Premier Auto Protect Extended Warranty

Purchasing a vehicle is a significant investment, and protecting that investment is crucial for long-term financial security. While new cars often come with a manufacturer’s warranty, coverage typically expires after a few years or a certain number of miles. Once the factory warranty runs out, drivers are left vulnerable to expensive repair costs.

This is where Premier Auto Protect Extended Warranty comes in. As a leading provider of vehicle service contracts, Premiere Auto Protect (PAP) offers extended warranty plans designed to cover costly repairs after the original warranty expires. In this detailed review, we’ll explore the company’s coverage options, benefits, pricing, customer reviews, and how it compares to competitors.

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What Is Premiere Auto Protect?

Premier Auto Protect is a provider of extended auto warranties, also known as vehicle service contracts. These contracts help cover the cost of major mechanical and electrical repairs once the manufacturer’s warranty expires.

Key Features of Premiere Auto Protect:

• Coverage for cars, trucks, SUVs, and high-mileage vehicles

• Multiple protection plans with varying levels of coverage

• 24/7 roadside assistance (included in most plans)

• Rental car reimbursement during repairs

• Trip interruption benefits (covering lodging and meals if a breakdown occurs far from home)

• Flexible payment options (monthly or full payment)

• Nationwide network of certified repair facilities

Premier Auto Protect works with a third-party administrator to process claims and manage repairs, ensuring customers have access to reliable service across the U.S.

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Premier Auto Protect Extended Warranty Coverage Plans

Premier Auto Protect offers several coverage tiers, allowing customers to choose a plan that best fits their budget and vehicle needs.

1. Exclusionary (Platinum) Coverage

• Most comprehensive plan available

• Covers almost all mechanical and electrical components except for a short list of exclusions

• Ideal for luxury vehicles or high-end models with expensive repair costs

2. Stated Component (Gold) Coverage

• Covers major systems like the engine, transmission, drivetrain, and electrical components

• Includes a clearly defined list of covered parts

• More affordable than exclusionary coverage

3. Powertrain (Silver) Coverage

• Focuses on the most critical components: engine, transmission, and drivetrain

• Best for budget-conscious drivers who want basic protection

4. Basic (Bronze) Coverage

• Minimal protection for essential components

• Suitable for older vehicles with lower repair costs

Each plan includes 24/7 roadside assistance, rental car reimbursement, and trip interruption benefits.

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What Does Premiere Auto Protect Cover?

Coverage varies by plan, but generally, PAP extended warranties include:

Mechanical Components:

• Engine

• Transmission

• Drive axle

• Turbocharger/supercharger

• Cooling system

• Fuel system

Electrical Components:

• Alternator

• Starter motor

• Power windows/locks

• Infotainment system

• Sensors and onboard computers

Additional Benefits:

• Roadside assistance (towing, battery jump-start, flat tire change, lockout service)

• Rental car reimbursement (up to a daily limit)

• Trip interruption coverage (lodging and meals if stranded)

What’s Not Covered?

Like all extended warranties, PAP has exclusions, such as:

• Regular maintenance (oil changes, brake pads, filters)

• Wear-and-tear items (tires, wiper blades, belts)

• Pre-existing conditions (issues present before coverage begins)

• Damage from accidents or negligence

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Premier Auto Protect Costs & Pricing

The cost of a Premiere Auto Protect extended warranty depends on several factors:

• Vehicle make, model, and age

• Mileage

• Coverage level selected

• Deductible choice

Average Pricing Estimates:

• Basic (Bronze) Plan: $1,500 – $2,500

• Powertrain (Silver) Plan: $2,000 – $3,500

• Stated Component (Gold) Plan: $2,500 – $4,500

• Exclusionary (Platinum) Plan: $3,000 – $6,000

Customers can choose a $0, $50, $100, or $200 deductible per repair visit. A higher deductible lowers the monthly premium but increases out-of-pocket costs during claims.

