My Car’s roadside assistance comes with all Protect My Car vehicle service contracts and is also available with two of its three Ambassador plans. This includes fuel delivery, tire changes, tow services, vehicle lockout services and emergency jump-starts. If your car is in the shop for repairs for four hours or longer, Protect My Car provides rental car reimbursement.

    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: Driveline, Select and Supreme. Each covers the engine, transmission, transfer case, drive axle, differential assembly, cooling system, air conditioning and heating, electrical system and timing chain. The Select plan adds coverage for the front and rear suspension and select brake components. The Supreme plan covers everything in the Select plan, plus the turbocharger. All plans include roadside assistance, rental car reimbursement, oil changes and tire rotations.
    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 Driveline, Select and Supreme plans offer a wide variety of coverages that will please most customers. The Ambassador plans appeal to those with older cars or cars with higher mileage. Plus, the contract waiting period for Ambassador plans is only 15 days. Overall, Protect My Car is a solid choice for those seeking an extended car warranty.

    Protect My Car Reviews

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    3 featured reviews
    How do I know I can trust these reviews about Protect My Car?
    How do I know I can trust these reviews about Protect My Car?
    • 3,304,235 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.

    For more information about reviews on ConsumerAffairs.com please visit our FAQ.

    Page 1 Reviews 0 - 5
    Rated with 5 stars
    Verified Reviewer Verified Buyer
    Original review: June 14, 2021

    When I was purchasing the extended warranty from Protect My Car, I was speaking to someone in Florida and we had a nice conversation. She was on point with all the information and she made me very happy. It was a good experience and she helped me pick the best option I had. I first started in the first tier and then I decided to go with the top tier. So, she helped me set all that up. It’s simple to file a claim as long as you speak to the garage that you're working with and make sure that they accept it and that they accept the funds from them. The first step was easy. They told me to talk to the garage and make sure everything's good with them. If they need information, I should give them Protect My Car’s number and they’ll talk to them. So, that's what I did. My mechanic spoke to them and he said that everything was set up and that he knew what he got to do.

    I've seen Protect My Car twice. Once, there was something with my engine. It was $900 and I ended up paying 425, which was when I decided to go with the top tier they had, which you pay 25%. This last one that I had, my brakes and I had to get a couple of things done and the total was 1,800 but I ended up paying 25% of that. So, the warranty helps. They take out $79 a month but it pays off in the end when I need to take the car in and get it fixed. So, it is worth it. Protect My Car is a good service, especially if your car's getting a little older and you're going to need some major maintenance. If you want to save some money, go with Protect My Car because they got some good programs and you choose whichever one that is eligible for you. You should go for the high tier. You pay less and it's not bad. Plus, I'm a veteran, so I got a discount.

    Protect My Car response
    Thank you for your comments and five stars! It is very important to everyone here at Protect My Car that we provide the most professional service possible. We want to end each day knowing we have helped a lot of people with vehicle problems that could have ruined not just their day but their budget for months to come. It means a lot to get comments from our policyholders that let us know we are doing just that. Best of all, we will be here to assist you when you next need help with your vehicle. Please let us know if you have any questions or if there is any way we can help.

    Thanks again for your comments.

    3 people found this review helpful

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      Rated with 4 stars
      Verified Reviewer Verified Buyer
      Original review: Jan. 18, 2021

      I was gonna take the car to where I bought it. They said they didn't accept Protect My Car's insurance. The gentleman I talked to at their office said, "Take it to Midas because you have some type." I'm sorry for being so messed up. Protect My Car had a contract or something with Midas that they would take me and not refuse. So, I went down there and got oil change. The guy took it in the back, very nice people. He came back out and said, "Your rotors on the back tires are not with this." Well, I said, "Just see what it is. Tell me how much it is. We'll call the insurance people, here's their number and we'll go from there."

      I sat down there. It was about an hour and a half. He was back and forth on the phone with Protect My Car trying to get it straight. Finally, he got finished with my car. He said that the back brakes, the calipers and I don't know what all. He just said, “This is wrong and that's wrong. And that's what we had to fix.” But I don't know anything about cars except how to put gas in them and drive it. He took the wheels off the car. I could see it through window. And he came out and said, "This is shot, and that's shot." "Okay, well, here's their number. Call Protect My Car." I sent pictures of the papers that he gave me, and charged me 500 and some dollars before I could go home. I was aggravated because I said, "I was only supposed to pay $100. I came here for an oil change and a grease job and all that. And here you're sending me out with an almost $600 bill." I paid it with my credit card and I just said, "I can't deal with this now."

