Concord Auto Protect is a Pennsylvania-based vehicle service protection company that’s been around for 10 years. The company offers transferable warranties as part of three package options — all of which include 24/7 roadside assistance. Concord’s warranties are priced lower than competitors, and you’ll benefit from the company’s instant payments to repair shops, which can get you back on the road faster.
Concord Auto Protect Extended Warranty Pros and Cons
| Pros | Cons |
| 24/7 roadside assistance on all plans | Common complaints include denied claims and issues with cancellation |
| Transferable warranties | No online quotes or sales option |
| Instant payment to repair shops | Extensive exclusions and additional charges |
| Lower pricing than competitors |
Is Concord Auto Protect Legit?
Concord offers several positive features if you’re looking for additional protection for your vehicle. While the company is only 10 years old, it stands out because 24/7 roadside assistance is included in all plans. This can be a lifesaver when dealing with lockouts, dead batteries, and other roadside inconveniences and emergencies.
Concord has a moderately positive online presence (3.98 stars from the Better Business Bureau and 2.6 from Trustpilot users). However, it appears to have issues with refunds, claims and customer service based on several reviews. Concord Auto Protect is legit, but it’s up to you to determine if its offerings match your needs.
What Does Concord Auto Protect Cover?
Concord’s coverages come in three different tiers that vary in price and the vehicle systems and parts they cover. With only three options to choose from and no add-ons like you might find with other providers, Concord’s coverage plans are straightforward and easy to understand.
Notably, Concord refers to its offerings as Vehicle Service Plans rather than extended warranties. While this might seem like a matter of semantics, Concord’s website states its service plans are intended to “pick up where manufacturer’s warranties run out.” Its plans include different levels of coverage to meet these needs.
Here are the items covered in each of Concord’s tiers:
Powertrain
The Powertrain plan covers the following vehicle components:
- Engine
- Transmission
- Drive axle(s)
- Cooling
- Brakes
- Trip interruption
- Dead batteries
- Situations when you run out of gas on the road
- Parts and labor needed for covered breakdowns
- Towing
- Locksmith
- Rental car coverage
- 24-hour roadside assistance
Advanced
Advanced-level coverage includes all of the components found on the Powertrain plan, plus the following:
- All-wheel drive/4×4
- Electrical
- Steering (manual or power)
Premium
Concord Auto Project’s most comprehensive plan — Premium — includes everything on the Advanced plan, plus:
- Heating
- Air conditioning
- Fuel system
- Antilock brakes (ABS)
- High-tech electronics
- Turbocharger or supercharger
- Rear suspension
- Front suspension
What does Concord Auto Protect not cover?
When entering into an auto protection plan, it’s important to understand what isn’t covered just as much as what is. While many of Concord’s exclusions are in line with industry standards, it excludes more items than some competitors and adds surcharges where other companies do not.
The list below summarizes major restrictions in Concord’s policies, but be sure to read through a sample contract for a complete list of excluded items.
- Any issue under manufacturer warranty or recall
- Issues due to collisions, theft, vandalism and/or acts of nature
- Improper use or installation of parts
- Breakdowns as a result of lack of recommended maintenance
- Exhaust and manual clutch systems
- Aftermarket additions such as lift kits/drop kits, GPS equipment and/or audio systems
- Electric/hybrid vehicles, vehicles used for ride-share, diesel vehicles, cars with four-wheel drive and/or vehicles with superchargers unless additional fees are paid
- Maintenance tune-up items
- Preexisting conditions
Concord Auto Protect Car Warranty Plans
Concord offers three plans with differing coverage to meet the needs of different consumers. Each of the three plans is available nationwide, and Concord manages its claims in-house. This provides an advantage over providers that require third-party approval before moving forward with claims.
Concord offers the following plans, the specific coverages of each are covered in the previous section:
- Powertrain: Entry-level coverage that includes most basic vehicle systems. This plan covers the basic components of your car’s engine and power systems but doesn’t cover electrical or system issues.
- Advanced: This mid-tier plan includes the Powertrain coverages plus coverage for specific vehicle types and systems. The Advanced plan extends policy benefits to include basic internal systems like the steering and electricity.
- Premium: Concord’s highest level of coverage and most expensive option, the Premium package provides the greatest peace of mind available from a Concord policy. It covers a full range of vehicle components, including your vehicle’s suspension and power steering capabilities.
Concord’s warranty plans are more limited than those offered by top competitors. Compare the best extended car warranty plans before committing to coverage.
Concord Auto Protect mileage limits
Concord likely imposes a maximum age or mileage limit for coverage. However, the provider’s mileage limits are not clear in its marketing materials or in a sample copy of its standard policy. Concord only provides quotes via its sales reps, so the company’s lack of transparency around these requirements results in a less convenient buying experience compared to other providers.
