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Why Ally?

Our rich history and years of experience make us the right people to help. Being your ally means our devotion to customer service and products you can trust.

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Ally Premier Protection

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®

Our most comprehensive coverage to power your drive.

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Major Guard EV®

Ultimate protection to power your EV. 

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Essential Guard®

Fundamental coverage for a comfortable drive.

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Feature Guard®

Intelligent coverage for your tech and safety items.

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Your specific pricing varies depending on which plan and terms are right for your driving habits.

In Florida, the provider is MIC Property and Casualty Insurance Corporation, FL Lic. #9299 or Motors Insurance Corporation, FL Lic. #1495, 500 Woodward Avenue, 14th Floor, Detroit, MI 48226. For states other than Florida, the provider is Universal Warranty Corporation, 500 Woodward Avenue, 14th Floor, Detroit, MI 48226 or call  1‑800‑631‑5590 .

Ally Auto Care®

Covers common vehicle maintenance needs.

Help protect yourself from rising vehicle maintenance costs by purchasing maintenance coverage. Ally Auto Care® and Ally Auto Care Plus™ help you get timely maintenance on your vehicle. Equipped with no deductibles, you get peace of mind.

Ally Auto Care®

Ally Auto Care provides an essential level of maintenance on gasoline, diesel, and hybrid vehicles. Coverage is available for vehicles up to 20 years old.

  • Tire rotations

  • Fluid top-offs

  • Chassis lubrications

  • Engine oil and filter changes

  • Number of Services and Time/Mileage programs available

View our Number of Services (PDF) and Time and Mileage (PDF) brochures for more info on flexible vehicle coverage.

Ally Auto Care Plus

Ally Auto Care Plus offers everything in Ally Auto Care plus more next-level maintenance services. Coverage is available for vehicles up to 12 years old, including EVs.

  • Cabin air filters

  • Engine air filters

  • Wiper blades

  • Hoses or belts

  • Transmission/Drive Unit Service

  • Engine cooling service

  • Battery cooling service

  • Brake pads and rotors

View our Ally Auto Care Plus Brochure (PDF) and Sample Customer Agreement (PDF) for full coverage details.

Compare coverage

For complete product details and more information about Ally Auto Care, ask your dealer representative.

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.

Learn How to Make a GAP Claim

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:


  • Actual cash value of vehicle:


  • Less your insurance deductible:


  • Insurance company pays you:


  • This leaves you with an outstanding debt of:


A jeep filled in 75% purple to represent your car insurance payout, and 25% pink to represent the added GAP payout.

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'll 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)

Everyday Protection Products

Ask your dealer about the availability of these other products.

Repairs or replaces tires and wheels damaged by a covered road hazard. All coverage levels offer terms ranging from 1-6 years and includes 24/7/365 roadside assistance.

Utilizes an innovative paintless dent repair (PDR) process to remove minor dings and dents on your vehicle’s vertical surfaces with no sanding, painting, or body fillers. Coverage is available in convenient 1-6 year terms.

Helps safeguard your vehicle by permanently etching a unique 6-digit number on six glass surfaces along with warning decals.

Uses a DNA marking system by placing permanent tamper-resistant labels on six areas of your vehicle which leave a traceable mark that can only be detected by UV light if removed.

Helps protect your vehicle’s exterior finish from contaminants like acid rain, bird waste, and tree sap, which are not covered under your factory warranty. Interior fabric protection protects against accidental spills and stains. 

Utilizes a permanent process that extracts air from a crack, chip, or star with a curable resin that helps prevent spreading while restoring strength and visibility. Coverage is available in convenient 1-6 year terms.

Helps you obtain a replacement key fob in the event it's lost, damaged, or stolen. Plan terms range from 1-6 years and you’ll also enjoy 24/7/365 roadside assistance.

Multi Protection

Provides layered coverage bundles that can include all or some of the following: tire and wheel, dent, windshield, and key protection.

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

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