      I called Protect My Car and I talked to two different people. The last one, his name was Benjie. He said, "Just send me a copy of the papers and we'll go from there." Protect My Car did good on what Midas said they put a claim in for. But I wasn't happy for the amount. Everybody down at Midas couldn't have been any nicer but nice doesn't work with me when it's money involved.

      Protect My Car response
      Thank you for your comments. There are some shops that have had a negative experience dealing with vehicle service companies. They do not want a professional adjuster looking over their shoulder working on behalf of an unknowing consumer. We know when they do unnecessary work or pad the bill or overcharge for a repair. We do work closely with some national shops that promote honest and effective repair work, but we still work for, and only for, our customers to make sure the right repair is being done at the right price.

      Thank you for your comments.

      5 people found this review helpful
      Rated with 4 stars
      Verified Reviewer Verified Buyer
      Original review: Jan. 15, 2021

      I originally called Protect My Car and told them that my heat wasn't working. They said it could be a heat coil, and to bring it into the dealer to get it done. When the dealer took a closer look at it, they said that there had been anti-freeze leaking back into my engine into where my spark plugs were. Protect My Car said to send over all the paperwork so they could get it approved.

      When I sent those, the representative told me that I wasn't being honest. There was one oil change receipt from a local mom-and-pop shop that didn't look like a receipt to her. It was handwritten, and because of that, it took them an extra week and a half to approve my claim in order to get my car started, which then caused the engine that was coming all the way from Michigan from the Ford factory to be delayed. It left me without my car for almost a month. To add insult to injury, they only covered me for $150 for a rental car so I was stuck with a $2,000 rental car bill. Nobody could help and do anything to minimize that. Had Protect My Car done what they were supposed to do on the same day that I gave them every document that they asked for, I would have had my car a lot sooner than December 23th, that rental car bill would have been a lot cheaper, and I'd probably be a happier customer.

      I was very unhappy with the way that the staff, mainly the higher-up, handled the situation and lack thereof. The representative that was in charge would tell the people at the dealer that she was trying to get ahold of me and was calling me. She never did. I was trying to call her. I would have to go through my actual car dealership. I even went as far as going over to the mom-and-pop shop to speak to the guy there and explain what was going on.

      I felt that Protect My Car, being that the work was going to cost about 5,000, could have done a little bit more to help me out, especially knowing that they dragged their feet and it was their fault because I wasn't approved. I couldn't even pay my monthly payment for January and they've been calling me like crazy telling me that my payment hasn't gone through. I know it hasn't gone through because I'm still paying off the rental car bill. The other people that worked with me, as far as the customer care reps, were great and very helpful.

      Protect My Car response
      Thank you for your comments. We do regret that you feel the approval and verification process was unnecessary. It is, however, an important part of the process and unavoidable when a a licensed shop issues a hand written receipt without the appropriate information on it. There really is no reason for a licensed professional shop not to issue a receipt that meets the standards in the industry. We hope you will understand that the blame for the delay in getting approval for your claim rests with the shop that would ask a customer to accept such a receipt.

      We certainly hope your next claim will go a lot smoother.

      5 people found this review helpful
      Rated with 5 stars
      profile pic of the author
      Verified Reviewer Verified Buyer
      Original review: Oct. 25, 2020

      I was calling a supposed number of Chase Bank that a rep gave me and I wound up calling Protect my Car. Their rep told me about their warranty and how it's a really good deal at a great price. He told me that their coverage protects my car and said what they could do for me. He ended up asking for my credit card and selling me their warranty. They sent me all the paperwork. So far, I'm happy with the warranty I got.

      Before I got Protect My Car, I had received many spammer calls asking me if I wanted to get an auto warranty. I talked with reps from different companies and discussed their warranties with them. Other warranty companies wanted me to pay an enormous amount of money up front. Alternatively, they wanted me to pay a startup fee and I would then have the warranty for 14 days to review it and make sure I wanna keep it. Then, they would charge me a couple of thousand dollars. I never went with them and I got discouraged from them repeatedly calling me after I requested that they remove me from their call list.

