We make finding the right extended auto warranty plan easier than its ever been.

Vehicle Protection Plans

for your vehicle

You are legally required to have collision insurance. Yet, did you know that less than 10 percent of all collision insurance policyholders actually use their insurance plan?

A Vehicle Protection Plan (often incorrectly referred to as an “Extended Auto Warranty”) is the second part of the equation to having full protection on your vehicle.

The best coverage you can get! Platinum coverage is typically only available to newer cars with less than 75,000 miles on them at the time the policy is purchased. This type of policy is sometimes (and incorrectly) called “bumper to bumper” or “new car coverage,” due to the fact that it covers the vast majority of all components of the vehicle. The policy covers so many components, that on the policy itself it only lists what is NOT covered, as there are literally thousands of parts that are! Each of our administrators offer Platinum Plus coverage policies.


Platinum Exclusionary  |  Platinum Plus  |  Platinum Deluxe  |  Sample Royal policy

Second best level of coverage available!​ Gold coverage plans cover a vast majority of components on the vehicle. These policies are generally available on vehicles with less than 90,000 miles on them. Below is a list of some of the components that are covered under these plans (be advised, this is just a general list, please refer to your specific protection plan for what is actually covered)


Gold comprehensive  |  Gold Plus  |  Gold Deluxe  |  Sample Royal policy 

Covering all of the major components, and more!​ A powertrain enhanced policy covers all of the major components of the vehicle and a few other major components as well. While it doesn’t cover everything that a comprehensive or exclusionary policy gets, it still covers the vast majority of all of the “big ticket” items. The powertrain enhanced policies are generally available to all vehicles with less than 120,000 miles on them. Be advised, this is just a general list—please refer to your specific protection plan for what is actually covered


Sample carguard policy  |  Sample Royal Policy 

Our Powertain Plus coverage plan covers the parts at highest risk for breakdown, but like our Powertrain Enhanced plans, it covers more. In addition to covering the powertrain, it also covers important electrical items such as the alternator and starter, and covers your air conditioning unit. Seals and gaskets are also covered in connection with a covered repair.


Sample carguard policy


Covers the most important partsPowertrain policies are generally offered to cars that are nearing their 150,000 mile mark. They cover the most important components of the vehicle. Please note, this is just a general list—please refer to your specific protection plan for what is actually covered under that plan.


Sample carguard policy  |  Sample royal policy 

Covers typical maintenance on your vehicle​ ​Our prepaid maintenance plan addendum reimburses you for select routine maintenance on your vehicle.


Sample addendum

Transfer Case

Transfer case and all internally lubricated parts.


Transmission case and all internally lubricated parts; torque converter; flywheel/flex plate; vaccum modulator and transmission mounts; transmission cooler; and transmission oil pan.


Cylinder block and cylinder heads and all internally lubricated parts; turborcharger; supercharger; harmonic balancer and bolt; timing gear, chain and belt; timing cover; intake and exhaust manifolds; valve covers; oil pan; engine mounts; belt tensioners; cam gear bolt; head bolts.


Steering gear box/rack and all internally lubricated parts; power steering pump; pitman arm; idler arm; tie rod ends; drag line; steering column shaft and column couplings.

Fuel System

Fuel delivery pump; fuel injection pump; fuel injectors; fuel tank; metal fuel lines; fuel pressure regulator; fuel sending unit; fuel gauge; air control valve; electronic fuel injection computer/module and sensors.


Alternator/generator; ignition module; ignition switch; headlight switch; turn signal switch; horns; distributor (does not include cap and rotor); starter motor; starter solenoid; starter drive; winshield wiper motors; windshield wiper delay switch; windshield wiper linkage; windshield washer pump; power seat motor; power antenna motor; power window wiring harness; cruise control assembly; ignition lock cylinder; manually operated switcher; convertible top motor; and driver information gauges/indicators (excludes burned out light bulbs).


Water pump; radiator; cooling fan; cooling fan motor; fan clutch; and coolant recovery tent.

AC & Heating

Condenser; compressor; compressor clutch; evaporator; compressor pulley; accumulator; drier; expansion valve; idler pulley; temperature control programmer; heater core; blower motor; high/low cut off switch; and pressure cycling switch.


Upper and lower control arm shafts, bearings, and bushings; wheel bearings; spindles; ball joints; king pins and bushings; radius arm and bushings; stabilizer bar, arm, and bushings; wheel bearings; torsion bars; bulb assembly; springs and suspension level control compressor.

Drive Axles

Drive axle housing and all internally lubricated parts; 4×4 actuator; drive shafts; universal joints; constant velocity joints and locking hubs; center support/carrier bearings; differential cover; and electronic shift control unit.


Master cylinder; power brake cylinder; vacuum assist booster; calipers; wheel cylinders; compensating valve; ABS accumulator; pump motor reservoir and wheel speed sensors; hydraulic lines and fittings; and parking brake actuator.

Seals & Gaskets

Leaking seals and gaskets on any covered part listed above (note: minor loss of fluid or seepage is considered normal and is not considered a Mechanical Breakdown).