Ally

• Easy-to-Understand Vehicle Service Contracts
• Extensive FAQ
• Additional Protection Products

Easy-to-Understand Vehicle Service Contracts

Ally’s website shows each plan side by side to explain what it covers, providing a clear comparison and contrast. There are three different types of plans under Ally Premier Protection:

• The Basic Guard covers the engine; transmission, transaxle, and transfer case; front and rear-wheel-drive component; and fuel delivery components. The Basic Guard plan is Ally's powertrain warranty.
• The Value Guard covers everything the Basic Guard service contract does, plus heating and air conditions components; suspension; electrical, computer, and audio components; steering component; and braking system components.
• The Major Guard covers everything in the first two plans, but adds coverage on engine cooling component, high-tech components, and safety components.

Ally also offers a Flex Coverage vehicle service contract. Ally Flex Coverage offers exclusionary warranty coverage, which means that it covers all car parts except those listed in the contract. It includes additional benefits, like roadside assistance, trip interruption, and rental car or alternative transportation reimbursement. Trip interruption and rental car reimbursement are available when your car is in a repair facility for a covered repair.

Ally Flex Coverage also offers a 60-day money-back guarantee and 18-month financing with no interest. The zero percent interest feature is especially nice for those who plan to make a monthly payment for their warranty coverage.

Extensive FAQ

Keeping customers and their concerns in mind, Ally’s website has an extensive FAQ section. Under the FAQ, people visiting the site can learn about general auto warranty information as well as specific information about Ally vehicle protection.

Additional Protection Products

While Ally provides several options within its Premier Auto Protection, the company also gives other options to its customers, such as Guaranteed Asset Protection (GAP). GAP protects cars that have been totaled. Insurance doesn’t always cover the full amount individuals may owe on their car, so GAP covers the additional cost. If you totaled a car which you had not paid off, GAP would cover the amount that insurance does not, essentially waiving the debt on the car.

Ally also covers leased cars through the SmartLease Protect plan, which takes care of lease-end fees for extra wear and mileage.

• Pricing from Dealer
• Customer Support
• Doesn't Cover Everything

Pricing from Dealer

While inconvenient, many companies in the auto warranty industry do not give quotes, whether on their website or even over the phone; they require clients to go to a car dealership to receive that pricing. This may be because car dealerships know the specifics of each vehicle. Regardless, having to work with both a dealership and an auto warranty company is enough of a hassle to dissuade some individuals from working with that company. This could be the case with Ally, since visiting a dealership for the quote is a requirement.

Customer Support

Ally’s customer support leaves a little to be desired. For its auto services, only a phone number is provided, and that phone number is available at limited times. Ally does provide the option for a live chat, but individuals must have an account with Ally that allows them to log in. To email Ally, you must also log in, so unless you are already a customer with Ally, you may have a difficult time reaching a representative.

Doesn't Cover Everything

An Ally extended warranty only covers repairs that meet the specifications in the contract. As with most warranty companies, an Ally car warranty only recovers repairs related to mechanical breakdown. Coverage for a repair may not be available if it resulted from poor maintenance, normal wear and tear, or an accident. Be sure that your car receives regular oil changes to ensure that your extended car warranty is not voided. Otherwise, you'll have to deal with the repair costs on your own.