Payment Options:

• Full upfront payment (discounts may apply)

• Monthly installments (typically 12–36 months)

Premier Auto Protect does not require a credit check, making it accessible to most drivers.

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Premier Auto Protect Claims Process

Filing a claim with Premiere Auto Protect is straightforward:

1. Visit a certified repair facility (or any licensed mechanic).

2. Contact PAP’s claims department before repairs begin.

3. Get approval for covered repairs.

4. Pay the deductible (if applicable).

5. Repairs are completed, and PAP pays the shop directly.

The company promises quick claims processing, with most approvals happening within hours.

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Premier Auto Protect Customer Reviews & Reputation

Premier Auto Protect has mixed customer reviews, which is common in the extended warranty industry.

Positive Feedback:

• Quick claims approval for major repairs

• Helpful customer service

• Affordable payment plans

• Nationwide repair network

Negative Feedback:

• Denied claims for certain components (some customers report disputes over coverage)

• Slow response times during peak periods

• Limited coverage for high-mileage vehicles

Better Business Bureau (BBB) Rating:

Premier Auto Protect is not BBB-accredited, and there are some complaints regarding claim denials and customer service delays. However, many customers report positive experiences when dealing with major repairs.

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Premier Auto Protect vs. Competitors

How does PAP compare to other leading extended warranty providers?

Pros of Choosing Premier Auto Protect:

• Flexible coverage options

• No credit check required

• 24/7 roadside assistance included

Cons of Choosing Premier Auto Protect:

• Mixed customer reviews

• Not BBB-accredited

• Some exclusions may apply

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Is Premiere Auto Protect Worth It?

Best For:

• Drivers who want affordable extended warranty coverage

• Those seeking flexible payment plans

• People who prefer no credit check approvals

Not Ideal For:

• Luxury or exotic car owners (may need more comprehensive coverage)

• Very high-mileage vehicles (coverage may be limited)

• Drivers who prefer a BBB-accredited provider

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Final Verdict: Should You Buy Premier Auto Protect?

Premier Auto Protect offers solid extended warranty options with multiple coverage tiers, roadside assistance, and flexible payment plans. While it has some customer service complaints, many drivers find it a cost-effective way to avoid unexpected repair bills.

Alternatives to Consider:

• Endurance (best for comprehensive coverage)

• CarShield (best for affordability)

• Protect My Car (best for customer service)

Before purchasing, compare quotes, read the contract carefully, and check for any coverage limitations.

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Conclusion

An extended warranty from Premier Auto Protect can provide peace of mind by covering expensive repairs after the factory warranty expires. With multiple coverage levels, roadside assistance, and flexible payment options, it’s a viable choice for many drivers. However, due to mixed customer reviews, it’s essential to research thoroughly and compare alternatives before making a decision.

If you’re looking for budget-friendly protection without a credit check, Premier Auto Protect could be a good fit. But if you prioritize strong customer service and BBB accreditation, you may want to explore competitors like Endurance or CarShield.

Ultimately, the best extended warranty depends on your vehicle, budget, and coverage needs. Always read the fine print and choose a plan that aligns with your long-term driving plans.

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Frequently Asked Questions (FAQs)

1. Is Premier Auto Protect a legitimate company?
Yes, Premier Auto Protect is a legitimate extended warranty provider, though it has mixed customer reviews.

2. Does Premier Auto Protect cover engine failure?
Yes, engine failure is covered under most plans (except the basic Bronze plan).

3. Can I cancel my Premier Auto Protect warranty?
Yes, cancellations are allowed, and you may receive a pro-rated refund for unused coverage.

4. Does Premier Auto Protect cover used cars?
Yes, PAP covers used cars, but coverage options may vary based on mileage and condition.

5. How do I file a claim with Premier Auto Protect?
Contact their claims department before repairs, and they will guide you through the process.

By carefully evaluating your needs and comparing providers, you can make an informed decision about whether Premier Auto Protect is the right extended warranty for your vehicle.