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34 User Reviews

3.2

Overall Score

LAST UPDATED: December 7th, 2021

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

2.4

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34 Reviews

Review Breakdown

5 grade

26%

4 grade

6%

3 grade

3%

2 grade

12%

1 grade

53%

Sentiment Criteria

Value

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Quality

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Anthony Channing La Mesa, CA

These guys are crooks. They took advantage of my son who bought a $3000 warranty, and would not pay for repairs when the car broke. The car was leaking transmission fluid because a switch was loose. It cost us almost $400 to fix the switch, replace a gasket and washer, plus labor. They wouldn’t pay any of it because they claimed, “the transmission switch is not really broken, just loose” The car was not drivable !!!!!!

1 day 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.

1 month ago

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Dan L. Phoenix, AZ

I don't get the low rating. I am the Finance Director of a large Chevrolet dealership in Arizona for 17 years, and this warranty is practically flawless. Not only does Major Guard do exactly what it says it will, I have even got Ally to do repairs for customers that have mildly gone beyond their expiration. I have it for myself, my wife and my daughter also. Anybody that complains is just someone wanting everything for free!! Probably wear items and maintenance, or just don't maintain their vehicle. The only drawback is that the claims office closes for the weekend, that's it. I stumbled on this comparing Major Guard to an AMT warranty for a customer and had to say something. This policy is the REAL DEAL.

1 year ago

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Suzi Rodriguez Forney, TX

I have been trying to reach their claims department for days. I have the Major Guard protection on my vehicle and need to find out if my repair will be covered with my dealer and I can't even get someone on the phone. I've been calling after 8:00 am every day, for hours, and I keep getting a message that says they are closed and to call during business hours which is 8:00 am to 5:00 pm. Now I need a car repaired and cannot even reach anyone. I emailed their support team and they only replied with the phone number and said to make sure that is the number I was calling. What a joke!!!!!

3 months ago

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Joseph Calcavecchia Buffalo, NY

I purchased there best plan from the dealer and was told I could take it to any registered auto repair shop. After my 1st long road trip I was delighted to see that shocks where covered. The 2012 Chevy van I purchased with only 11K miles had excessive bounce and sway especially on the highway and in windy conditions. After calling Ally who tried to say it was a pre-existing condition and I needed to bring it back to the dealer (now 200+ miles away) I took it to the closest Chevy dealership. After it sat there for a day then I got a call to say the shocks where not leaking and they would not take the time to video how many times it bounces up and down so they did nothing. A wasted day to drop it off and get a ride to pick it up. So I just purchased 2 sets of Monroe's and had them installed at my local repair shop. Now apparently a month after I submitted my bills online they now want a "diagnosis" and a better filled out receipt. Apparently the shop dudnt include my Vin # when I dropped it off. You would think I could just send them a dated picture of the odometer and the newly installed shocks with my Licence plate in it . No they wouldnt make it that easy. 3000 miles later the stealer dealer charges me $350 for a $5 vacuum line that's a wear Item and not covered. I decided its better to take my chances and pull my policy money out of them then have to argue with them everytime something breaks.

5 months ago

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Tee Kirky Norwalk, CA

I have a 2015 Ford Escape, about 2 weeks ago an alert came on "transmission fault service soon" I took it to the shop he said he would change to fluid but it may be the transmission. So I drove the car after the service and this time the transmission alert came on and the solid check engine light. I took it to a 3 shops that specializes in transmissions all said the same thing New Transmission. The shop I went to cleared the lights. I was told the adjuster came out and found nothing wrong with my car. even though the codes were say it was 2 solenoids that was failing. I went and picked my car up and again both alerts came on within 10 mins on the freeway. For almost 2 years I have given ALLY $145.00 a month for them to tell me there is nothing wrong with my car and that I should drive it with these alerts on. I drive 76 miles a night to get to work, why is it ok for my transmission to go completely out on me in the middle of the night while I'm driving alone? I am not asking for a free ride I am only asking for the service that I paid for. I notice that most of the 5 star reviews are from people that have not needed Ally to fix their car or it's the dealership that sales this crap. I have spent $500 in car rental fees so far when I called Ally, they put me on hold and then hung up.

