Protect My Car: Reviews, Cost, & If It’s Worth It

Protect My Car: Reviews, Cost, & If It’s Worth It reviews auto warranties companies so that you save time and money—and still find the right car warranty provider for you. Protect My Car offers extended protections for newer vehicles and maintenance plans for car with high mileage.
Key Takeaway

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.


  • 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.


  • 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.

What to Know About Protect My Car: Reviews, Cost, & If It’s Worth It

  • 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.

Plans and Coverage

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.

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, and a few other parts.

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.

An Ambassador policy

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: Reviews, Cost, & If It’s Worth It Quick Facts

Company Name: Protect My Car

Year Founded: 2005

Headquartered in: St. Petersburg, Florida

BBB Accredited: None, but it has an A rating

Partnerships/Endorsements: Certified by the Association of Certified Vehicle Protection Professionals


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