Protect My Car is a very well known and reputable extended warranty company. PMC was founded in Saint Petersburg, Florida, and has been in operation since 2005. Since that time, the company has made a name for itself in the extended warranties industry, garnering very good consumer reviews and a trusted industry reputation.
The company offers extended warranties for a variety of vehicles and conditions, including a unique offering of Ambassador maintenance plans for cars over 13 years of age. So consumers with older cars still have the option of partial coverage with Protect My Car. Their website also says that Protect My Car plans are honored at any licensed repair facility, including their very large network of repair shops.
Protect My Car maintains a stellar A+ rating with the Better Business Bureau, and excellent consumer reviews compared to many of their contemporaries in the extended warranty industry.
Call now 1-855-534-1173 or get an online quote
(*) Brakes does not include: Pads, Rotors, Shoes and Drums
Protect My Car offers “extras” that many aftermarket warranty providers can’t match:
Protect My Car’s Driveline Plan covers the powertrain basics:
The policy pays 100 percent toward repairs of these items, assuming that the conditions have been met and the vehicle warranty has not been voided.
The Protect My Car Select Plan includes every covered item from the Driveline Plan, plus:
The Protect My Car Supreme Plan includes everything from both the Driveline and Select plans, plus:
Most consumers with older cars have a hard time finding extended warranties that will cover them. Protect My Car's main warranty offerings are for cars that have less than 125,000 miles or are less than 13 years old.
If you have an older vehicle and are still interested in coverage, Protect My Car has the unique offering of Ambassador Plans, which may cover a certain percentage of repair costs for covered components. While this is not a full extended warranty, it is a rare offering of coverage for older cars. Depending on your plan, coverage could be for any of the following components.
(*) As always, make certain to read your policy fully before signing anything to ensure that you have the best coverage that is right for you and your budget.
We scoured the internet to find sample rates from Protect My Car. Of course, your mileage may vary, as costs can differ wildly from vehicle to vehicle and from place to place.
|Vehicle*||Plan Name||Term||Monthly Payment||Deductible|
(*) Note that these are customer-reported prices and may not be reflective of the rates you’ll receive.
In general, Protect My Car is among the upper tier of extended warranty providers, when it comes to customer satisfaction and reviews. The Better Business Bureau’s site is chock full of great reviews from people who love the flexibility of payment plans, the wide variety of coverage options, and the fact that 24/7 roadside assistance is included with every plan.
Read more on Protect My Car vs CarShield Extended Warranty here.
Customers say that filing a claim with Protect My Car is quite easy, and just involves a phone call to get the process started. One challenge that can arise is that the company sometimes requires an estimate from an approved shop to issue payment for the repair, but this is common in the industry. Protect My Car states that their policyholders can use any licensed repair facility, including well established shops in their network like Pep Boys and Aamco.
Here are the steps to take to get the claims process moving.
Protect My Car offers coverage for vehicles up to ten years old that have up to 125,000 miles. The company also offers various high-mileage coverage for vehicles up to 300,000 miles.
Protect My Car lists several factors that can void its extended warranties:
One of the most common reasons a warranty claim is rejected is because the component needing repair is not covered. This can be a common wear item like tires or brakes, but can also be a non-covered drivetrain component. Other rejections can occur because of:
Trustpilot.com is a goldmine of reviews, both positive and negative for Protect My Car. Spelling and punctuation are that of the reviewer.
“Today I spoke with a customer service representative (Isaisha) and with just talking with him I knew that I made the right choice joining the family of “Protect My Car”. Just talking with Isaisha, I know that this company will go above and beyond to make sure the customer is satisfied. People read reviews before signing with other companies. This says a lot about a company. Thank you to the first representative and Isaisha for getting me the peace and no worries about my car because I signed up with the best!”
“I've had a really outstanding experience with Protect My Car and their Representatives during my recent car repairs. On the first occasion, my car was repaired with me paying only my low deductible and the second repair was not covered, but my Representative offered and work with me to get the new OEM part at a much lower price than the dealer. I'm truly thankful with my choice for the coverage this company provides: I've tried other warranties but they just don't add up to the total protection I have with PMC.”
“Miscommunication, waiting time is ridiculous. My wife due to this, in trying to hold on but they giving me lil to no choice but to leave this contract. My truck's been in the shop for way too long, over two weeks without a rental that they're suppose to provide for their customers.”
“You all don't cover things like replacing keys, I had to pay 300$ because my key stopped working to my car. It was an electrical problem. So you all need to cover electrical and power problems.”
There are a whole bunch of reasons why having an extended warranty can be a great thing, both for your wallet and for your peace of mind. Protect My Car appears to have great flexibility, both in how they are able to be paid for and in how/when they can be canceled. It’s worth the time, however, to determine which of Protect My Car’s warranty options is right for your car.
The most important thing to remember, though, is that you may not even need an extended warranty. If you’re driving an older well-maintained vehicle that has given you zero trouble, you might reconsider spending the extra money on a warranty. The same also should hold true if you don’t plan on keeping your car for an extended period of time. There’s no reason to pay for a warranty on a car you’re going to unload in a year or less.
Call now 1-855-534-1173 or get an online quote
Car Talk has spent the last year doing a deep dive into the warranties industry for the benefit of our readership and long-time listeners. Our process for deciding on the best warranty companies for the year was exceptionally thorough, involving in-depth research and our unique secret shopper initiative. We compiled over 50 data points across all reviewed companies to refine and inform our selection process. Car Talk reviewed the following important criteria for each company:
Consumer Satisfaction: Cross referencing multiple trusted resources to pull our fair and balanced customer reviews.
Cost: Utilizing our secret shopper initiative, we got comparable quotes across all companies so we can validly compare pricing.
Coverage and Offerings: Our research team delved into the coverage and offerings for each company, comparing what is available, including extras and discounts.
Official Ratings: We consulted a wide range of verified review sites to extrapolate a ratings score for each.
Read more on the Best Warranty Companies in the industry here.
Protect My Car is definitely legit. The company maintains very high BBB ratings and is considered a reputable company within the warranty industry
Protect My Car does not offer coverage in California, Florida, Missouri, Washington, and Oklahoma. If you need coverage in one of these states, check our Car Talk's 10 Best Extended Warranty Companies here.
Protect My Car says that its warranties are both transferable and refundable if the covered vehicle is sold.
If you decide that you don’t want to continue coverage with Protect My Car, you can cancel or transfer the contract at any time. If you’ve overpaid, or paid for an extended period, you can get a refund that is prorated for the amount of time left.
Protect My Car says that, as long as there are no issues when you start coverage, there is no need for an inspection. This, of course, is a big trust in you as the buyer, so make sure you’re up to speed on your maintenance.
Yes. Protect My Car covers everything for parts that are included in its warranties. This includes towing, roadside assistance, and rental cars.
The best way to get a good price is to compare offers. These are some popular options...