Protect My Car Reviews
We rated Protect My Car 4 out of 5 stars with the destination of Best Benefits because its flexible plans and payments terms. In this article, we’ll analyze Protect My Car’s coverage, cost, benefits, claims, and customer service and provide you with our recommendation so you can identify if PMC is the company that best fits your needs.
How Does Protect My Car Work?
Protect My Car was founded in 2005 and is headquartered in St. Petersburg, Florida. The company is an extended warranty provider that offers several plans that cover a wide range of vehicles and conditions.
Protect My Car offers three levels of traditional service contracts for cars that are less than a decade old, as well as maintenance plans for older vehicles. You can also choose a 60-month payoff term, longer than what competitors offer.
Protect My Car Company Info
- Company Name: Protect My Car
- Year Founded: 2005
- Headquartered in: St. Petersburg, Florida
- Protect My Car Address: 570 Carillon Pkwy 3rd floor, St. Petersburg, FL 33716
- BBB Accredited: None, but it has an A rating
- Protect My Car Phone Number: 888-430-0227.
- Protect My Car Customer Service Number: (888) 964-6754
- Partnerships/Endorsements: Certified by the Association of Certified Vehicle Protection Professionals
Call Protect My Car
To make sure you are getting the right warranty coverage at the best price, visit the Protect My Car Website for a direct quote or call 888-430-0227.
Protect My Car Warranty Plans
Protect My Car offers three levels of extended warranty plans, which are actually service contracts that cover repairs for mechanical breakdown of important parts of your vehicle. The company also offers the Ambassador Plan for vehicles that are too old or that have too much mileage to qualify for one of the service contracts. Protect my car covers vehicles that are up to 10 years old and have up to 125,000 miles. Additionally PMC offers high mileage plans for vehicles with up to 300,000 miles.Protect My Car coverage is not available in California, Florida, Missouri Washington and Oklahoma.
The Driveline Policy 
The Driveline policy is designed for vehicles that are four to 10 years old and have more than 80,000 miles. The policy covers owners for five years or until they reach 125,000 miles. After the $100 deductible, the policy pays for repairs in the engine, transmission, transfer case, differentials, cooling system, electrical system, climate system, timing chain and a few other parts. The plan pays for these items completely, as long as conditions have been met and nothing has been voided.
The Select Policy 
The Select policy is for vehicles with mileage around 50,000. Like the Driveline plan, it has a $100 deductible and covers all the parts covered by the basic plan, adding front and rear suspension and select brake system components to the coverage list.
The Supreme Policy 
The Supreme policy is best for cars where the manufacturer’s warranty has just expired and for owners who expect to keep their vehicle for several more years. It covers everything the Select plan covers plus coverage for the turbo charger and optional navigation coverage.
Protect My Car Ambassador Elite 
An Ambassador policy is a vehicle maintenance plan that is guaranteed to reduce the cost of repairs by 25% or 50%, depending on the policy you choose. Protect My Car’s claims adjusters work directly with the shop handling your repairs to reduce the cost of covered mechanical repairs. Owners can also get free oil changes and tire rotations with some Ambassador plans.
Choose from five Ambassador plans, with deductibles of 50% or 75% of covered repairs. Not all policies include roadside assistance or oil changes and tire rotations. The Ambassador policy line is designed for cars that have too many miles or are too old to qualify for any of the service contracts.
Protect My Car Insurance
Protect My Car Insurance Company? Many people don’t realize that, along with their award-winning extended warranty plans, Protect My Car offers mechanical breakdown insurance policies with their Protect My Car Ambassador Elite program
Ambassador Elite Insurance
While the company doesn’t offer extended warranty plans for vehicles that are 13 years or older, you can purchase maintenance insurance through the Ambassador Elite program. These insurance contracts guarantee a discount that ranges between 50 and 75 percent.
Ambassador Roadside Assistance
Along with maintenance insurance, the Ambassador program also comes with 24/7 roadside assistance, rental car reimbursement, and other benefits for older vehicles. You can call roadside assistance if you need your vehicle towed to the nearest repair shop in the event of a breakdown.
