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AA Auto Protection: Extended Warranty Review

The extended warranty company AA Auto Protection earns 2.9 out of 5.0 stars for constantly denying auto claims and showing poor customer service.

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04/18/2024 12:00 AM
Endurance
4.5
Reputation: 4.5/5.0
Coverage: 5.0/5.0
Price: 4.5/5.0
Customer Experience: 4.5/5.0
idée Endurance is our first choice for extended warranties
  • Best Plan Offerings
  • Mileage Covered: 200,000 miles on the odometer
  • Free Cancellation: Full refund within 30 days
  • Plan Options: 6 different plans to choose from
  • Longest Plan Term: Up to 8 years
  • Discounts: $300 same-day signup discount, $250 shopping voucher, and others
Plan coverage includes Endurance Elite perks™
Exclusionary plan One-year membership for free
Powertrain plan Tire repair and replacement
Maintenance coverage with Endurance Advantage Key fob replacement
Roadside assistance Total loss protection
Towing Collision discount
Rental car $250 rewards voucher
Trip interruption coverage Endurance Protect app

The Gist:

  • An extended car warranty can help pay for repairs after a mechanical breakdown after your vehicle’s factory warranty expires. 
  • Coverage options for an extended warranty range from basic powertrain plans to comprehensive bumper-to-bumper vehicle service contracts.
  • Take the time to research warranty companies to find the best value and coverage for your car.

Many drivers wonder how AA Auto Protection compares to the best extended car warranty companies on the market. While some people have positive experiences with the provider, it’s an unimpressive choice for most motorists.

We’ve broken down various extended car warranty options based on cost, customer service, coverage, and each company’s overall reputation. This article will show how AA Auto Protection ranks to help you decide whether it’s the best option for coverage for your vehicle.

AA Auto Protection Overview

AA Auto Protection
Rating

2.9

Our Take

Drivers should look elsewhere for an extended warranty provider with more transparency and a better reputation.

AA Auto Protection has been in business since 2002 as a broker for vehicle service contracts. The company is headquartered in Philadelphia, though its mailing address is located in Wilmington, Del. AA Auto Protection claims to offer extended car warranty plans in every state except California, where the company sells mechanical breakdown insurance instead.

The plans from AA Auto Protection are administered by one of five contract administrators. That means you’ll need to reach out to one of the following companies to file a claim:

  • DOWC® Administration Services
  • Matrix Warranty Solutions
  • NAE® NWAN (National Warranty Administration)
  • Royal Administration Services
  • United Car Care

Some car owners initially confuse AA Auto Protection with the American Automobile Associate (AAA), the organization that’s mostly known for offering roadside assistance to members. However, AA Auto Protection is not affiliated with AAA.

Pros Large number of coverage plans No waiting period for full coverage Available nationwide
Cons Poor customer service reviews Known to deny claims D- rating from the Better Business Bureau (BBB) Website is difficult to use

AA Auto Protection Extended Car Warranty Coverage

From bumper-to-bumper plans to powertrain warranties, AA Auto Protection has a wide range of coverage that can meet nearly any driver’s needs. That said, it’s difficult to find information about AA Auto Protection’s full range of plans due to the company’s confusing website. However, it claims to offer everything from premium stated component coverage to premium powertrain plus coverage. Buying an extended car warranty will give you financial protection in the event of costly vehicle repairs after the manufacturer’s original warranty has expired.

At this time, AA Auto Protection may not sell plans online. The BBB lists AAAutoWarranty.com as a related website but the domain is now defunct. The company’s main website, AAAutoProtection.com, simply lists the warranty administrators it works with. Alternatively, you might still encounter its plans from used car dealerships.

AA Auto Protection Plans

Below, we’ve listed the company’s main offerings:

AA Auto Protection Coverage PlanCoverage Details
Prime Direct WrapExclusionary coverage, similar to your vehicle’s original bumper-to-bumper warranty
Prime Direct VisionaryCovers the engine, cooling system, transmission, transfer case, differential, fuel system, air conditioning, electrical system, steering, suspension, brakes, turbocharger/supercharger, axle shafts, seals and gaskets, and some fluids and diagnostic fees
Prime Direct Vision SelectCovers the engine, cooling system, transmission, transfer case, differential, fuel system, air conditioning, electrical system, steering, suspension, brakes, and seals and gaskets
Prime Direct Vision Powertrain PlusCovers the engine, transmission, transfer case, differential, air conditioning, axle shafts, and seals and gaskets
Prime Direct Vision PowertrainCovers the engine, transmission, transfer case, differential, and seals and gaskets
Power ShieldCovers the engine, cooling system, transmission, differential, steering parts, and turbocharger/supercharger
Prime Direct Powertrain SapphireCovers the engine, cooling system, water pump, transmission, transfer case, fuel system, air conditioning, and electrical system
Prime Direct Powertrain EmeraldCovers the engine, water pump, transmission, transfer case, air conditioning, and electrical system
Prime Direct Powertrain RubyCovers the engine, water pump, transmission, and transfer case

AA Auto Protection Exclusions

Like other extended warranty providers, AA Auto Protection will not cover preexisting conditions, routine maintenance needs, or wear-and-tear components like brake pads. Extended car warranties are meant to cover the cost of vehicle repairs due to mechanical breakdowns caused by factory defects or poor workmanship. You’ll still need to pay for vehicle issues caused by collisions, environmental hazards, and instances of theft or vandalism.