5 months ago

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Maranda Alford Brooklet, GA

There are many things in life that I would rather do other than deal with something that I pre-pay to be handled. I chose the Major Guard top notch policy with Ally Auto when I purchased my vehicle. There have been a couple of times where they held their end up, even with a transmission change (took 16 days to figure out). I have taken the time to dissect the issues I had with the shop and the issues I had with Ally Auto. After having doing that, I still come to the conclusion that the Ally Auto is absolutely not worth for principle reasons. I experienced two sore issues that were overbearing that I will explain. The first one basically comes down to the roadside service (included in my Major Guard policy- one of the reasons I chose the premium policy.) I had a battery blow up in my jeep with my child in the car and was on the side of the road, did everything I was supposed to according to my policy and FOUR hours later (after having called several times where my roadside assistance was) I called for a final time to be told "oh, we must have forgot to call you and tell you that the person we "sunt" out to you cancelled their trip." I was sick to my stomach. Second time was a transmission that was faulty that they took their time on to get moving on my claim then had to audacity to tell me "we gave you two extra rental days." After it was all said and done I ended up paying too much out of pocket ($319) for rental fees that I was promised would be reimbursed. Nothing was resolved with either issue, especially not customer satisfaction that I LITERALLY HAD TO PAY FOR. Eager to accumulate money and constituents on a car for extended warranty, but not eager to follow up with their sides of the policy. I will no longer be conducting business once this warranty runs out and will highly instruct my loved ones to do the same.

8 months ago

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John Kimber Colorado Springs, CO

Great service, I was driving to Texas for a Funeral and half ways there my transmission went out. I called them for road side assistance and they were very helpful. Took it to a Nissan dealer in Texas and they took care of the repair no stress super easy!

1 year ago

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Chris H Memphis, TN

I got Ally Premier Protection included when I financed my 2013 Honda Accord. The car's starter went bad and I took the vehicle to a Honda specialist in town. I told him I had an extended service warranty through Ally and he immediately told me if he got the run-around from them he would just hang up, as he had dealt with other companies and knew it would be a hassle to deal with them. He called Ally to make the claim and after waiting over 30 minutes for an agent to answer, he hung up and called me, saying he didn't have the time to wait any longer for them because he had other cars to fix. I told him I would see what I can do, so I called Ally's claim number and was on hold over 20 minutes waiting for an agent. I told the agent, who by the way was helpful and did what he could to help, that my mechanic was not able to wait over 30 minutes to talk with someone to file a claim. I asked the agent if it would be alright if I put my mechanic on a 3 way call to get the process started filing a claim and the agent agreed. After listening to the two go back and forth setting up the claim, my mechanic was obviously frustrated with the agent, and the process on how he was going to get his money from them. The agent said it is usually a 24 hour turn around to get paid. After a 13 minute call with the agent, and another 30+ minutes waiting for someone to answer, Ally needs other options to make a claim. The customer service is slow and the process is tedious to say the least. A day later I picked up my car and my mechanic said he was still waiting for the email from Ally to get paid. I paid my $200 deductible plus taxes and got my car.

2 years ago

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Gary L. Lackey Mocksville, NC

they were easy to get in touch with and if your car has less than 60000 miles on it you buy direct from ally without an inspection or having to go through a dealer. I bought the ally premier protection plan and i'am excited to see how it works. i will post again after i have some experience with there plan

3 years ago

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fred allen Grand Prairie, TX

I purchased ally extended auto warranty on my 2016 Chevrolet traverse, luckily I did my a/c died about a week after I purchased that warranty , I had a zero deductible so I chose my repair shop and dropped off my vehicle, the dealer verified coverage and my repairs were made and my vehicle was returned in a timely fashion , my 4 star rating is do infact that there's not an app I can utilize to verify my payments and account information

3 years ago

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Kevin McKee Houston, TX

Ally Auto Gap Total Loss Dept will drag out your claim for about 3 months then while you are still making payments will low ball you payoff balance any still make you liable for the balance owed. So be aware GAP coverage with Ally doesn’t guarantee your loan will be paid off.

