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why ally.

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

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.

Available Plans

Major Guard®

7500+ Covered Components

This is the ultimate choice in premium coverage, providing comprehensive coverage on thousands of components.

Value Guard®

2900+ Covered Components

For a robust level of protection while still keeping your budget in mind, choose Value Guard.

Basic Guard®

2000+ Covered Components

If you're budget conscious and want only the most essential coverage for your vehicle, consider Basic Guard.

Feature Guard

300+ Covered Components

If you’re looking for low cost coverage for your vehicle’s broad range factory-installed high-tech components, choose Feature Guard.

Major covered components for ally premier protection products
COVERED ITEMS MAJOR GUARD® VALUE GUARD® BASIC GUARD® FEATURE GUARD
Extra Perks included in major guard   included in value guard included in basic guard included in feature guard
High-Tech Components included in major guard not included in value guard not included in basic guard included in feature guard
Engine Components included in major guard included in value guard included in basic guard not included in feature guard
Transmission/Transaxle/Transfer Case Components included in major guard included in value guard included in basic guard not included in feature guard
Front/Rear/All-Wheel-Drive Components included in major guard included in value guard included in basic guard not included in feature guard
Fuel Delivery Components included in major guard included in value guard included in basic guard not included in feature guard
Climate Control Components included in major guard included in value guard not included in basic guard not included in feature guard
Suspension Components included in major guard included in value guard not included in basic guard
not included in feature guard
Electrical Components included in major guard included in value guard not included in basic guard
not included in feature guard
Steering Components included in major guard included in value guard not included in basic guard
not included in feature guard
Braking System Components included in major guard included in value guard not included in basic guard
not included in feature guard
Safety Components included in major guard not included in value guard not included in basic guard
not included in feature guard
Engine Cooling Components included in major guard not included in value guard not included in basic guard
not included in feature guard

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 helps cover the amount between the cash value and the outstanding balance.

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

GAP Payout $5000, Car Insurance payout $20000

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

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

We have answers. 

Still have questions? Visit our Help Center.