Protect My Car Roadside Assistance
Below are additional benefits that come with Protect My Car plans:
- 24/7 Roadside Assistance
- Rental Reimbursements
- Coverage For Electronic Items Like The Navigation System*
* Supreme Policy Only
Protect My Car Coverage Exclusions
The following repairs aren’t covered:
- Damage from total loss
- Repairs needed from not following factory maintenance guidelines.
- Improper use of vehicle (racing, offroading)
- Heavily modified vehicles
- Wear and Tear Items
- Regular Maintenance
According to Protect My Car, as long as there are no problems with the vehicle when you begin coverage, you will not be required to have a vehicle inspection.
How Much Does a Protect My Car Warranty Cost?
Based on our research, Protect My Car’s Supreme Plan costs about $58 to $96 a month for four years of coverage. Compared to other car warranty providers, Protect My Car’s costs are a little above average. Protect My Car prices range from about $55 to $100 per month for a 4 year Supreme plan. All in all, Protect My Car’s cost are a little above average.
We’ve collected sample contracts from across the internet and reached out to Protect My Car directly for quotes in order to obtain accurate price data. Ultimately cost depends on specifics like vehicle make and model, mileage, and the region you live in.
Protect My Car Rewards Program
For loyal customers, Protect My Car offers the PMC rewards program, which is essentially a dining discount reward program. Customers get $50 to start with the program, with rewards adding up every month you are a member. There are over a half a million ways customers can use the program.
Protect My Car Claims
Customer reviews suggest that filing.a claim with Protect My car is easy, requiring only. a phone call. Of customers reviews that say filing a claim can sometimes be difficult with Protect My Car, it is often because the company has to get an estimate from the repair shop. Per our research, we found that this is often the case with many Extended warranty companies and is one of the main reasons for complaint. All in all, we found the Protect My Car claims process to be rather smooth.
Reasons Claims Are Rejected
One of the major reasons claims are rejected is because a component needing a repair isn’t covered. Often, this can be a wear item like brakes or ties. It can also be a drivetrain component that isn’t covered. Claims rejections can occur for the following reasons:
- Unproved or aftermarket parts were used in a previous modification or repair
- The vehicle odometer has been tampered with
- There has been damage from enviormental factors like weather
- The car has been wrecked
Protect My Car Repair
With Protect My Car, you can get your vehicle repaired anywhere in the continental US, as long as it’s a licensed repair facility. You can get an interest free card and repair your car anywhere you want.
Protect My Car Cancellation Policy
Along with above average benefits, you can cancel Protect My Car within 30 days. The company offers a 30-day money back guarantee for those who wish to cancel their plans.
Protect My Car Extended Warranty Reviews
We gave Protect My Car a 4.0 out of 5.0 star rating with the destination of Best Maintenance benefits in 2021. Along with the maintenance contract offerings, being able to choose between extended warranty plans has lots of flexibility, especially when you consider the long and flexible payment terms.
Protect My Car Ratings
All in all, Protect my car is among the top providers in the industry. The BBB has many excellent reviews from customers who are extremely happy with the company’s flexible payment plans, wide range of coverage options, and the fact that every plan includes roadside assistance.
Below are our reviews and ratings for Protect My Car Extended Warranty plans and services, as well as recommendations for who would be best served by a PMC extended warranty plan.
- Best for: People who own older or high-mileage cars. Protect My Car provides extended-warranty-style service contracts for cars that are up to 10 years old. Owners of older or high-mileage cars can choose the Ambassador Policy, a vehicle maintenance plan that pays a portion of the costs for covered repairs and which may include free oil changes and tire rotations.
- Roadside assistance: Protect My Car provides 24/7 services such as towing, fuel delivery, and tire assistance.
- 30-day trial: You get your money back if you decide you don’t want the policy within the first 30 days.
- Flexible payments: The company allows you to choose the coverage you need and spread payments out over up to 60 months. With the longer payoff period, monthly payments are lower.
- Choice of plans: Protect My Car offers three levels of extended warranty coverage that are designed for cars of different ages, as well as five maintenance plans for older cars.