Added Benefits From AA Auto Protection

Nearly all vehicle service contracts offered through AA Auto Protection come with the following perks:

  • Emergency roadside assistance
  • Towing coverage
  • Rental car reimbursement
  • Trip interruption benefits

Another significant benefit of AA Auto Protection is that its plan options come with no waiting period. Your coverage starts on the day you sign up, even though AA Auto Protection has a 30-day money-back guarantee.


AA Auto Protection Extended Warranty Cost

It’s difficult to find extended warranty cost details because there isn’t much pricing information on the AA Auto Protection website. However, this is common in the warranty industry. AA Auto does have an easy-to-use quote tool that can show you its estimated extended car warranty cost.

The average driver with an extended warranty spends between $1,600 and $3,200 for the full length of their coverage. If your AA Auto Protection plan quote is higher, consider other providers known for affordable rates, such as Carchex or Endurance.

According to its website, AA Auto Protection accepts all major credit cards and offers low down payments on its warranty plans. It also advertises “easy payment plans” for drivers who can’t cover the cost of a vehicle service contract upfront.

AA Auto Protection says it offers price-matching through its Best Price Guarantee, which means you could end up with lower monthly payments if you find a better price with another company. 

Factors That Affect Extended Car Warranty Costs

Extended auto warranty costs will vary based on a range of factors, including whether your coverage comes from the car manufacturer or a third-party warranty company. In addition, the following factors will have the biggest impact on the price you pay: 

  • Level of coverage
  • Length of your contract
  • Vehicle make, model, and age
  • Deductible amount

Note that your location generally won’t play a role in your cost of coverage from AA Auto Protection. That’s because vehicle service contracts cover damages caused by mechanical breakdowns, which can happen no matter where you are.


How Do AA Auto Protection Extended Warranties Work?

AA Auto Protection offers three ways to get a free quote: by calling the company directly, talking with an agent in an online chat session, or filling out an online form. Getting a quote from the online form can take more time, as you’ll have to wait for an agent to reach out.

To file a claim, you’ll need to contact your specific contract administrator. As an extended car warranty broker, AA Auto Protection assigns a third-party administrator to handle your mechanical breakdown coverage. The exact phone number to call should be listed in your vehicle service contract.

If you cancel your coverage, AA Auto Protection will issue a prorated refund, minus a $100 cancellation fee. Remember that you can receive full reimbursement during the 30-day money-back guarantee period.


AA Auto Protection Reviews

AA Auto Protection receives poor marks from drivers, as shown by its 1.4-star rating out of 5.0 on Trustpilot. The company also holds a D- rating from the BBB and has closed 9 complaints in the last three years.

The BBB alerted customers in 2020 the company tends to deny refunds if you cancel your coverage–an act common among the worst extended auto warranty companies. AA Auto Protection was also flagged for including false badges on its website that looked similar to those used by the BBB.

Positive AA Auto Protection Reviews

Many drivers mention that company representatives typically explain AA Auto Protection’s used car warranty options with professionalism and courtesy. Below is one such review:

“[T]he customer service is [A+]. Matt was very helpful when explaining things to me. [...] I had some questions [...] and every time I called, he was so nice [and] polite and didn't seem bothered [...] I love [...] [when the first person] you speak with on the phone is your contact person the entire time you have that warranty.”

- April S. via Trustpilot

Negative AA Auto Protection Reviews

Customer reviews from drivers who have filed claims skew negative. A significant number complain that AA Auto Protection’s administrators either denied coverage or handled their claims poorly.

“I recently had a[n] issue with my vehicle and AA Auto Protection claimed that [it] could not help in any way. I purchased a contract [for] roughly $3,700, and for [the company] to deny everything […] is very disappointing. I'm now stuck trying to figure out how to pay for the repairs.”

- Jermaine A. via BBB

“[AA Auto] kept me waiting for service for five hours and blocked my number for calling to get information. [...] I had to use another person to call [the company].”

- Elias M. via Trustpilot

AA Auto Protection’s unimpressive reviews and history of denying claims is concerning. Some drivers even call AA Auto Protection a scam.


