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Protect My Car

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46 User Reviews

5.8

Overall Score

Protect My Car (PMC) offers extended warranties and vehicle maintenance plans. Its extended warranty plans include 24/7 roadside assistance and rental car reimbursement and come with a $100 deductible. Protect My Car’s Ambassador Maintenance Plans offer discounts for car repairs with deductibles of 50 percent or 25 percent.

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Customer Review: Kay Malloy from Edison, NJ

"My college roommate recommended Protect My Car to me six months ago. I thank her all the time because Protect My Car has been there for me multiple times when I needed them. My Car has not been the most reliable but Protect My Car definitely is! I recommend them to all my friends."

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The Good

  • Basic Warranty Features
  • Vehicle Maintenance Plans
  • Roadside Assistance
  • Rental Car Benefit
  • Flexible Payment Options
  • 30-Day Money-Back Guarantee
  • Insurance Available
  • Special Discounts and Rewards

Basic Warranty Features

Protect My Car offers three extended warranty plan choices. These plans offer coverage for repair costs for parts specified in the contract, with added features offered for higher-tiered plans. The max mileage covered by these extended warranty contracts is 125,000. 

Here's a basic breakdown of the three Protect My Car extended warranty plans: 

The Driveline Plan

  • Deductible — $200

The Driveline extended warranty from Protect My Car is designed for high mileage cars that are 4–10 years old that have clocked 80,000+ miles, Driveline covers the following systems: engine, transmission, transfer case, differential assembly, drive axles, cooling systems, air conditioning and heating, timing chain, and electrical systems. The coverage period for this extended warranty lasts up to five years or 125,000 additional miles.

The Select Plan

  • Deductible — $100

Designed for vehicles with more than 50,000 miles, the Select plan from Protect My Car provides all Driveline plan benefits, plus front and rear suspension, and select brake system components. 

The Supreme Plan

  • Deductible — $100

Comparable to a traditional bumper-to-bumper new car factory warranty, PMC's Supreme vehicle service contract includes coverage for the vehicle's turbocharger, in addition to the systems and components already covered in the Driveline and Select warranty plans. Clients can also add coverage for the navigation system. 

Read More: Comprehensive Guide to a Car Warranty Service Contract

Vehicle Maintenance Plans

Protect My Car's Ambassador vehicle maintenance contracts for older cars help differentiate it from many car warranty competitors. PMC's Ambassador Maintenance Plans offer contract holders discounts on repairs, plus a handful of other fully covered services.

Most vehicles are eligible, regardless of their age or odometer reading, including certified pre-owned vehicles. The product line is ideal for consumers with cars with more than 150,000 miles or cars that are over ten years old.

Ambassador Maintenance Plans include the following basic benefits: 

  • Two tire rotations per year
  • Three oil changes per year
  • Rental car reimbursement
  • Guaranteed repair bill savings of 25-75%

All Ambassador plans cover the engine, transmission, transfer case, drive axle, differential assembly, front and rear suspension, cooling system, air conditioning and heating, electrical, select brake system components, timing chain, turbocharger, and navigation. None cover navigation repairs. Plans differ by their required deductibles and additional benefits. Typically you pay for these plans through monthly payments.

Ambassador Elite

  • Deductible — 50%

This car warranty contract is the most comprehensive plan offered through the Ambassador plans and also the most expensive. Aside from the coverage available on all five of the plans, it also offers roadside assistance, rental car reimbursement, free oil change, and free tire rotations. A 50 percent deductible is required for this plan. This means that you must pay 50 percent of the licensed repair facility's original estimate of the cost of repairs. There is no required deductible for the oil changes, tire rotations, roadside assistance, or towing.

Ambassador Pro

  • Deductible — 50%

Aside from the coverage that all the plans offer, this warranty plan also offers rental car reimbursement, free oil changes, and tire rotations. These four additional benefits do not require a deductible, but the other features have a 50 percent deductible. This requires you to pay 50 percent of the licensed repair facility's original estimate of the cost of repairs. 

The Pro plan does not provide any roadside assistance benefits. 

Ambassador Platinum

  • Deductible — 25%

Aside from the coverage that all the plans offer, this warranty plan also offers roadside assistance. 

Roadside Assistance

Protect My Car offers its customers 24/7 roadside assistance as part of all warranty plans. Emergency roadside assistance gives peace of mind because no matter where you are, you can get help in the event of a breakdown.

Rental Car Benefit

Protect My Car also offers rental car benefits when your car needs a covered repair that is scheduled to take four or more hours to fix. 

Rental car reimbursement offers additional financial security because it makes it easier to rent a car if you need one while your car is in a repair facility. It also offers consistent and reliable transportation while their car is in a repair shop because the cost of a rental car is reduced through the refund stipulation outlined in the vehicle protection plan.

