Ally Financial offers a range of products, including the extended warranty Ally Premier Protection. But how does it compare to contracts from the top warranty providers out there today? We’ll review what the warranty program covers and what customers think to find out.

Our team of experts has reviewed a number of the best extended warranty companies to help drivers make sense of the market. There are many options, so it’s important to compare multiple free quotes to find the best rate. You can get started by contacting a few of our top choices.

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In This Review:

    About Ally Premier Protection

    Ally began as the General Motors Acceptance Corporation (GMAC) in the 1920s with financial services in the auto industry. It added general banking products and services in 2008 and changed its name to Ally Financial in 2010.

    Today, the company partners with over 18,000 dealers to provide financing and vehicle protection products in addition to offering other services like banking and home loans. The company has a C rating from the Better Business Bureau (BBB) and a 1.4-star rating on Trustpilot.

    Ally Premier Protection is a vehicle service contract available from participating dealers in most states. The coverage plans are administered by Universal Warranty Corporation, which is a subsidiary of Ally. The plans are insured by MIC Property and Casualty Insurance Corporation.

    Ally Pros

    Ally Cons

    Valid at any licensed repair shop in the U.S. or Canada

    Only available from dealerships

    Wide range of coverage plans plus extras

    Doesn’t always pay repair shop directly

    Covers up to 200,000 miles

    Low ratings on the BBB and Trustpilot

    Month-to-month contracts available

    Ally Extended Car Warranty Coverage

    The Ally extended warranty gives drivers a choice of three main protection plans: Major Guard®, Value Guard®, and Basic Guard®. All Ally Premier Protection plans can cover vehicles up to 13 years old with up to 150,000 miles. Coverage is capped at 200,000 miles. Here’s an overview of the three plans:

    • Major Guard: This is an exclusionary policy and it covers over 7,500 components on the vehicle. Comparable to a bumper-to-bumper plan, it covers all major systems including the powertrain, electrical, high-tech components, the suspension, and air conditioning.
    • Value Guard: This option is better for drivers with older vehicles who still want comprehensive coverage. It covers nine systems including the powertrain, fuel delivery, suspension, and braking system.
    • Basic Guard: This plan covers the powertrain (engine, transmission, and drive axle) plus fuel delivery.

    Ally also offers other protection services including prepaid maintenance, guaranteed asset protection, and cosmetic protection plans.

    Ally Flex Coverage

    Ally Flex plans are month-to-month extended warranty contracts. These plans are available for vehicles from 2015 or later with up to 75,000 miles. Coverage starts at $32 per month, and drivers have three options:

    • Ultra: This plan is comparable to Major Guard and is an exclusionary contract. It covers any component besides excluded items.
    • Core: This mid-tier plan covers the engine, transmission, drive axle, fuel delivery, brakes, electrical, and air conditioning.
    • Tech: This option covers high-tech components only. It could be a good plan to have alongside a factory powertrain warranty.

    Additional Benefits

    Ally Premier Protection plans come with the following benefits:

    • Roadside assistance: Covers towing, jump-starts, spare tire installation, fuel delivery, and locksmith services (locksmiths not covered in Kansas)
    • Rental car coverage: Reimburses up to $40 per day ($240 maximum) in the case of a covered repair (not available with Basic Guard)
    • Trip interruption: Reimburses up to $150 per day ($750 maximum) if you experience a breakdown more than 100 miles from home

    Exclusions

    Ally Premier Protection covers mechanical breakdowns and failures. It doesn’t cover normal wear and tear, and it doesn’t replace wear items like brake pads. It also doesn’t cover scheduled maintenance.

    Ally’s extended warranty doesn’t cover any of the following:

    • Damage from misuse or lack of maintenance
    • Unauthorized repairs
    • Damage from the environment or from accidents
    • Modifications

    Cost Of Ally Premier Protection Plans

    What you pay for an extended warranty depends on your car. Different makes and models are prone to higher or lower repair costs, and higher mileage also means higher repair costs. For example, the same Value Guard plan would cost more for a BMW with 100,000 miles than a Toyota with 30,000 miles.

    Ally extended warranty plans come with deductible options of $0, $50, $100, and $200. The company allows drivers to finance the cost of a plan along with a vehicle loan in one monthly payment.