AA Auto Protection: Our Take

AA Auto Protection is not a strong choice for extended car warranty coverage. While it offers many choices for coverage, the company has spotty customer service scores, a history of denying claims, and a bad BBB rating.

We strongly recommend reaching out to reputable extended car warranty companies to buy adequate vehicle protection.

Review CategoryRatings Score
Reputation2.8
Coverage3.5
Price3.2
Transparency2
Customer Experience2.2
Overall Star Rating2.9

Top Recommendations For Extended Car Warranties

If you’re looking to extend your vehicle’s factory warranty protection, many extended car warranty providers offer good prices for peace of mind. A vehicle service contract from the right company can give you reliable bumper-to-bumper or powertrain coverage. It’s smart to compare instant quotes from multiple companies to find the best value for a high-quality plan. Our recommended providers below offer full refunds within 30 days and allow you to take your car to any licensed repair shop for covered repairs.

Endurance
4.5
Reputation: 4.5/5.0
Coverage: 5.0/5.0
Price: 4.5/5.0
Customer Experience: 4.5/5.0
idée Endurance is our first choice for extended warranties
  • Best Plan Offerings
  • Mileage Covered: 200,000 miles on the odometer
  • Free Cancellation: Full refund within 30 days
  • Plan Options: 6 different plans to choose from
  • Longest Plan Term: Up to 8 years
  • Discounts: $300 same-day signup discount, $250 shopping voucher, and others
Plan coverage includes Endurance Elite perks™
Exclusionary plan One-year membership for free
Powertrain plan Tire repair and replacement
Maintenance coverage with Endurance Advantage Key fob replacement
Roadside assistance Total loss protection
Towing Collision discount
Rental car $250 rewards voucher
Trip interruption coverage Endurance Protect app

#1 Endurance: Best Plan Offerings

Endurance has been in business since 2006 and provides extended car warranties in every state but California. It offers six coverage levels to protect your car for up to 8 years/200,000 miles.

You can also enjoy Endurance Elite Benefits that come standard with every warranty contract for one year. These perks include total loss protection, tire repair and replacement, and a collision discount. In our review, Endurance was recognized for Best Plan Offerings and scored 4.5 out of 5.0 stars.

Read more: Endurance warranty review

#2 CarShield: Month-To-Month Contracts

CarShield is a popular name in the automotive warranty space because of its prices, which are typically quite affordable. While it doesn’t boast the highest customer satisfaction scores, CarShield still received 4.2 out of 5.0 stars from more than 48,200 reviews on Trustpilot.

The company offers six coverage levels for your vehicle, which can protect your car for up to 300,000 miles. You’ll also receive added benefits from CarShield, such as roadside assistance, towing services, and rental car reimbursement. Our review gave CarShield the award for best Month-to-Month Contracts and it earned 4.3 out of 5.0 stars.

Read more: CarShield review
Compare providers: CarShield vs. Endurance


AA Auto Protection: FAQ

Here are some frequently asked questions about AA Auto Protection extended warranties:

Is AA Auto Protection a good company?

We give AA Auto Protection 2.9 out of 5.0 stars after reviewing its service as a warranty company. This score is based on the provider’s poor customer service ratings and reviews on top of its record of denying claims.

What is a vehicle protection plan?

A vehicle protection plan pays for repairing your car when issues are caused by mechanical breakdowns. Extended vehicle protection plans can add peace of mind once your car’s factory warranty from the dealership expires.

What is the best car protection warranty?

The best car protection warranties come from Endurance, Carchex, Protect My Car, and CarShield. All of these companies offer exceptional extended warranty coverage at consistently reasonable rates.

What is a fair price for an extended car warranty?

Most drivers pay between $1,600 and $3,200 for an extended car warranty. If you’re being charged far more than this amount, it may be smart to consider another provider.

How We Rate Warranty Providers

Our review process aims to deliver consistent and unbiased assessments of extended auto warranty providers. While there are multiple qualities that make a warranty company successful, our review team focuses on those we believe are the most important for consumers:

  • Cost: Cost can be difficult to compare between providers because so many factors impact vehicle service contract pricing. To determine our cost score, we perform a secret shopper analysis for a variety of vehicles and plans and consider available deductibles.
  • Coverage: Our team of experts looks at the number of extended warranty plans available, as well as term limits, exclusions, and added benefits like roadside assistance. Ratings also take into account the availability of maintenance coverage.
  • Reputation: It’s important that an extended car warranty company is able to meet its claims obligations. Companies with a strong rating from the Better Business Bureau (BBB) score well in this category. Established providers with a long history of reliable service also receive positive marks.
  • Customer Experience: We listen to real customer sales calls and comb through reviews on sites like the BBB to learn about customer experiences. Warranty companies with a low volume of complaints score well in this area. We also consider the availability of mobile apps and chat features.

*Data accurate at time of publication

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