If you have an older high-mileage vehicle, consider one of the best used-car warranty companies.
Concord Auto Protect waiting period
As is the case with many auto protection plans or extended warranties, Concord imposes a waiting period between when you sign up for coverage and when the policy takes effect. This is in place to cover Concord, or any other provider, from preexisting conditions your vehicle may have. Concord’s waiting period is typical for the industry at 1,000 miles and 30 days. Both benchmarks must be met before coverage starts.
Because many auto protection companies now work exclusively online, a waiting period takes the place of a physical inspection. The theory is that if a vehicle can make it through the waiting period then it likely does not have existing issues.
Concord Auto Protect claims process
Concord’s claims process is simple and straightforward. If you have an issue with your vehicle, you’ll begin by taking it to any licensed repair shop. The repair professionals will take a look at your vehicle, diagnose the issue and submit the claim to Concord. As the consumer, you don’t have to play a role in the claims process beyond choosing your preferred shop.
If the claim is approved, Concord pays the shop instantly over the phone less your deductible. If your claim is denied, Concord will tell the repair shop, which will then discuss further options with you.
Concord Auto Protect customer satisfaction
Concord has mixed reviews from consumers on third-party sites like the Better Business Bureau and Trustpilot. While Concord is not accredited with the BBB, it does boast a score of 3.98 out of 5 stars based on customer reviews there. While this score is considered generally positive, it’s based on just 52 reviews — so as the company grows, it could change quickly. Trustpilot’s score isn’t as promising, coming in at a 2.6 based on almost 350 customer reviews.
The most common issues in these reviews include denial of claims and frustration surrounding the cancellation process. While many customers report a positive experience with customer service professionals during the claims payment process, others claimed that Concord used fine print to deny a claim they were led to believe would be covered during the sales process.
Concord Auto Protect customer service
Concord offers 24/7 customer support for roadside assistance and sales questions at its main phone line: 888-399-2811. You can also submit a question via the online form or send a message to info@concordautoprotect.com to receive assistance via email.
Concord Auto Protect Cost
Concord does not offer quotes online, so if you want to get the specific details for your vehicle, you’ll have to talk with a sales representative. When we requested a quote for a 2015 Toyota Camry with 75,000 miles on the odometer, we received a rate of about $50 per month for Advanced-level coverage. This amount is lower than many competitors, so if you’re looking for the best deal, Concord might be an ideal choice.
Concord Auto Protect Alternatives
Selecting the right coverage for your specific needs often requires a little research, and there are many options for coverage in today’s warranty market. The best car warranty companies offer more plan options and may be a better fit for your needs. Below, you will find a brief summary of Concord’s biggest competitors and a few details on who they might be best for.
- CarShield: CarShield is one of the most recognizable warranty providers in the nation. Expect to pay for the brand, though. CarShield offers five packages plus plans for motorcycles and ATVs and EVs, so you’ll have more options, but its rates are higher than Concord’s.
- Endurance: Endurance offers some of the most comprehensive coverage on the market, and you get what you pay for. If you want peace of mind when it comes to vehicle repair costs, Endurance is worth your consideration. Endurance features three plans and add-on coverage options to meet your needs.
- Carchex: Carchex has an A+ rating with the BBB and 20-plus years of experience in the warranty space. With five levels of coverage to choose from and the option to add on benefits, you can build a package that meets your needs.
Concord Auto Protect Extended Car Warranty FAQ
Is Concord Auto Protect a good warranty?
If you’re a cost-conscious driver and want the peace of mind that comes with a vehicle protection plan, Concord can offer a viable option. With 10 years of experience in the industry, Concord offers an established warranty solution.
How do I file a claim with Concord Auto Protect?
The licensed repair shop of your choice will file your claim with Concord. If approved, Concord will pay the shop immediately so that work on your vehicle can begin as soon as possible.
Are extended warranties ever worth it?
Extended warranties can be beneficial in many instances. The benefit of an extended warranty depends on the cost of potential repairs without coverage, how you value peace of mind and your personal financial situation. If you’re spending a large percentage of your household emergency fund to buy a car and need extra assurance against repair bills, an extended warranty could be a low-cost way to protect your purchase.
Warranty Company Reviews:
- Endurance Extended Car Warranty Review
- CarShield Warranty Review
- Carchex Extended Warranty Review
- Concord Auto Protect Extended Warranty Review
- Protect My Car Warranty Review
- Royal Administration Warranty Review
- Autopom Warranty Review
- Toco Warranty Review
- Carshield Vs Carchex