    How Ally Premier Protection Works

    There are two ways you can get a quote for an Ally Premier Protection plan. You can either call the company directly, or you can visit a participating dealership. The website has a dealer locator tool, but not every state has a participating dealership.

    If you have a breakdown, call roadside assistance to get a tow and protect the vehicle from additional damage. You can go to any licensed repair shop in the U.S. or Canada for coverage. When you get there, you need to call the contract administrator at 800-631-5590 to authorize a repair. Ally will either reimburse you after you pay for the repair or pay the shop directly. According to one Major Guard brochure, Ally approves 99.7 percent of all claims.

    You can transfer an Ally extended warranty for $50. In some situations, secondary buyers appreciate an existing extended warranty, which can add value to your car. If you decide you don’t want the contract for whatever reason, you can cancel within 60 days for a full refund. After that, you’ll get a prorated refund.

    Ally Extended Warranty Reviews

    Ally has a C rating from the BBB. The company also has about three times as many complaints as reviews on the BBB website. Most of the reviews and complaints are about the company’s banking or auto financing services, so we’ll share a few examples that talk about customer service.

    “Customer service reps have been helpful anytime we’ve called with questions.”
    – Margo F., BBB

    “Terrible customer service. I called three times and went through the same ordeal; I asked a very simple question and the representative asks me multiple personal questions to verify my identity just to tell me, ‘I cannot tell you anything over the phone, its policy.’”
    – I., BBB

    “Their upper management is very rude, arrogant, very unprofessional, and unwilling to help a long-time customer with multiple accounts.”
    – Josefina, BBB

    Universal Warranty Company, which handles claims, isn’t rated by the BBB, but it does have one customer review with a rating of five stars:

    “First class organization. I had trouble with our car and the dealer did not contact them like they should have before making repairs. They still paid the claim in full.”
    – Dave R., BBB

    Bottom Line On Ally Premier Protection: 3.0 Stars

    Ally has extensive coverage offerings and standard prices. Since Ally is an established financial institution, we don’t doubt the company can handle claims obligations easily. However, the company doesn’t have a great customer service reputation, and you have to purchase an Ally Premier Protection plan through a dealership.

    Reputation

    4.0

    Coverage

    4.0

    Price

    3.0

    Customer Experience

    2.0

    Overall Rating

    3.0

    Top Recommendations For Extended Car Warranties

    If you only get one extended warranty quote, you won’t really know if it’s the best option out there. To find the coverage at prices that work for you, get multiple quotes from top providers.

    Endurance: Best Coverage

    Endurance has been around for 15 years and specializes in extended warranties. The company has a reputation for customer service and a 4.3-star rating from Trustpilot. It’s a direct warranty provider, so you don’t have to work with a third party for claims.

    Endurance offers six plans that cover a wide range of options. Additionally, this company offers 1 year free of Elite Benefits. Elite Benefits include roadside assistance, total loss protection, collision discount, key fob replacements, tire repair/replacement, and the Endurance mobile app.

    To see how much you would pay for coverage, get a free quote for your vehicle.

    CARCHEX: Best For Used Cars

    CARCHEX has been covering vehicles for 22 years. Today, the company can provide warranty coverage for cars with up to 250,000 miles, which is a longer term than most other providers in the industry.

    CARCHEX is also known for its customer service. It has a 3.2-star rating on Trustpilot and an A+ rating with accreditation from the BBB. Industry leaders like Kelley Blue Book, Edmunds.com, and CARFAX endorse the company.

    Learn more about coverage by getting a free quote from CARCHEX.

    Frequently Asked Questions

    • Can I get a refund on my extended car warranty?

      Yes, most extended warranty companies offer refunds in the form of 30-day money-back guarantees. After that, you can still get a prorated refund on your extended car warranty, but some value will be subtracted to account for time, mileage, and any paid repairs.

    • Is it worth extending my car warranty?

      If you found value in having a factory warranty, it can definitely be worth it to extend your car warranty. The key is to get one from the right provider. An extended warranty can give you peace of mind that a range of car repairs are covered.

    • What should an extended warranty cost?

      We’ve compared extended warranty quotes from a number of the top providers. In our research, we found an extended warranty to cost anywhere from $350 to $650 per year of coverage. So, a three-year plan could cost between $1,050 and $1,950.