      With Protect my Car, I used their warranty, took my car to a dealership and they gave me a loaner car. When I left my service advisor my Protect My Car identification card and told him to contact them if there were any repairs that needed to be done, he called me and said that he had not been able to reach Protect My Car and that he had been on hold for an hour. He said this was one of the reasons why he did not prefer to use warranty companies. I told him that I can call or send an email to the representative that I normally deal with and that rep could get someone to call him back. I got into contact with Tara and she made arrangements for a rep to call my service advisor and get everything processed. This problem could have been due to the time of day or I brought my car to the dealership on a day of the week when Protect My Car had a large amount of phone calls. Still, Tara was able to get things resolved and approved.

      The dealership diagnosed all kinds of things and determined that things needed to be done. My car needed electrical work. They also recommended that I get two new tires. I just paid for my deductible and for the tires and Protect my Car covered everything else. I've only had good experiences with this company and it's due to the rep I've been dealing with. She has a great personality and cares about dealing with people. She is a customer service specialist who is committed to Protect My Car and her job. There was a time when I called in to cancel my coverage and I talked to her. She resolved issues and told me to stay in contact with her for any concerns and she would help make sure everything is okay.

      Protect My Car response
      Thank you for your comments. We appreciate them very much.
      We do work hard to make sure this protection is affordable for everyone’s budget. It’s all part of not just doing the right thing, but doing things right for each customer.

      Please let us know if you have any questions or if there is any way we can help.

      11 people found this review helpful
      Rated with 4 stars
      Verified Reviewer Verified Buyer
      Original review: Aug. 28, 2020

      I have an older car that doesn't have a lot of miles and I was laid off of my job due to the pandemic, so I thought it would be wise to try to get something in the event something occurred with my car. I wanted to make sure that I could be able to maintain the vehicle without incurring big price tags with repairs. I received a call from a Protect My Car representative and she was very thorough and knowledgeable about the product. She went over everything with me and gave full information about what was covered. She told me I would get an email within this number of days and I would receive this information. I knew what to expect every step of the way, so it took a lot of guesswork out.

      I had a lot of questions, so the representative remained calm, answered all of my questions, and handled everything in an extremely professional manner. She also left a number available to me if I had any additional questions after that. I could always call and talk to someone about any other concerns I may have had, but I didn't have any 'cause she covered everything for me. That's why I went with Protect My Car. As far as the coverage for the warranty, everything was reasonable. They were even able to get me in a plan where I had no deductible. Whenever any repairs are made to my vehicle, I don't have to pay anything out of pocket, which was a great blessing when I had to take my car in.

      I just provided the documentation that was needed and the service manager had the most communication with them. She made sure that she got everything moving as well. It was a slow process but that was to be expected due to the COVID. My car was at the repair place for about three weeks. However, she did tell me it would be a little while before they would be able to get to my vehicle because of the pandemic. Otherwise, everything was taken care of. The service manager also made sure they were able to put me in a loaner. My daughter was expecting and my mom had chemo treatments, so it was critical that I had a vehicle. All in all, this year has been really difficult and I'm grateful that I have Protect My Car available to assist me.

      Protect My Car response

      Thank you for your review. It always nice to hear when a customer has a good experience. We know you will save a lot of money with this coverage. Thank you for choosing Protect My Car.

      6 people found this review helpful
      Rated with 4 stars
      Verified Reviewer
      Original review: July 2, 2021

      Recently purchased a newer vehicle to replace the one we had for 13 years. Our finances did not allow for a new car so we got one we could afford seemed in good shape. This one has 122,000 miles and no warranty. I started looking at warranty prices at several companies and the price was more than our car payment. Finally contacted PMC and found a plan I liked and a price that affordable to someone such as us who are retired and live on fixed income. Hopefully we won't have a claim for a long time, but I feel confident PMC will handle it as should be.

      Protect My Car response

      Thank you for your review and for choosing Protect My Car to help you protect your car and your budget. We do work very hard to make sure the policy is affordable, and that policyholders get the kind of help they need when they need help. It really means a lot to us all to know our efforts are really helping give our policy holders good peace of mind. Great rates, towing, rental car benefits, fast claims processing and the personal touch are just some of the ways we help provide that. Thanks once again for those great comments. Remember, we are here to help when the need arises. Please let us know if you have any questions or if there is anything we can do for you.

