American Auto Protect: Guarantee Information (2023)

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  • You possibly can’t buy a automobile service contract immediately from American Auto Protect.
  • American Auto Protect administers lots of the prolonged warranties bought by CarShield and CARCHEX.
  • The corporate provides handy contact strategies however receives complaints about the way it takes care of guarantee claims.

American Auto Protect (AAS) might not promote prolonged automotive warranties immediately, however you probably have an prolonged guarantee, there’s a very good likelihood it providers your plan. The corporate is an administrator for automobile service contracts bought by CarShield and CARCHEX, amongst different suppliers.
Our workforce checked out how AAS providers its warranties and manages buyer relations in comparison with the trade’s finest prolonged automotive guarantee corporations. We’ve outlined our findings beneath.

About American Auto Protect

Headquarters: Lakewood, Colorado

Telephone quantity: 303-420-7488

Higher Enterprise Bureau (BBB) star ranking: 2.7 / 5.0

American Auto Protect is a automobile service contract developer and automotive claims administrator primarily based outdoors of Denver. The corporate works with CarShield and different prolonged guarantee corporations to create protection plans and deal with claims. Whilst you’ve doubtless by no means contacted an AAS consultant immediately, it might be this firm that you just and the restore store want to talk with about getting your automotive mounted.

American Auto Protect provides nationwide protection, with the only exception of California. Along with service contracts for normal vehicles, AAS additionally providers warranties for all-terrain automobiles (ATVs) and bikes.

What We Like About American Auto Protect

American Auto Protect provides a wide range of methods for policyholders to submit claims and make contact with the corporate. Its web site,, provides submitting choices and instruments for locating close by restore services. The AAS web site even supplies a walk-through of the claims course of.

American Auto Protect Execs & Cons

American Auto Protect Execs

  • Useful web site
  • Pattern contracts out there on-line
  • A number of contact choices for submitting claims

American Auto Protect Cons

  • Doesn’t promote its personal plans
  • Spotty customer support evaluations
  • Has a warning from the BBB

American Auto Protect Guarantee Plans

American Auto Protect doesn’t promote its personal protection plans, however it manages the claims and guarantee protection for different suppliers. It does, nonetheless, listing out a couple of pattern contracts on its web site for different corporations that AAS providers.

We’ve offered a abstract of the plans out there on the AAS web site within the desk beneath.

American Auto Protect Guarantee Plan Protection Abstract
Diamond Highest degree of guarantee plan out there. Exclusionary protection just like a bumper-to-bumper guarantee.
Platinum Highest stated-component plan. Consists of stand-alone protection for seals and gaskets.
Deluxe A extra restricted stated-component plan that doesn’t embrace stand-alone protection for seals and gaskets.
Bronze Decrease-tier “wrap” exclusionary protection. Consists of safety for a lot of main programs, together with air con and audio.
Aluminum Downsized stated-component safety. Restricted protection for transmission components.
Tech Plus An electronics-only protection plan.
PT Gold Powertrain-plus guarantee safety for high-mileage automobiles.
Powertrain Fundamental powertrain guarantee for automobiles with as much as 250,000 miles on them.

Once more, the plans on the AAS web site are simply examples of the prolonged warranties bought by the corporate. Confer with your precise service contract for protection and deductible particulars.

American Auto Protect Advantages

The AAS web site additionally lists a couple of advantages that include the corporate’s automobile safety plans. These embrace the next:

  • Roadside help: Covers emergency providers equivalent to automotive lockouts, gasoline and fluid deliveries, and towing.
  • Rental automotive reimbursement: Covers the price of a rental automotive whereas your automobile is having lined restore work achieved at both the store or dealership.
  • Journey interruption protection: Covers meals, lodging, and different travel-related bills in case your automotive breaks down when you’re away from house.

American Auto Protect Opinions & Rankings

American Auto Protect doesn’t have the strongest fame as an prolonged guarantee supplier. Whereas the corporate isn’t rated by the BBB, it does have a present alert listed in opposition to it.

The alert states that the BBB has discovered “a sample from complaints and buyer evaluations relating to American Auto Protect’s promoting, assure or guarantee, and/or customer support points.” It goes on to say that varied prospects reported not with the ability to see exclusions to their automobile service contracts till after the acquisition.

Whereas complaints are considerably typical for any prolonged auto guarantee supplier, the alert isn’t a comforting signal. American Auto Protect has responded to 100% of buyer complaints, nonetheless, exhibiting that the corporate no less than makes an attempt to resolve buyer points.

American Auto Protect Buyer Rankings

American Auto Protect earns 2.7 out of 5.0 stars from prospects on the BBB. This can be a increased rating than a number of of the highest guarantee suppliers, regardless of the complaints in opposition to American Auto Protect. Clients give American Auto Protect 3.5 out of 5.0 stars on Trustpilot, which is about common for the trade.

