Notice, cost and coverage (October 2022)


*Ratings are determined by our editorial review team. Learn more about our scoring methodology below.

Protect My Car is one of the most popular vehicle maintenance contract providers in the country. The company has some of the highest customer service ratings of any extended warranty provider, but is it the right choice to protect your vehicle?

In this Protect My Car review, we from the Home Media review team take a look at the company’s coverage options, pricing and customer service reviews to see how it compares to some of the most reputable extended car warranty companies in industry.

About Protect My Car

Protect My Car, also known as PMC, was founded in 2005 and is headquartered in Saint Petersburg, Florida. The company offers maintenance contracts and comprehensive maintenance plans for vehicles. Car owners can purchase warranty provider services in most states except Alaska, California, Hawaii, Missouri, Oklahoma, and Washington.

Protect My Car stands out from its competition due to its maintenance benefits and positive customer service ratings on review sites such as the Better Business Bureau (BBB) ​​and Trustpilot.

Protect my car cost

The cost of a vehicle maintenance contract with Protect My Car will depend on factors such as the age, mileage, make and model of your vehicle, and the level of cover you choose. Protect My Car plans come with flexible payment terms of up to 60 months and can cover new and used cars.

To help you get an idea of ​​what a Protect My Car warranty extension might cost, our team contacted the company and received the following quotes for a 2018 Honda CR-V with 30,000 miles:

Protect My Car Extended Car Warranty Coverage

Protect My Car offers three extended warranty coverage options for drivers: Supreme, Select and Driveline. The company also offers maintenance plans for older cars, which we’ll detail below.

Here is an overview of each warranty coverage plan:

  • Supreme Diet: The Supreme plan is similar to the manufacturer’s warranty. As Protect My Car’s best level of coverage, this vehicle maintenance contract is designed for drivers who need additional coverage because they plan to keep their new car longer than the Factory warranty terms.
  • Select plan: The Select plan may be a smart choice for vehicles over 50,000 miles. The policy protects the same components as the Supreme plan, except for the turbocharger and the navigation system.
  • transmission plan: Designed for vehicles 4-10 years old with over 80,000 miles, the Driveline plan provides warranty coverage for vehicles up to 5 years/125,000 miles. The plan covers many of the same components as the Supreme and Select plans, although it excludes the front and rear suspension, some brake system components, the turbocharger, and the navigation system. It’s similar to an upgraded powertrain plan.

Here are the components covered by Protect My Car vehicle maintenance contracts:

All plans include roadside assistance and rental car reimbursement. Protect My Car also offers maintenance benefits with every vehicle service contract, providing free oil changes and tire rotations until your contract expires. You can see examples of contracts for each online plan.

Protect My Car covers a wide range of components, but there are exclusions. These include:

  • Pre-existing issues
  • Maintenance items not covered by the contract
  • Unauthorized repairs
  • Damage due to negligence, misuse or lack of maintenance
  • Modified components
  • Select parts including brake shoes, catalytic converters, glass, exhaust pipes, trim and more

A Protect My Car extended warranty is intended to cover mechanical breakdowns, not collision damage, which is what a car insurance company does. On the other hand, car insurance does not cover mechanical breakdowns.

Ambassador Maintenance Plans

Protect My Car also offers three maintenance plans for vehicles: Ambassador Platinum, Ambassador Elite and Ambassador Pro. These maintenance plans cover most high mileage and older vehicles that may not qualify for standard plans.

Protect My Car guarantees discounts between 50% and 75% for covered repairs. This means that Protect My Car covers part of the costs and you also cover some costs. These plans also come with these additional benefits:

  • Oil changes and tire rotations
  • Lock services
  • Assistance in the event of a puncture
  • Reimbursement of the rental car

Here is an overview of what is covered by each of the three Ambassador plans:

The Elite and Platinum plans also come with 24/7 roadside assistance.

