Two direct-administrator VSC providers compared on coverage, pricing, mileage limits, and what happens when you file a claim.
Get My Free Quotes →Protect My Car and Endurance are both direct-administrator vehicle service contract providers -- meaning both handle claims in-house without a broker. Here is how they compare on the details that matter.
Endurance offers more plan options, no mileage cap on most plans, broader state availability, and a higher BBB rating. Protect My Car's 125,000-mile limit is a significant restriction that immediately disqualifies it for many vehicle owners.
| Factor | Endurance | Protect My Car |
|---|---|---|
| Founded | 2006 | 2005 |
| Claims model | Direct administrator | Direct administrator |
| BBB Rating | A | B+ |
| State availability | 49 states (not MA) | Limited states |
| FTC actions | None | None noted |
| Factor | Endurance | Protect My Car |
|---|---|---|
| Plan tiers | 6 plans | 3 plans |
| Exclusionary option | Yes (Supreme) | Yes (Ambassador) |
| Maintenance coverage | Yes (Advantage plan) | Limited add-ons |
| Max mileage | No cap (most plans) | 125,000 miles |
| Luxury vehicle coverage | Yes (Supreme Highline) | Limited |
| Repair shop network | Any ASE-certified shop | Any ASE-certified shop |
Both require phone contact for exact quotes. Endurance averages approximately $156/month based on real quote data (Cars.com). Protect My Car is competitive for lower-mileage vehicles within their eligibility range but limited data is available for comparison.
See actual quotes for your vehicle alongside the top-rated VSC providers. Free, 30 seconds.
Get My Free Comparison →For most drivers, no. Endurance has more coverage options, no mileage cap, broader state coverage, and a higher BBB rating. Protect My Car may offer competitive pricing for lower-mileage vehicles within their coverage range.
Yes -- Protect My Car covers vehicles up to 125,000 miles only. Endurance has no mileage cap on most plans.
Yes, it is a legitimate provider. Its B+ BBB rating and mileage restrictions make it less competitive than Endurance and Complete Auto Protect for most drivers.