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33 User Reviews

3.2

Overall Score

LAST UPDATED: October 12th, 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

2.5

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33 Reviews

Review Breakdown

5 grade

27%

4 grade

6%

3 grade

3%

2 grade

12%

1 grade

52%

Sentiment Criteria

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Quality

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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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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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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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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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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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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!

1 year 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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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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Andre Moore

Anytime you need service they are very helpful

3 years ago

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