Flexible Payment Options

Protect My Car's extended warranties have flexible payment terms, which makes it easy for car owners to find an affordable plan with monthly payment plans that last 36 to 48 months.

30-Day Money-Back Guarantee

All PMC extended warranty plans include a 30-day money-back guarantee, offering a full refund of your down payment. 

If you cancel after the first 30 days, you are entitled to a prorated refund (based on time or mileage), but an additional $50 cancellation fee will be deducted from your refund amount. 

In either case, any claims paid will be deducted from your refund amount. 

Insurance Policies Available

Protect My Car is also a third-party, licensed insurance vendor in 21 states. The warranty company can offer discounted renters, homeowners, and auto insurance. Bundling policies can provide an additional discount.

When potential clients request a quote on an insurance policy from Protect My Car, they will receive quotes from five car insurance companies partnered with Protect My Car.

Special Discounts and Rewards

Discounted rates for students and military members are available with PMC. Make sure to mention this to your service rep for more details. 

This service contract provider also offers a special rewards program that provides savings and discounts at participating stores and restaurants. Once you join, PMC customers will get rewards dollars to spend every month. 

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The Bad

  • Warranty Cost Info 
  • Emphasis on Maintenance
  • Not Available Nationwide

Warranty Cost Info 

Protect My Car offers its customers a 30-day money-back guarantee, monthly interest-free payments, and low deductibles for its service. The company does not disclose its specific costs beyond these statements. However, this lack of upfront cost information is common for the extended warranty industry. The car warranty industry strongly relies on the need for an individualized quote. 

Why?

The cost of your car warranty depends on the plan chosen, car mileage, car make, and car year, which means that there’s variability. You can enter your specific details online to get a free, instant quote. 

Emphasis on Maintenance

Each protection plan offered by Protect My Car includes some aspects found in a manufacturer's powertrain warranty, with the engine, drive axles, and transmission covered.

As repairs to these components are often very expensive, for them to be covered, the customer must have immaculate record keeping of all maintenance to avoid the claim being denied. Getting a regular oil change and other necessary maintenance will help keep your extended auto warranty valid. Therefore, it is crucial to keep detailed paperwork on all auto repairs. 

Read More: What Voids an Extended Car Warranty

Not Available Nationwide

Protect My Car does not offer its warranty services to car owners in the following states:

  • Alaska
  • California
  • Hawaii
  • Missouri
  • Oklahoma
  • Washington

Car owners in those states will have to look at other extended warranty companies.

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The Bottom Line

For consumers seeking vehicle protection and peace of mind, Protect My Car offers several extended auto warranty plans and car protection plans. Each service plan has excellent features, like 24/7 roadside assistance and rental car reimbursement. These additional features are common among extended car warranty companies.

Potential customers should speak with a Protect My Car representative for more specific details on pricing, availability, and warranty coverage specifications. As with all vehicle service contracts, be sure to carefully read any vehicle service contract and understand the terms before signing up.

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Star Rating

4.3

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46 Reviews

Review Breakdown

5 grade

70%

4 grade

9%

3 grade

9%

2 grade

2%

1 grade

11%

Sentiment Criteria

Value

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Quality

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Service

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Verified Customer

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Loretta Corning

Three oil changes a year. Easy to call and make a request , or questions about what is covered by your policy. Could’ve been available on the weekends, it could’ve been more convenient for a garage to fix my car. Otherwise, I have been satisfied with Protect My Car

6 months ago

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Verified Customer

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Kevin renard

I would highly recommend pmc to other people ive checked out the rest and pmc is the best as far as the rates go for the money and the customer service and the opportunity to have pmc as a affordable source of mechanical client tell is great. Not even car shield offers what pmc does

7 months ago

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Verified Customer

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Ron

I had a repair done and the mechanic shop was so happy with PMC! They said that it was the easiest warranty repair company that they had ever dealt with. My bill was $400 and I paid a $100 deductible. Super pleased!!!

7 months ago

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Verified Customer

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Joel Wildman

The most outstanding customer service I have experienced. Every call I made was reassuring that I was important and that I was first when it came to customer service.

7 months ago

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Verified Customer

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Elizabth

The customer service is always helpful and pleasant anytime I need help I'm helping a timely fashion this company is wonderful

6 months ago

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Verified Customer

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Minerva Brown

Rental car the company is great to have. They work with you find the best payments for you help out in any way they can.

7 months ago

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Verified Customer

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Valerie Rich

From the time we be had the service, it has been good. No complaints over here. It’s a great experience and I hope it continues.

7 months ago

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Verified Customer

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Lydia Joan Steen

Superb customer services those requested for service is very satisfactory accommodations listed and done professionally .

