Ahead of the Unexpected™
70+ years of automotive experience used to develop products that protect you against unplanned expenses.
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Proguard Automotive vehicle protection products are sold exclusively through dealers we trust to recommend products best suited to your needs.

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New to Vehicle Protection Products? Follow the Guide Below...
Most new vehicles come with a limited factory warranty that covers repairs and routine maintenance for a specific amount of time or miles.
Once the warranty expires, you are responsible for any repairs that are needed and some of the components in today’s vehicles can cost thousands of dollars to replace.
Don’t risk taking that hit to your budget when you can purchase a vehicle protection plan at the same time you are buying or leasing your vehicle.
A VPP (or vehicle service contract) is an optional contract offered through a third party that covers the cost of components listed in the plan throughout the period of the contract if you have a mechanical breakdown.
Once the warranty expires, you are responsible for any repairs that are needed and some of the components in today’s vehicles can cost thousands of dollars to replace.
Don’t risk taking that hit to your budget when you can purchase a vehicle protection plan at the same time you are buying or leasing your vehicle.
A VPP (or vehicle service contract) is an optional contract offered through a third party that covers the cost of components listed in the plan throughout the period of the contract if you have a mechanical breakdown.
- Plan costs can be built into vehicle financing
- Pays 100% of covered parts and labor after deductible
- Repair coverage available wherever you are
- Allows you to transfer your contract, adding to your car’s resale value
You can buy an extended car warranty directly from your automaker, which will carry on what the original manufacturer’s warranty started. Continuing coverage this way can often be expensive or limiting, with some automakers limiting the purchase of extended coverage to when the original factory coverage is active. If you wait too long or have purchased a vehicle past factory coverage, you cannot get coverage from the manufacturer which leads many people to turn to third-party companies.
Third-party providers, which technically offer vehicle protection plans, are incentivized to offer better prices, coverage options, and additional perks like roadside assistance and towing services than car manufacturers. Plus, you aren’t tied to dealerships when you need a repair, as providers like Proguard allow work to be carried out by any certified mechanic or any repair facility you choose including the dealership.
If a third-party provider sounds good to you, the next decision is whether to buy directly or from a dealer.
Third-party providers, which technically offer vehicle protection plans, are incentivized to offer better prices, coverage options, and additional perks like roadside assistance and towing services than car manufacturers. Plus, you aren’t tied to dealerships when you need a repair, as providers like Proguard allow work to be carried out by any certified mechanic or any repair facility you choose including the dealership.
If a third-party provider sounds good to you, the next decision is whether to buy directly or from a dealer.
Unfortunately, there are many companies out there that are in it for the quick buck and not there to take care of customers.
Proguard is a fully insured company that sells our products exclusively through dealers who can recommend the product that best suits your needs. Depending on the condition of the vehicle, how long you intend to keep it, the make and model, they’ll walk you through the financing options and answer any questions you might have.
We feel the expertise the dealer offers buyers the best fit for each customer and trust them to do right by you. In return, we protect their reputation by paying claims promptly and keeping their customers happy.
Proguard is a fully insured company that sells our products exclusively through dealers who can recommend the product that best suits your needs. Depending on the condition of the vehicle, how long you intend to keep it, the make and model, they’ll walk you through the financing options and answer any questions you might have.
We feel the expertise the dealer offers buyers the best fit for each customer and trust them to do right by you. In return, we protect their reputation by paying claims promptly and keeping their customers happy.
Coverages range from the minimum (powertrain) to the maximum (bumper-to-bumper). With a powertrain plan you are just covering your vehicle’s most essential parts including your engine, transmission, and drive axle. Bumper-to-bumper plans protect most components of your vehicle from end to end and are often exclusionary, meaning that instead of listing every part that’s covered, your contract will only list the components that aren’t covered.
If you’re like most car buyers, trying to understand what is covered and whether it’s expensive to replace or not is not easy.
If you’re like most car buyers, trying to understand what is covered and whether it’s expensive to replace or not is not easy.
Vehicle protection plans usually cover both the cost of parts and labor. Depending on the plan, coverage may also include additional perks such as:
- 24-hour roadside assistance: This service typically includes fuel deliveries, lockout assistance, battery jump-starts, and winching.
- Towing services: If your vehicle breaks down, the provider will pay for it to be towed to the nearest dealership or authorized repair facility.
- Rental car/rideshare reimbursement: When your vehicle is in the shop for a covered repair, a provider may offer reimbursement for alternative transportation, like a rental car.
- Trip interruption reimbursement: If a mechanical breakdown occurs while you’re far from home and you must stay overnight while repairs are made, this benefit will help cover food and lodging up to a certain dollar amount.
Even the most extensive vehicle service contracts have a few exclusions. Most plans won’t cover:
- Tires, wheels, and rims
- Paint, glass, or upholstery
- Routine maintenance services (e.g., oil changes)
- Wear-and-tear parts like brake pads and wiper blades
- Cosmetic parts and accessories
- Pre-existing conditions/issues
- Any repair done without prior authorization from the contract administrator
- The bumpers themselves
- Damage resulting from accidents, collisions, abuse, or misuse
- Damage resulting from environmental events like floods or acid rain
You don’t need to recognize all the components that make up your vehicle, but you do need to understand the level of risk you want to undertake if you have mechanical issues. Remember that a vehicle is made up of many parts that have get used daily and no matter how well you maintain them, will eventually need to be repaired or replaced.