Ally Premier Protection®
With 3 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.
Find out if a vehicle service contract is the right decision for you.
Major Guard
7400+ Covered Components
This is the ultimate choice if you want to cover the really expensive things like high-tech and luxury components. |
Value Guard
2900+ Covered Components
For a robust level of protection while still keeping your budget in mind, choose Value Guard.
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Basic Guard
2000+ Covered Components
If you're budget conscious and want only the most essential coverage for your vehicle, consider Basic Guard.
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Your specific pricing varies depending on which plan and terms are right for your driving habits.
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.
Car Insurance Payout
$20,000
GAP Payout
$5,000
Here's an example to show you how it works:
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 |
In the example, the $5000 amount would be waived by your GAP Contract and you’d have no further obligation on the debt.
This GAP payment example is for illustration only.
SmartLease® Protect
If you're leasing a vehicle, you may owe lease-end fees for extra wear and mileage. SmartLease Protect covers these fees so you can rest easy during the extent of your lease.
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Learn more about SmartLease Protect
SmartLease Protect:
- There is no deductible
- We will cover missing equipment and broken parts with a value of less than $100 per part
- We will waive excess mileage charges up to $200
- We will waive charges for single items of covered excess wear such as dings and dents that are less than $1,000 each
- If you drive less than 25,000 miles per year, we will cover excess wear charges up to $5,000
- If you drive more than 25,000 miles per year, we will cover 50% of excess wear charges up to $2,500
SmartLease Protect covers the following areas of your vehicle:
- 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)
Theft Protect
This provides theft deterrents and coverage after recovery or total loss if stolen.
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.
Appearance Protect
DuPont's quality products provide sustainable protection for fabric, leather and paint.
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.
FAQs
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What is a vehicle service contract?
Vehicle service contracts are a cost-effective answer to the consumer need 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. Some also 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.”
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Why is the company offering the vehicle service contract important?
Regardless of the type of coverage you choose, the company behind the vehicle service contract is very important. 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.
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My manufacturer's New Vehicle Limited Warranty already covers my vehicle, so why should I purchase a vehicle service contract?
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.
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My Powertrain Limited Warranty already covers my vehicle for 100,000 miles, so why should I purchase a vehicle service contract?
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.
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When does my Ally Premier Protection begin and end?
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.
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Can I purchase a vehicle service contract on my used vehicle?
We offer vehicle service contracts for both new and used vehicles. Talk with your dealer for options based on your specific vehicle.
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What types of vehicles does Ally Premier Protection cover?
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.
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Is Ally Premier Protection available for leased vehicles?
Yes. We have a wide range of time and mileage offerings that are designed to match your driving patterns.
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How much does Ally Premier Protection cost?
The cost depends on the vehicle and the contract selected. Your dealer can provide you with pricing options.
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Can I finance Ally Premier Protection with the monthly payments on my vehicle?
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.
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Can I finance Ally Premier Protection outside my monthly vehicle payment?
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.
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What are the Ally Premier Protection deductible options?
We offer $50, $100 and $200 deductible options. The availability of these options depends on your dealership and the vehicle and contract you select.
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How do I purchase Ally Premier Protection?
You can purchase Ally Premier Protection by visiting a participating dealership.
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How do I cancel my Ally Premier Protection coverage?
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.
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