7 months ago

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Julie

They have been able to help cover a car repair or two and it is great having the free oil changes/tire rotations. Thank you.

7 months ago

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Butch Howard Seminole, FL

I had the Select package with $100 deductible for each repair done. I have a 2011 Silverado I bought in 2016. Being on disability I was offered a discounted monthly fee, cool. I made every payment for 4 years with zero issues and kept records of my vehicle maintenance on MyCarFax which I was told they check to make sure customers were following their policy of regular maintenance. Two weeks after my last payment my truck developed issues. Took it to a local shop to get looked at and informed them I have Protect My Car for extended warranty. Shop manager informed me they had dealt with PMC in the past with great results and PMC has an account with them. The shop went over my truck on 3/13/2020 and did up an estimate of what was wrong and cost. Not going into the list but the cost to repair was just over $1600. Manager got on the phone and after some discussion PMC said they'd cover the repairs including labor. My part was a $100.03 deductible. GREAT! Skip ahead to today, 3/24/2020, a couple more issues showed themselves thanks to the repairs done the week before. Stopped ast the shop this morning and there were a couple things that needed repaired. Shop manager jumped on the phone to PMC and went over what was wrong, what they were causing and the cost to repair. Once again PMC came through to cover the $2500 repair bill with me paying a small deductible. That's over $4100 PMC has paid to fix my truck and I am super happy with my decision 4 years ago to buy the extended warranty. I highly recommend Protect My Car for peace of mind.

1 year ago

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Jessica Hoover Garland, TX

I received a call last week from Tiffany with Protect My Car. At first I thought she was just a normal sales person just trying to sell me something. Then I started to talk to her more and she really was very sincere. She answered all my questions honestly and I did not get that icky feeling she was just trying to get my money. She was very knowledgeable. She explained all the great benefit Protect My Car has to offer. I explained to her I wanted to do some more research. So then I researched the company myself and found all the great reviews they had. I called Tiffany back and signed myself up. I am excited to have all the amazing coverage.

3 years ago

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Jeff Polizzi Clearwater, FL

Protect My Car has helped my family and I 4 different times since I have purchased my extended warranty contract for my used car. The claims department is very fair, my last repair was $4,103.67 and of that Protect My Car paid a total of $3,649 + I paid my $100 deductible. The difference was related to a hose and some fluids which is not covered by the contract I chose so I paid that difference. Consumers need to understand the terms of Protect My Car's contracts, Protect My Car has the best billing options, they allowed me to pay my 5 year contract off over 4 years making my monthly payment 65% lower than the so called "Top Rated Companies" on this site. Protect My Car's roadside assistance department has had a tow truck pick me up 4 times and they did live up to their 35 minute pick up guaranteed time.

4 years ago

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Verified Customer

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Wayne

It's been just okay, not great. It took 2.5 days to get the dealership paid for an oil change. The maintenance was not on my primary vehicle, thank God..

7 months ago

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Amy yates Miami, FL

I absolutely love how easy my claim was with Protect My Car. I brought my car in for repairs to the mechanic. Protect My Car worked with the mechanic and all I had to do was show them my id card and pay my deductible. I saved a lot of money compared to if I would have had to pay for the repairs outright. The representative from Protect My Car was so easy to work with.

3 years ago

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Darcy Cresswell New York, NY

Unfortunately my car has been having a lot of problems so I have been using protect my car a lot. All the staff I have spoken with at protect my car have been great. They have been so helpful. My car problems have been frustrating but they have made it so much easier for me. They have always made sure I knew what was going on with my repairs and let me know when to expect the repairs to be completed. Their communication is impeccable.

3 years ago

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Erika Mazurek Edison, NJ

On our vacation to Florida to visit Disney World, our transmission went out on our Toyota Sienna. We made a call to Protect My Car and the customer service rep was able to walk us through the procedure of getting our van fixed. Protect My Car was able to get us a rental van while ours was being fixed. They really made the experience very easy and stress free.

3 years ago

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Rosa Weatherford Schiller Park, IL

I have had a couple friends recommend Protect My Car to me so I had to call them today. I just got off the phone with Olivia a representative from Protect My Car. She went through all the benefits of having an extended warranty and all the different plans I could choose from. She was very sweet, patient and knowledgeable. She was so great I decided to sign up today.

3 years ago

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Rose Sims Miami, FL

This is embarrassing but last week I locked my keys in my truck. I was getting my groceries out of the trunk when the keys fell in as I was shutting it. Unfortunately the doors were all locked. I called protect my car and they were amazing. They had roadside assistance there to help me in 20 minutes. I am so happy roadside assistance is included in my plan.

