Does Your Extended Warranty Cover Oil Changes?


In short, yes. If you have a policy from Protect My Car, your oil change will be covered. And we’re not alone.  It’s a bit perplexing to us to see results like this from Edmunds:

Again, this underscores the need to do your own research and not just blindly trust what you read on the internet. Or what you read here. Double-check what you read! It will save you a bunch of frustration. Because a simple visit to our website shows you that:

Oil changes are covered on several of our service plans. Just another reason to do your research.

That aside, let’s talk about oil changes. You need them, your car needs them, your mechanic wants you to get them, and if you have an Ambassador plan from Protect My Car, we cover them.

Your engine relies on oil to lubricate itself and keep running swimmingly. Changing your oil regularly is one of the most important things you can do to take care of your car, and if your extended warranty is paying for it, you have no reason not to do it.

Seriously, take our money and change your oil! It’ll save you so much hassle down the road.

With that being said, let’s take a look at some of the other extended warranty companies out there to see if they cover oil changes, and with what plan.

Protect My Car

Direct Contract Provider: Yes

Plans That Cover Oil Changes: Ambassador Platinum, Ambassador Elite, Ambassador Premium, Ambassador Plus

Notes: All of our Ambassador plans cover your car for both oil changes and tire rotations. Get that basic maintenance done, folks.

Endurance Warranty

Direct Contract Provider: Yes

Plans That Cover Oil Changes: None, including Endurance’s Elite Membership Club

Notes: Endurance offers perks like free tire rotations, but none of its plans include free oil changes so if you’re looking to save a bit of money, you’re out of luck.


Direct Contract Provider: No

Plans That Cover Oil Changes: None, including premium coverage

Notes: Carshield doesn’t sell its own plans as a non-direct provider who sells policies from American Auto Shield. American Auto Shield specifically excludes oil changes in its policy.


Direct Contract Provider: No

Plans That Cover Oil Changes: None, including premium options

Notes: Carchex doesn’t sell its own policies, as a non-direct provider. It sells policies from American Auto Shield, Allegiance, and Royal Administration services. American Auto Shield specifically excludes oil changes in its policy.

What Is A Direct Warranty Provider?

Now, if you’re also considering getting a vehicle service contract you should know what a direct provider is. It’s an important distinction that is worth talking about.

A direct warranty provider is a warranty company that administrates and services its own claims, legally speaking. What that means, is when a direct warranty provider sells you an extended warranty, they are responsible for paying your claims, as well as handling any customer service issues that arise.

Direct providers can offer lower prices for their plans and better customer service because everything is handled in house. 

Currently, only Protect My Car and Endurance are direct warranty providers.

Other extended warranty companies aren’t selling their own plans.  When you buy a policy with them, they then transfer the responsibility for your future claims to a 3rd party finance company. They get paid, and then that finance company that you didn’t choose becomes the legal entity responsible for paying your claims.

This can be a huge hassle. Claims take longer to get paid, and we’ve seen prices that are more expensive.

That’s not to mention that the 3rd party finance company has no connection to you as a human being and has every financial incentive to pay as little as possible on your claim.

With over 13 years in this business, everyone will tell you that choosing a direct warranty provider is the best way to go. You’ll avoid getting a run around from claims agents, and instead will get help from a real person who wants to see you off smiling.

Want To Get The Best Extended Warranty And Free Oil Changes? Choose Protect My Car & Save

Protect My Car is far from “any” extended warranty company – and our coverage of oil changes is far from the only thing that sets us apart. Our lowest-cost plan, the Driveline covers more than the basic coverage you’ll get from other extended warranty companies, including your starter, and important bits like your air conditioning, windshield washer pump, and alternator.

Best of all, we’re able to do this at a lower price than our competitors because we’re a direct warranty provider.

As a proud direct warranty provider, you’ll never be mistreated when you join us. There’s a reason our average review score (TrustPilot, Consumer Affairs, BBB) is a 4.3/5.0, and I want you to find out why.

We know there are a number of other great extended warranty companies out there, we know we’re the best and we want to prove it to you.

That’s why, for a limited time, we’re giving away $50 dollars in rewards just for getting a quote with us. From there, you’ll be able to shop all of our different plans, online, with no phone call needed. You can even buy your Ambassador policy in less than 5 minutes and have your oil and ready to go.

Because we’re a direct warranty provider, you may find that our plans are significantly cheaper than what you’re paying right now.

So don’t wait, get your free quote today and claim your $50 dollars in free rewards. You’ll be one step closer to not having to shell your hard-earned dollars your oil changes.

About Protect My Car

Protect My Car is an extended auto warranty company. Our goal here at Protect My Car is to eliminate your worry of being financially responsible for an expensive mechanical breakdown. With our extended auto warranty, you don’t have to worry about being fully burdened with the cost of a covered repair.