      Be the first one to find this review helpful
      Rated with 5 stars
      Verified Reviewer Verified Buyer
      Original review: June 26, 2021

      Protect My Car has been great and in taking the car under their warranty, I can take the car to three oil changes per year. I keep my oil changed, which is the agreement that I have with the manufacturer who placed the new engine in the car. As long as I do it on a regular basis, they will honor their warranty on the engine. Also, on those visits to get my car oil changed, I had them check everything else. If there's anything else that's going on, I get that repaired as well. Knowing that the extended warranty that I have with Protect My Car is available and that the oil changes are offered at no additional charge is a very good experience.

      Protect My Car response

      Thank you very much for your kind comments. We make it our mission in life to provide great service and needed help to all policy holders. We are very glad the policy and our services have been of help to you. Your peace of mind is always our most important goal. Taking your vehicle in for scheduled oil changes is an important way to keep your vehicle well maintained and on the road. We are pleased that Protect My Car can assist you with this benefit every year. Please let us know if you have any questions or if there is anything we can do for you. Thanks again for your comments.

      Be the first one to find this review helpful
      Rated with 5 stars
      Verified Reviewer Verified Buyer
      Original review: June 25, 2021

      The rep offered me a deal with all the different stuff and I couldn't turn it down, and I'm glad I got it. It covered things on my call. It gave me a rental car. It had roadside assistance. They were always there when I needed them. I had a situation not too long ago where my car ran hot on me. I was in downtown Atlanta, and I called Protect My Car. They sent in a tow truck to tow my car to where it needs to go. But in the meantime, my car cooled down and I was able to crank it up, and I drove it to the dealership myself. When I got to the dealership, they called the dealership and spoke with them, and they covered everything. They put me in a rental car. I tell my friends about it all the time. With everything they cover, it's real good. I'm very satisfied.

      Protect My Car response

      Thank you for your positive feedback! Your experience is the reason we do what we do! Good peace of mind is what this coverage is all about. We are very happy to have been able to help you with the repair to your vehicle. It really makes sense to protect yourself against very expensive repairs. While you did not need the roadside service in this situation, just know that it is there for you in the future. Besides towing your vehicle, our roadside assistance can help you if you lock your keys in the vehicle, need help changing a flat tire, or bring you fuel. We appreciate you taking the time to let us know how the coverage was able to assist when you needed it. We are very pleased to have helped you with the recent repair and we look forward to helping you in the future when you need help. Thank you for the five stars. We know you are going to save a ton of money with this coverage. Thank you for choosing Protect My Car.

      Be the first one to find this review helpful
      Rated with 5 stars
      Verified Reviewer Verified Buyer
      Original review: June 24, 2021

      Everything was a one-call resolution. Their response time was quick.

      Protect My Car response

      Thank you for the five stars! We are glad you are with us, and we will work hard to make sure we meet and exceed your expectations. We strive to assist and resolve customer concerns in a timely and effective manner. We know that your time is precious and how important it is to get you back up and on the road. Rest assured we will be here for you when you need us. Please let us know if you have any questions or if there is anything we can do for you. Thanks again for your comments and thank you for choosing Protect My Car.

      Be the first one to find this review helpful
      Rated with 5 stars
      Verified Reviewer Verified Buyer
      Original review: June 23, 2021

      I've used them to get my oil changes and the claims process was very simple. I just had to present my card, then they called the number, and it went through.

      Protect My Car response

      Thank you very much for your kind comments. We make it our mission in life to provide great service and needed help to all policy holders. We are very glad the policy and our services have been of help to you. Your peace of mind is always our most important goal. Taking your vehicle in for scheduled oil changes is an important way to keep your vehicle well maintained and on the road. We are pleased that Protect My Car can assist you with this benefit every year. It really is a team effort here to make sure the coverage is hassle free for policyholders. It is comments like yours that let us know we are doing just that. Please let us know if you have any questions or if there is anything we can do for you. Thank you for your comments and for choosing Protect My Car.

      Be the first one to find this review helpful
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      Protect My Car Company Information

      Social media:
      Company Name:
      Protect My Car
      Company Type:
      Private
      Year Founded:
      2005
      Address:
      570 Carillon Parkway
      City:
      Saint Petersburg
      State/Province:
      FL
      Postal Code:
      33716
      Country:
      United States
      Website:
      protectmycar.com

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