Our rich history and years of experience make us the right people to help when you've decided to shop for a vehicle service contract. Being your ally means our devotion to customer service and products you can trust.
Ally Premier Protection
Ally Premier Protection
With 4 levels of coverage to choose from, the Ally Premier Protection suite of products ranges from covering just about everything on your vehicle to covering just the basics.
Your specific pricing varies depending on which plan and terms are right for your driving habits.
Ally Auto Care®
Covers common vehicle maintenance needs.
Protect yourself from rising vehicle maintenance costs by purchasing pre-paid coverage. Eligible services include engine oil changes (plus oil filter), chassis lubrications, tire rotations, and fluid top-offs performed at your selling dealership.
Get more peace-of-mind with:
No deductible or additional out-of-pocket costs
Protection available for standard and hybrid vehicles up to 20 years old
Coverage that’s transferable if you sell the vehicle
For more information about Ally Auto Care, call us at 1-800-631-5590.
Please note that electric vehicles are not eligible for this plan.
Guaranteed Asset Protection (GAP)
Protects you from the “gap” in the event of a vehicle total loss.
If your vehicle is totaled in an accident, your insurance may not cover the full amount you owe on it. Insurance usually pays the cash value at the time of loss, not the full amount of your outstanding debt. GAP covers the amount between the cash value and the outstanding balance.
Let’s say your vehicle is totaled in an accident. You still owe $25,000 on your loan, but your insurance only pays you the current value less your deductible, which comes to $20,000.
What you owe:
$25,000
Actual cash value of vehicle:
$21,000
Less your insurance deductible:
$1,000
Insurance company pays you:
$20,000
This leaves you with an outstanding debt of:
$5,000
This GAP payment example is for illustration purposes only. You can either ask your dealer, refer to your Ally GAP Addendum or look at your insurance policy for complete details of what will or won’t be covered in the event of a total loss. View our GAP brochure(PDF) to learn more about Ally GAP benefits and exclusions.
SmartLease® Protect
If you’re leasing a vehicle, you may owe lease-end fees for extra wear and mileage. SmartLease Protect helps to cover many of these fees so you have peace of mind during the extent of your lease. View our Smartlease Protect Brochure (PDF) to learn more.
There's no deductible
We’ll cover missing equipment and parts with a value of $150 or less per part, including navigation system DVDs, DVD player headphones and remote controls
We will waive excess mileage charges up to $400
If you drive an average of 25,000 miles or less a year, we’ll cover up to $7,500 of excess wear charges
If you drive an average of 25,000 miles or more a year, we’ll cover 50% of excess wear charges, up to $3,750
We’ll waive charges for single items of covered excess wear such as dings and dents that are less than $1,000 each
SmartLease Protect helps cover the following:
Exterior surface damage
Interior and upholstery
Tires and wheels
Bumpers
Glass and light lenses
Missing equipment and broken parts (including items such as navigation system, DVDs, DVD player headphones and remote control)
Other Protection Products
Ask your dealer about these other products
Tire & Wheel Protect
The road can sometimes present unavoidable hazards. Protect yourself from the costs incurred by damage from these road hazards.
Dent Protect
Dent Protect covers the cost of dent repairs for your vehicle’s body panels as long as there’s no paint damage.
Windshield Protect
Covers repairs for small cracks, stars or chips in your front windshield.
Key Protect
Replaces vehicle keys and key fobs that have been lost, stolen or destroyed.
Theft Protect
This provides theft deterrents and coverage after recovery or total loss if stolen.
Multi-Protect
Allows you to create a customized bundle of Protect products – including Tire & Wheel, Dent, Windshield and/or Key – to meet your specific needs.
Appearance Protect
Provides sustainable protection for fabric, leather and paint.
How to Buy
How to Buy
When you're ready:
Get pricing details from your dealer based on the make, model and mileage of your vehicle.
Include a vehicle service contract on your finance agreement or purchase it separately.
Drive knowing you’re covered and protected from most unexpected costly expenses.
When you buy a vehicle service contract, you transfer the risk of future repair costs to a company, trusting them to pay for covered repairs. You should be sure the company backing your contract will cover claims when you need them.
After the New Vehicle Limited Warranty expires, the Powertrain Limited Warranty will protect only the powertrain components of your vehicle, not necessarily parts like cooling system components, steering components, electrical or suspension components.
A vehicle service contract offers more comprehensive coverage and can decrease your financial exposure to these repair costs.
The term begins at the time you purchase the contract and at the current odometer reading at the time of purchase. For example, a 24,000-mile/24-month contract purchased for a vehicle with 40,000 miles will end when the odometer reaches 64,000 miles or 2 years after the contract began, whichever comes first.
If you purchase the Powertrain Wrap coverage, the term begins at the vehicle’s original in-service date and 0 miles. It ends when you reach your term or mileage limit, whichever comes first.
Yes, through our affiliation with a company called Service Payment Plan. Service Payment Plan offers an interest-free 12- 18- or 24-month payment plan available through participating dealers.
We offer $0, $100, and $200 deductible options, plus a $100 Disappearing Deductible feature. If you select the $100 Disappearing Deductible option, your deductible will be waived if you return to the dealer where you purchased your Ally Premier Protection contract for covered repairs. If you choose not to return to the dealer where you purchased your Ally Premier Protection contract, the $100 deductible will apply. We also offer a $500 deductible on select luxury vehicles. Availability depends on your dealership, vehicle, and contract.
It covers most cars, light-duty trucks, SUVs and crossovers. Your vehicle’s age and mileage help determine the products you may be eligible for. Talk with your dealer for options based on your specific vehicle.
To cancel your vehicle service contract, call us at 1-800-631-5590. If you cancel within 60 days and haven't filed any claims, you can receive a full refund. If you've filed any claims or if it's after the 60 days, your refund will be prorated, less a $50 administration fee if applicable. The proration will be based on the lesser of days or miles of coverage remaining.
Paid claims prior to cancellation will be deducted from refunds where applicable or allowed by state regulation or law. Please refer to the cancellation terms of your Ally Premier Protection contract.
Vehicle service contracts are a cost-effective answer for mechanical breakdown coverage and other services after the expiration of the manufacturer's warranty.
A vehicle service contract will pay the cost of covered vehicle repairs and some offer additional benefits such as towing, roadside assistance, rental car and trip interruption.
Customers and dealers also often refer to vehicle service contracts as "mechanical service agreements," "extended service contracts" and "extended warranties."
If you plan to keep your vehicle beyond the term of the New Vehicle Limited Warranty, a vehicle service contract could help you avoid unexpected and potentially costly repair bills in the event of a breakdown.
In most cases, yes. Your dealer can help you with adding your vehicle service contract into your monthly vehicle payment as well as any state-specific regulations.