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3.5

Overall Score

LAST UPDATED: February 14th, 2024

Ally opened its doors in 1919 as GMAC, a division of GM, but changed its name to Ally in 2009. The company offers financial services, including banking, vehicle financing, home loans, investing, and corporate financing options. Ally also has a good selection of protection plans with different coverage levels and deductibles ranging from $50-$200.

In addition to helping clients, Ally is devoted to giving back and partners with many nonprofit organizations to help people in need.

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The Good

  • 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.

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The Bad

  • 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.

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The Bottom Line

Ally Premier Protection extended warranties are a great option for people who want coverage options. Ally offers coverage for all types of cars, whether they be new cars, used cars, and even rental cars. However, if you are looking into Ally, you may have a hard time reaching the company, which may make it not as positive an option as some other warranty companies.

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Star Rating

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2.3

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45 Reviews

Review Breakdown

5 grade

24%

4 grade

4%

3 grade

2%

2 grade

11%

1 grade

58%

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Bobby Waddell Hernando, MS

I have premium coverage and had to have engine replaced, they replaced the engine but have been fighting me on trip interruption since the day it happened now going on two and a half months, I live in Mississippi and was in Pennsylvania when the motor went out and I had to stay four extra nights simply because Alley dropped the ball on a rental car, gave me a reservation number to pick one up but never sent the email to enterprise to secure the rental, long story short, they guarantee 750.00 trip interruption and only want to pay 600.00, it cost 600.00 just for motels for four days not including meals and other expenses, then after a month of waiting on the motor to be installed I had to fly someone up to PA to pick my car up, I have over 2800.00 in a breakdown only asking for the 750 they guarantee and they don’t want to pay the full amount, I’ll update this if they pay me the 750 but if not I’ll add to it and tell some phone conversations I had with some of their employees that will probably make you think twice about using them!!! B Waddell

2 years ago

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TimJutt Des Moines, IA

Absolutely terrible to get ahold of. No online access, long wait times, short hours, no desire to help if an error is made. Let me elaborate; I'd purchased a vehicle nearly a year ago, which was supposed to be the Major Guard coverage (this one IS supposed to cover everything). Turns out, there was a mistake. I had a claim, it was denied because my coverage, despite what I was told I was buying, was NOT Major Guard. Ally didn't make any effort to rectify this. Again, this has been ongoing for nearly a year, and I have the dealer involved at this point. Ally will not make exceptions in the face of an error that is not on the customer's side. They will not simply change the coverage, you have to jump through hoops. In short, they will not make it right. If you find yourself in this situation, just go to the dealer and pray they care enough to push Ally to correct the issue at hand. Otherwise, you're in for a long, hard journey unless you relent and pay out of pocket for something you were told would be covered. Make 100% sure before you walk out of the office at the dealer that what you bought is what you were told you were buying in regard to the level of coverage your warranty provides, because Ally wants your money, not your praise or satisfaction.

4 years ago

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Nicole Moreno Valley, CA

My car went in for repair on a clutch after purchasing the vehicle two months ago. Ally approved the repair and only had to pay the deduction as well as the cost of a clutch that was not covered . My car took a day to repair. Left it on a Friday, was ready on a Tuesday. However went down to the dealer to pay and pick up my car and was told they could not give me the car until Ally paid them. However they collected my portion of the cost. They told me to wait for a phone call to pick up my car when they recieved the check from Ally. Three weeks as of today and still no car to pick up. Countless phone calls to the dealer and same song same dance. Haven't received the check, we will call you. I have to use other means to get to work. Terrible service from Ally.

5 years ago

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william smith Villa Park, IL

I am giving them a two because when I had to use them for warranty issues not a problem, but I would never use their roadside assistance again it took them two hours for them to call me back after I told them I needed a jump, in that time I got a jump from a good samaratian and the battery replaced at the Chevy Dealership.

2 years ago

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Sidney Bradford

Paid for the repairs but wouldn't return calls for a rental that is supposed to be covered.

5 years ago