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.
Overall Satisfaction Rating
- 5 stars
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- 1 stars
Pros
- All services provided by Protect My Car employees
- In-house claims process for smoother experience
- Free oil changes and tire rotations with all policies
Cons
- 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
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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...
Read full reviewI 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 ...
Read full reviewWhat 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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This protection program has saved me in so many ways. All older cars should have this coverage. My air conditioner went out and they replaced it no problem. Then the blower went out and they replaced that too. I also get free oil changes and tire rotations with this program.
Thank you for your comments. We appreciate them very much. Folks with older, higher mileage vehicles find it almost impossible to get qualified for coverage with most companies. Protect My Car is always happy to help. The coverage saves you on qualified repair costs, provides towing, roadside assistance and even pays for oil changes and tire rotations, all at an affordable monthly premium. 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.
Protect My Car is 100% excellent. It’s the best warranty that I’ve had. All the people are very friendly and nice. I go in, my mechanic calls them up, tells them what the problem is and 9 out of 10 times, Protect My Car authorizes it to be fixed. The only bad thing is you have to wait on the phone a long time sometimes. But other than that, once you get through, you're happy, because you know your problem's gonna get solved. As long as they keep my car, I'm gonna be using them.
Thank you very much for your kind comments. 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. Please know that we are working diligently to make sure there is timely communication between our Loyalty department and the customers. We will work hard to meet and exceed your expectations. 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.
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.
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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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.
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.
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.
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.
The coverage is, overall, a good deal but I had a bad experience with Protect My Car. The car wasn't turning on. It was a water reservoir that needed to be replaced and there were some bogus things that needed to be done. It wasn't much that was done on it, but it was a Volkswagen, and those German cars cost quite a bit to get them repaired. Protect My Car reimbursed me for the tune-up. What ended up being the issue that the car didn't turn on was the key fob was messed up. I never knew that a key fob can cause the car not to turn on. I had to call around and get the key fob from Volkswagen. It was 200 and some dollars to order, and it was another couple 100 bucks to have it programmed once they received it. This was after I had already spent the money to do the other repairs to it.
I ended up paying $1,000 so I canceled the policy. I thought the majority of it was gonna be covered, but it wasn't. I understand that the agreement is for me to get it approved first with the Protect My Car. But I wasn't aware of that, and I was told, "Just take it to a mechanic. Let us know the repairs and we'll take care of it." There was a misrepresentation and miscommunication. Nonetheless, the fact that the mechanic spoke to a representative, the representative never ever mentioned for me to make sure that it's covered first before they proceeded with the repairs. They should make it well known to the customer. They gotta overemphasize on that.
Thank you for sharing your experience with Protect My Car. We work hard to make sure every experience with Protect My Car is a positive one and that the whole process gives you great peace of mind, so we extend our apologies for the communication issues regarding covered and non-covered components. We do regret the inconvenience you experienced and that we were unable to keep your valued business, but please don't hesitate to contact Loyalty if you have any questions or concerns.
I had the GREATEST experience i've had in years. This young man named Jason ** was sooo patient, understanding, considerate, and empathetic. Jason ** stayed on the phone with me willingly and didn't seem to mind how long it took to resolve the issue I was calling about. Jason ** epitomizes excellence. i'm not quite sure what department in Protect my car company he works in but he definitely could and should be a head of one of PMC departments. Just speaking with Jason ** made me feel listened to and actually made me feel physically better. Yesterday was the 1st day I had the pleasure of speaking with him. I don't know him personally but a lot of people could learn from Jason **. The call took a while and it didn't faze him. He really seemed genuinely interested in helping and resolving my issue.
Thank God PMC has Jason ** employed with them. He took the issue I called about and made sure I was satisfied before we hung up and it didn't matter how long it took. Jason ** didn't rush me. He was very empathic and he actually listened to me. He didn't mind the length of time I was taking to explain, he was genuinely interested and was eager to resolve my call. I can't say enough about the call I had with the AMAZING Jason **. He deserves ALLL the praises and raises. He is DEFINITELY the main reason I had a better day. Thank you for allowing me to give a honest review. After having the call with Jason ** I had more faith that there are still AMAZING kind hearted people in this world who epitomize excellence and won't give up on the call because it was too long.