Constructive American Auto Protect Opinions

Many policyholders report having sturdy experiences with American Auto Protect. Constructive evaluations have a tendency to say good experiences with customer support representatives and quick response occasions, particularly for roadside help. Listed here are a couple of examples:

“Nice customer support. Service tech was pleasant, very courteous, and fairly skilled. It took about one hour from my first name to a whole service decision.” – Tom B. by way of BBB

“My service request was dealt with shortly. The roadside assistant was affected person and really useful.” – Bobby G by way of BBB

American Auto Protect Complaints

Our workforce additionally discovered varied adverse evaluations for AAS on-line. Most complaints focus on poor claims-handling experiences, both because of misunderstandings about protection, sluggish processing occasions, or troublesome claims adjusters. Listed here are some examples:

“When the restore did not right the problems, [my representative] was once more requested to authorize alternative of the transmission. They requested additional testing, once more at my expense. Practically two months later I’m nonetheless ready for authorization and restore.”  – Dan Okay. by way of the BBB

“Buyer wanted a automobile, and approved repairs to get the automobile again. On account of this, American Auto Protect declined to pay for the repairs. It was an inner engine failure, they repeatedly wouldn’t name or electronic mail.” – Weatherly’s Auto Service by way of the BBB

American Auto Protect: Conclusion

Based mostly on our analysis, American Auto Protect supplies policyholders with precisely the protection and providers outlined in its contracts. The corporate seems to lean closely on the letter of its service agreements to keep away from paying for claims that may fall even barely outdoors of the agreed-upon protection.

That stated, complaints symbolize a fraction of the individuals who maintain service contracts administered by American Auto Protect. If you are going to buy an settlement with an organization that makes use of AAS as an administrator, rigorously learn the high-quality print to grasp what’s and isn’t lined. We’d advise that for any supplier, however it’s particularly essential with American Auto Protect.

American Auto Protect: Beneficial Alternate options

If American Auto Protect doesn’t sound like your very best guarantee administrator, you could have loads of different choices. It’s a good suggestion to buy amongst respected prolonged automotive guarantee corporations to find out which of them provide high quality protection at aggressive costs.

Featured Prolonged Guarantee Corporations

We reviewed the most effective prolonged auto guarantee suppliers, and listed here are our prime picks. 

Endurance: Finest Total

Endurance earned the best rating of any supplier in our most up-to-date prolonged automotive guarantee examine, together with the award for Finest Total. Not like most different prolonged protection corporations, Endurance is a direct supplier, so it providers its personal contracts. The result’s an easier and sometimes extra accountable claims expertise.

Hold studying: Endurance automotive guarantee assessment

ForeverCar: Most Reasonably priced

Automobile house owners on the lookout for a automobile safety plan on a funds will wish to take a look at ForeverCar. The corporate gained the award for Most Reasonably priced in our current examine as a result of it provides a few of the lowest costs available on the market. Our workforce discovered that decrease prices don’t come on the expense of plan choices or buyer assist, as ForeverCar scored properly in each classes.

Hold studying: ForeverCar guarantee assessment

American Auto Protect: FAQ

Under are some often requested questions on American Auto Protect.

Why does CarShield have so many complaints?

Many complaints in opposition to CarShield need to do with variations between what a buyer anticipated of their protection and what the administrator, American Auto Protect, offered. Usually, points stem from exclusions listed in high-quality print that policyholders didn’t see. Some prospects allege, nonetheless, that these exclusions weren’t given till their contract was signed.

Is CarShield a rip-off?

CarShield is a respectable supplier of car service contracts. Nevertheless, the corporate has a fame for denying claims that prospects felt fell underneath their prolonged protection agreements.

What does American Auto Protect do?

American Auto Protect providers automobile safety plans bought by CarShield, CARCHEX, and different corporations. It handles claims and different administrative duties associated to those warranties.

What’s the common month-to-month cost for CarShield?

We discovered that the common month-to-month cost for CarShield protection ranges from $99 to $129 monthly. Nevertheless, the price of protection varies relying on elements equivalent to your degree of protection, your automobile, and your location.

Our Methodology

Our professional assessment workforce takes satisfaction in offering correct and unbiased data. We recognized the next ranking classes primarily based on client survey knowledge and performed in depth analysis to formulate rankings of the most effective prolonged auto guarantee suppliers.

  • Business Standing: Our workforce considers Higher Enterprise Bureau (BBB) rankings, availability, and years in enterprise when giving this rating.
  • Protection: As a result of every client has distinctive wants, it’s important {that a} automotive guarantee firm provides an array of protection choices. We take into consideration the variety of plans supplied by every supplier, time period limits, exclusions, and extra advantages.
  • Affordability: A wide range of elements affect price, so it may be troublesome to check quotes between suppliers. Our workforce performs ongoing secret shopper analyses for various automobiles, mileages, guarantee plans, and areas to offer this ranking.
  • Transparency: We contemplate the transparency of every firm’s contracts and the provision of a money-back assure when figuring out this rating.
  • Buyer Service: Respected prolonged automotive guarantee corporations function with a sure diploma of look after shoppers. We take into consideration buyer evaluations, BBB complaints, and the responsiveness of the customer support workforce.

*Information correct at time of publication.