- Low deductible: The deductible on all the extended warranty plans is $100.
protectmycar.com Reviews
In the internet era, a good customer experience means more than just experiences speaking with a representative. The sections below look at our www.protectmycar.com reviews, with analyses on several elements of the site. In addition to transparent sample contracts, Protect My Car also has an online quote tool to help you find the best plan for you.
Is Protect My Car Legit?
Yes, Protect My Car is legit, as the company maintains extremely high customer review ratings on the Better Business Bureau. Additionally, PMC is considered a reputable provider across the industry. If you are unsure about Protect My Car, below are some pros and cons to help you determine whether or not the company is legit:
Pros
- Maintenance plans for older cars can help owners deal with the costs of covered repairs. Some of the plans also cover the cost of oil changes and tire rotations.
- Flexible payment terms range from 36 months to 60 months, resulting in lower monthly payments.
- All policies include 24/7 roadside protection.
- Hundreds of customer reviews speaking positively of the company.
- Several tiers of coverage options with excellent flexibility.
Cons
- Rental car reimbursement is capped at $30 a day, which probably won’t cover the total cost of a rental.
- You must receive prior approval before any repairs can be started on your vehicle.
- Residents in Florida, California, Washington, Oklahoma, and Missouri not eligible for coverage.
Protect My Car Customer Service
One of the things that stands out about Protect My Car is their seamless customer service. Their customer experience is well integrated with their website and claims, repairs, cancellation and more all run pretty smoothly with the company.
Customer Protect Car Reviews
Real customer reviews from resources like the Better Business Bureau and Trustpilot are great places to gauge the quality of the services offered by an extended car warranty company. The scores PMC has on both platforms are definitely above average. On Trustpilot, Protect My Car has a 4.6 out of 5 stars based on 2,021 customer reviews.
Protect My Car BBB Reviews
On the Better Business Bureau, Protect My Car has an A+ rating and is not accredited. The provider has a score of 4.3 out of 5 based on 630 customer reviews and has had 152 customer complaints in the past 3 years on the BBB website.
PMC Warranty Positive Reviews
Below are positive reviews from Trustpilot:
“I had the pleasure good customer service by to customer service representative at protect my car one being Garrett Gibson very good professional lsim over the phone very helpful go over and Beyond the Call of Duty to make sure my experience with protect my car is good I will leave another review for the next individual on the BBB”
Gina P; 10/06/2021 on BBB
“I am see greats thing about protect my car I would recommend to my friends about protect my car and how somethings that they need to get done on their car that they would have to pay for.”
7/29/21 On Trustpilot
Protect My Car Complaints
Below are two example complaints from Better Business Bureau:
“I think they are crooks, don’t keep their words. Was told I’d we couldn’t get out of our previous warranty we can drop theirs. Their warranty no penalties. They didn’t cancel when hubby called them and they took $92.55 out of our account. Then when called back again they canceled for us but we lost that money they took.. Hence why I think they are crooks.”
Mary B.; 09/09/2021 on BBB
“I signed up for protect my car. And my engine failed. I contacted them to file claim as they say do and they made up excuses of why they couldn’t repair my engine. All the way to me having rims on my car. Basically saying they just didn’t want to pay the claim i was entitled to“
6/10/21 on BBB
Conclusion: Should You Get A PMC Warranty
There are many reasons why having an extended warranty can benefit both your financial situation and peace of mind. Protect My Car has great flexibility, both in terms of payment terms and the transfer and cancellation policies. It’s worth the time and effort to do the extra research to make sure Protect My Car is right for you.
If you are thinking about an extended warranty, the primary thing to consider is that you may not need one. If you have an older vehicle that has given you little trouble, you may not need a warranty. This also applies to those who plan on keeping their vehicle for a long time. There’s no reason to pay for a warranty when you will not have the car and not benefit from the coverage.
Frequently Asked Questions
Protect My Car has three extended warranty plans , Driveline, Select, and Supreme. Each plan covers the engine, transmission, drive axle, transfer case, differential assembly, A/C and heating, electrical system, timing chain, and cooling system. The Select and Supreme Plans cover more items than this and increase in price with the increase in coverage.
Yes, PMC is a legit company with high customer ratings on several platforms, including an A+ rating on the Better Business Bureau. In our review, we gave the provider 4.0 stars out of 5.0 stars.
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