Thank you for the 5-Star Review! We are delighted that our claims specialist Jason provided you with an outstanding customer experience. Having a knowledgeable and professional agent who truly cares about your situation and gives you the help you need provides customers with good peace of mind, which is one of our most important goals. Please know that we shared a copy of your 5-Star Review with Jason and his management team, and we're sure they will all be happy to read this. If you have any questions or concerns, please don't hesitate to contact Customer Loyalty. Thank you for being a valued Protect My Car customer.
Purchased Protect My Car A few months back. Thought I got a good Deal! until I had a claim. The mechanic tried get a hold of the claims department for three days and no one would answer the phone. So I tried to call for two days and the same thing. NO ANSWER! I tried to call customer service, roadside service and nothing each time I tried to call I was disconnected after being on hold for an hour. I couldn't even cancel my policy, I had to call my credit card company to put a hold on the monthly charge.
**-CUSTOMER NUMBER. I've been a member now for over a year and I must say from the very beginning it has always been more of a HASSLE to recoup any of my expenses with you guys either via telephone or online portal. What should be a good service option you guys somehow manage to muck it up as well. I'm referring to the online portal claims process, something that should be saving HOURS in time seems to now have cost the same amount of VALUED TIME AND ENERGY as the endless call wait HOLD times when physically calling in to make the claims.
IT SEEMS TO BE VERY INTENTIONAL that you guys are STALLING as long as you possibly can when it comes to claims/repairs/reimbursements. I say this confidently because when I call the number to contact roadside assistance, it takes LESS THAN 3 MINUTES to get a LIVE REPRESENTATIVE on the phone to assist and take care of those needs (NOT that I've ever needed it but I've called just to see if the wait times were the same).. I HAVE ALWAYS HAD TO WAIT LONGER THAN 1 HOUR each time I've called to file an oil change claim, many times much much longer.
IT HAS BEEN OVER 30 DAYS AND YOUR ONLINE PORTAL CLAIMS OPTION IS STILL UNDER CONSTRUCTION AND "DOWN". I find this suspect to say the least and if it continues much longer I will be cancelling my subscription as it will be apparent that the company is a scam who capitalizes its profit margins by plausible deniability schemes such as "down" claims portals or extremely exhaustive customer care WAIT TIMES. I HAVE been as patient as I think I can be to this point.
As of now I have to conclude that since you haven't done anything to correct the LONG HOLD TIMES TO better your customer service, then it's absolutely intentional and this is the way you want your company to run, I on the other hand have zero respect or time to play those games. There hasn't been a time that I've called them to file an oil change claim which I didn't have to wait on the phone for MULTIPLE HOURS before either, their line disconnects abruptly or I HANG UP because I DO HAVE A LIFE TO LIVE.
I want to start off by saying Jason ** has went over and beyond of assisting me on 3/15/2023; he was so knowledgeable, helpful, and kind. He made sure I was completely taken care of before hanging up with me and that we had contact emails before hanging up. Jason blowed my mind away, bc he did whatever it took to take care of me instead of passing me off or putting me on hold. He was an absolute pleasure to talk to. Thanks. :)
I spoke to an agent on Tuesday who communicated with the dealership regarding repairs. They called me the next day to confirm one item was included. I now can no longer get a response from agent and I really need my car. I have called and emailed him crying begging him to please contact the dealership and nothing. The only reason he called me that day was because I had contacted BBB, and left a complaint. And I had contacted you.
My car is in the shop for 2 weeks already. Everything I call to make a claim the phone number is always putting me on hold for hours. The last call I was told that my estimated wait is 6 minutes. After 24 minutes past my wait time has increased to 8 minutes. Shortly after I was kicked off the system and I had to do the process all over. It is very frustrating to get through to claims.
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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