4 months ago

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Tim Kramer Chicago, IL

Talk about getting what you pay for. What a great experience when you need it the most. Extremely friendly and helpful customer service that took care of my issues is a quick and easy manner. I highly recommend them to all.

1 year 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.

2 years ago

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Tony New Braunfels, TX

A couple of months of owning a Chevrolet my sensors went out. Took two days for techs to find the problem. They ended up having the vehicle for over a week. I had no worries due to Ally raking are of everything for me.

2 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.

2 years ago

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Jake Mohrlang La Salle, CO

Extremely difficult to work with. They make the shops jump through an unbelievable amount of hoops on every repair to get approved along with only covering a very limited amount of the repair plus requiring the customer to pay a deductible making repairs under $500 not even close to worth it.

7 months ago

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Rgill65 Ventura, CA

I am at the mercy of the warranty adjuster who I can not contact per company policy. Took my jeep in to the dealer for a vibration. Dealer recommended replacing the transfer-case and needed approval from the Ally adjuster. The adjuster denied the recommended repair and opted to rebuild the transfer-case. Jeep has been in the shop for over a month and parts are on back order with no estimated time of delivery. Dealer has requested several times to replace the transfer-case; which is available, only to be denied. Dealer has done their part Ally has not. I have contacted Ally only to be told to have the dealer call them. I can not get any information on who the adjuster is or a process to get resolution. As the owner of the warranty you have zero recourse when a repair parts are not available. I would like to know why this is being denied. Any cost savings have been lost with the month long loaner vehicle. Customer service reps are friendly but just following a script. Very frustrating shell game. Horrible company do not waste your money on this product. Can't imagine how much worse this would be at an independent garage.

1 year ago

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Tonya Little Rock, AR

Has a customer service that is VERY HARD TO REACH! Tried to call for days only to finally get through to them and they tell me that they cannot cover something as little as a door handle. This warranty is NOT as it was described. While taking a car full of kids to their baseball game in Bryant Arkansas my car handle literally flew off of my car and I had NO IDEA what it was that flew off until I got to the ball park. My mother in law was driving behind me because she didn't know her way to the park and she saw something fly off of my car as well. When we arrived at the ballpark and I went to let the kids out...I realized it was my door handle. So I called 1 800 631 5590 to make a claim and have it repaired and they told me that unless I had my car handle that they could not help me. This is crazy!!! #1, I had no idea what it was that just flew off of my car. #2, even if I would have realized it, I wouldn't have risked my kids life nor mine to try and find it on an interstate and #3, if their wasn't something wrong with it, it would have just flown off the car in the first place. I asked them to let me bring the car in because maybe they can look inside the door and see what was wrong but the guy just refused and said their was nothing they could do! This is worthless insurance to argue over such a thing as a door handle that there is NO WAY I could have in my possession. People don't need to waste their money on this insurance.

1 year ago

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Jordyn Grants Pass, OR

Fantastic coverage. Most of these reviews are negative towards the dealership, or frustrated towards non covered items. My advice - go to a reputable dealership for service!

2 years ago

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Seve & Marilyn Rupert, WV

In 2016 my wife and I purchased a 2016 Dodge Ram truck. When we purchased the truck we bought an extended warranty through Ally Premier Protection Major GUARD at the dealership for our vehicle which was a total of $1802.00 with tax. It stated it expired at 10000 miles or 60 months. The first 36 months or 36000 miles on the vehicle was covered under the manufactures warranty and Ally would not have covered any repairs during that time, as it was under manufacturer warranty. We cancelled the policy in October which would have been less than 3 months that it was not covered under the manufacturers warranty and we never used the warranty at all. We would like to know how that it cost $1200.00 for 3 months coverage? We received a refund of only $602.00 for that 3 months ALLY would have actually covered the vehicle . We would like to say that we will never deal with Ally in any capacity again nor will we ever recommend Ally to anyone. Your very dissatisfied customers, Marilyn & Steve