Quotes and complaints

The quote process with Protect My Car is very simple. You can get a free quote online at or by calling Protect My Car customer service representatives at 888-430-0227.

Our team found Protect My Car’s instant quote tool to be very easy to use and our wait time to call the company’s customer service department was less than a minute. Both processes will ask you for general information about your vehicle, such as its year, make, model, and mileage. Using this information, the company will provide you with a quote of what you can expect to pay for coverage.

If your vehicle experiences an unexpected mechanical breakdown, Protect My Car recommends calling their claims department to begin the claims process. You can take your car to any authorized repair center, including your dealer’s repair shop.

At the facility, your mechanic will need to send Protect My Car your vehicle information and an estimate for the repairs before they begin. Protect My Car will pay for all covered auto repair costs in addition to towing, roadside assistance and rental car reimbursement.

Protect My Car offers a 30-day money-back guarantee through its 30-day Free Look program. The extended car warranty provider allows you to request a full refund of your initial deposit if you are unhappy with your coverage. If you choose to cancel your plan after the 30 day window, you will receive a prorated refund.

Reviews on Protect My Car

Our research shows that Protect My Car agents are helpful and professional. Protect My Car has some of the strongest customer reviews in the industry. The extended warranty provider has an Excellent rating on Trustpilot with 4.5 out of 5.0 stars from more than 3,200 customer reviews. Protect My Car reviews are also strong on the BBB site, with nearly 4.1 star rating out of 5.0 out of nearly 600 reviews.

Positive Protect My Car reviews praise the company’s customer service representatives and the simplicity of the claims process, which provides peace of mind for drivers. Negative reviews mention issues with reimbursement and obtaining benefits such as oil changes and tire rotations.

Our team contacted Protect My Car to comment on their negative reviews and received no response.

Conclusion on Protecting my car

We rate Protect My Car 8.5 out of 10.0 and give it the designation for most maintenance plans. The company offers three comprehensive extended warranty plans in addition to its three Ambassador maintenance plans. Protect My Car also has some of the highest customer ratings in the industry. We recommend that you contact the company for a quote.

Recommendations for warranty extensions

Although Protect My Car is a reputable extended warranty provider, it’s always best to shop around to ensure you’re getting the best deal and coverage for your vehicle. Both Endurance and CarShield offer a variety of car warranty plan options and have many positive customer reviews.


Drivers looking for comprehensive, affordable warranty coverage might consider Endurance. The company offers six warranty plan options, including one that offers maintenance coverage. Endurance also lets you pay monthly, so you don’t have to worry about paying for your coverage up front.

You can read more about the company in our Endurance Guarantee Review.

car bumper

CarShield is a popular extended warranty provider known for its value and flexible plans. The company offers riders six warranty options, ranging from a comprehensive bumper-to-bumper warranty to a protection plan specifically for motorcycles and ATVs. CarShield offers monthly plans so you can cancel your extended warranty at any time.

Learn more about coverage in our detailed analysis CarShield Review.

Protect My Car Reviews: FAQs

Because consumers rely on us to provide unbiased and accurate information, we’ve created a comprehensive rating system to formulate our ranking of the best extended car warranty companies. We’ve collected data on dozens of auto warranty providers to score companies on a wide range of ranking factors. The end result was an overall score for each vendor, with the companies scoring the most points at the top of the list.

Here are the factors taken into account by our assessments:

  • Cost (30% of total score): Car warranty companies with affordable rates and multiple franchises scored highest in this category.
  • Coverage (30% of total score): Companies that offer a variety of warranty coverage choices, long contract lengths, and additional benefits are more likely to meet consumer needs.
  • Reputation (20% of total score): Our research team considered availability, industry expert ratings, and years in business when assigning this rating.
  • Customer experience (25% of total score): This score is based on customer satisfaction ratings and transparency. We also considered the responsiveness and helpfulness of each lender’s customer service team.

*Data correct at time of publication.


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