3 years ago

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Verified Customer

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Gerica Cammack

The Customer Service is excellent. I love the service and product.

5 months ago

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Sylvia Hollins

They're very professional and accurate. There rates are good and they pay for oil changes.

7 months ago

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Amos Young

Good with very fast service. Customer service helped with connecting me to the right vendors.

7 months ago

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Carol R.

Not much . I havent been in situation where I've had to use.services beside getting an oil.change priced at what I pay for to attain services

7 months ago

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sean mckinney Austin, TX

Protect my car is very bad about defining what is 100% mechanical and electrically covered, this policy is full of loopholes, and it's essentially a very well played out scam. I've spent $500 of coverage to protect my car so far, I have $2,200 in repairs they won't cover so now I'm technically upside down on this deal and my car. At this point it'd be more cost effective to lease a BMW which is ridiculous. Thank you PMC, I will let all my friends know this is a huge scam and I learned my lesson about 3rd party insurance. I hope this company goes bankrupt, it's the least you guys deserve!

5 months ago

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Kay Malloy Edison, NJ

My college roommate recommended Protect My Car to me six months ago. I thank her all the time because Protect My Car has been there for me multiple times when I needed them. My Car has not been the most reliable but Protect My Car definitely is! I recommend them to all my friends.

3 years ago

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Donna Moore Piscataway, NJ

My husband and I were the first ones in our family to sign up with protect my car. We loved them so much that we recommended them to the rest of our family. Now our two daughters and both our son in laws have protect my car as well. All of us have absolutely loved the services we have received. The benefits have been amazing!

3 years ago

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Fatimah Stovall Edison, NJ

I have been with Protect My Car for a year now and I would just like to say how much I like their services. They have always been there when I needed them. The two claims I have made were extremely easy and quick. Their staff is kind and efficient. I recommend them to all my friends and family.

3 years ago

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kendall sims Edison, NJ

I am so happy I decided to get an extended warranty with protect my car last year. I have had to make 5 claims since I signed up. The staff at protect my car has been so great. They are always so knowledgeable and helpful. The amount of money I have saved on repairs has definitely paid for the warranty.

3 years ago

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Sharen Buck Edison, NJ

Protect My Car has given me outstanding service. I was in the market for a warranty company and my boyfriend recommended them to me. Stephanie from Protect My Car handled the claim I submitted a couple weeks ago and she was so thorough. I recommend them to everyone. I couldn’t be happier with the service I have received thus far.

3 years ago

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Verified Customer

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Tamika

Helped to lower vehicle repair costs. Customer service is very good.

7 months ago

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sandy nelson

Great to work with. Good communication. Excellent information when you ask for it.

7 months ago

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Antwann Hurst

Awesome They are very trustworthy, and a great price for all the coverage. .

7 months ago

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Verified Customer

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Carla Robbins

Great experience quick service. Trouble with car and repairs made quickly.

7 months ago

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Brady Wooley

they take care of business times i call for situation they took care of me

7 months ago

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Hubert

My repair shop said they were great to deal with.

7 months ago

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mary meadows

service as promised, expediant and curtious

7 months ago

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James

Getting my first Oil Change was very quick getting in with no issues (MEINEKE)

7 months ago

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Will

great fast service in and out with rental

7 months ago

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Susan Sutton

I have only claimed an oil check and it worked fantastic

7 months ago

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Sherrion Rainwater

Good co. Need to be honest with payment options

7 months ago

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Haidyn Houtz South Jordan, UT

I loved working with this company! They made me feel comfortable and made sure that my car was protected for you. Would definitely recommend working with them.

2 years ago

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TS

Policy is full of loopholes. The list of exclusions alone should raise red flags. This is an unlicensed, unregulated, predatory offer. I recommend speaking with your licensed insurance agent before you ever consider one of these. They can show you the gaps and risks. What they say up front to sell this is NOT WHAT YOU GET

1 year ago

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kerry perez Orem, UT

I used this guys for car repairs insurance and they didn't do anything for me, the mechanic shop that they dealt with took weeks for responses to be received, i finally had to do it myself and they ended not covering anything at all.. overall the experience was not good at all.

1 year ago

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Verified Customer

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Kameron Cavazos

Poor, the rewards center is a scam and provides no use .

6 months ago

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Spencer Gulf Breeze, FL

This company called me when I was on a do not call list. They are illegally cold calling individuals. Would not trust anyone like this if I was purchasing car insurance.

1 year ago

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Fernando Delgado Tempe, AZ

We had our car warranty with Protect My car but did not cover the car repairs we had only covers some things.

2 years ago

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Tamara Astter McHenry, IL

$50 to cancell! "Stress free"! Still calling me ....

2 years ago

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