2 years ago

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Jennifer Cook Chocowinity, NC

A waste of money! Bought a 2016 Jeep Patriot from the dealer, that was left over lot car. It had 8 thousand miles on it. Bought the extended warranty including road Hazzard for the tires. I have had the Jeep for 9 months now and on my lunch break came out to my car with two flat tires on the passenger side. Had it towed to nearest Jeep dealership and they couldn't find anything wrong with them but kept it overnight to see if they went flat again. At work the next day the dealership told me they were flat due to being bald. Told me I needed new tires. Even bald tires hold air! I have driven the Jeep for less than 20 thousand miles..they were not bald. Then they said I must have hit a curb. I did not. Then the final story from the service department was they were dry rotted. So of course my warranty does not cover dry rot. Like I said, I have had it for 9 months and drive it to work everyday and I must have hit something in the construction on the highway to work. And due to dealership lies my warranty is not covering the cost of new tires. Both front and rear tires were damaged from the road. Not worth the price of warranty I paid to not cover what they promise. Dissatisfied with both the warranty and the dealership for not standing by the contract.

2 years ago

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Renée-Paule Ella Irving, TX

Too bad zero star isn't an option. DO NOT PURCHASE Ally Protection Plan!!! IT'S A RIP-OFF!!! I purchased that plan a little over a year ago. Shortly after buying my vehicle (2016 Hyundai Santa Fe), I had to replace the front & back breaks and paid out of pocket because Ally Protection Plan doesn't cover it. The ONLY thing they cover is electrical & engine issues which they will FIND A REASON NOT TO PAY for it. My vehicle's engine gave up on me and their adjuster DENIED me for repairs.

1 year ago

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Preston Stephens Modesto, CA

If you want to purchase something for a very inflated cost and then have no idea how to actually access your account or go about using that you paid a large amount for, have no card displaying your name and account number or online access to see what your account activity or coverage is than this is the extended warranty for YOU!!!!!!!!!!!! THIS IS A JOKE, BIGGEST WASTE OF MONEY I HAVE EVER UNFORTUNATELY THROWN IT AWAY ON!!!!!!!!!!!!!

2 years ago

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David Orchard Park, NY

Read the FINE print. This company will leave you high and dry. Ally will not come thru when you need them. They have great coverage until you need them. Then it will be...well on page six it clearly states that there was.... so you are not covered. Any loophole will be exploited. If you are looking for a piece of mind, look somewhere else. Looking for a headache from a company that does not care, sign up with Ally.

2 years ago

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Richard Ontario, CA

Great warranty cover everything on my M3 thank god I bought the warranty or it will cost me thousands

1 year ago

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FRED Denver, CO

VERY POOR CUSTOMER SERVICE. WILL NEVER AGAIN HONOR ALLY SERVICE CONTRACT AT OUR SHOP. VERY HARD TO GET AHOLD OF REPRESENTATIVE, JUST TO HAVE CLAIM DENIED BECAUSE OF ADDRESS CHANGE. REP. WAS VERY RUDE, AND OFFERED NO HELP AT ALL.

2 years ago

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Jim Durham, CT

This is the worst company I have ever dealt with. I canceled the extended warranty and was told I would get the check on 3 different dates. The check never came. I have called them 7 times with each call lasting a minimum of 45 minutes. It's been 2 1/2 months and I still havent recieved the check. WORST COMPANY EVER!!!!!!!

2 years ago

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Mark Evers Lehi, UT

Great insurance if your car has higher miles. I have used them for several of my cars and they have paid out claims when I have needed them to!

3 years ago

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Shari Evers Lehi, UT

Good warranty if your car has higher miles. No complaints from me. Thank you for covering the claims that were submitted on my behalf.

3 years ago

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Adam Stockbridge, MI

Doesn't cover stuff that goes bad,normally. Car needed brakes. Not covered was pads, rotors,calipers, and brake flush. Lines are covered.

1 year ago

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Andre Moore

Anytime you need service they are very helpful

3 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.

3 years ago

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James Idol Cary, NC

Took two weeks for Ally to come through with payment to dealer.

1 year ago