Ally Extended Warranty Reviews

• Ally Financial, a reputable company that began business in the auto finance industry in 1919, offers customers four extended auto warranty options.
• Ally extended warranties are only available through participating dealerships, and Ally car warranty reviews are mostly negative.
• While Ally may offer competitive rates on warranties, we recommend you get quotes from several providers before making a purchase.

Our expert team continuously works to bring you the most in-depth and up-to-date information on extended warranties from various providers. In this article, we’ll give an analysis of Ally extended car warranties – including coverage options, quotes, the claims process, customer reviews, and ratings. In addition, we’ll compare Ally with some of the industry’s best extended car warranty companies, so you can decide on the right provider for your needs. After spending more than 1,475 total hours perfecting our research methodology, we’ve awarded Ally with a total of 4.1 out of 5.0 stars.

Ally Financial is a well-known and reputable company that began business in the auto finance industry in 1919. The company’s flexible payment plans and history of working in the auto sector are a plus, and they offer four extended warranty options to their customers. However, one drawback is that you’ll need to work through participating dealerships for assistance with quotes, claims, and service.

How We Rated Ally Extended Warranties

To give you the most up-to-date information, we update our review standards several times each year. Our warranty research evaluates providers in the following categories:

Industry Standing

Ally has been in the auto industry since 1919, and while it offers extended warranties in all 50 states, its auto warranty offerings are relatively new. Unfortunately, Ally is currently without a rating from the Better Business Bureau (BBB), as there is an ongoing review of its file and complaints. With no industry awards and a multitude of customer complaints, we give Ally 3.2 out of 5.0 stars for its industry standing.

Coverage

Ally offers consumers four vehicle protection plan levels, available maintenance coverage, a variety of ancillary coverages, and benefits such as roadside assistance, trip interruption, and rental reimbursement. For this, we’ve awarded it 4.5 out of 5.0 stars. Keep in mind that while all Ally Premier Protection plans are available for standard and hybrid vehicles up to 20 years old, mileage limits for each plan aren’t specified on its website.

Cost

We give Ally 4.5 out of 5.0 stars for cost. While Ally doesn’t offer pricing estimates on their website, they do provide information on deductible options. It offers a $0, $100, $200, and a $100 disappearing deductible option, but note that availability and prices will depend on your dealership, vehicle, and choice of contract.

Transparency

A provider will rate highly in this category if it provides plan details and sample contracts online, in addition to offering a money-back guarantee. We were able to easily find a sample contract on Ally’s website, and it offers a 60-day money back guarantee if you haven’t yet filed a claim. These factors have influenced our 4.5 out of 5.0 star rating for Ally’s transparency.

Customer Service

We’ve awarded Ally 4.0 out of 5.0 stars for their customer service, as the Ally car warranty reviews found online aren’t as strong as its competitors. It’s had over 2,000 complaints through the BBB in the last three years, and holds a 1.1 out of a 5.0-star rating through TrustPilot. However, keep in mind that these reviews are for Ally Financial as a whole, not just their warranty offerings. In addition, Ally has over 11 million total customers, making these reviews an incredibly small subset of customers.

Is An Ally Extended Warranty Worth It?

While the company offers flexible payment plans, one big drawback is that quotes from Ally and customer service assistance can be more difficult to get compared to other providers. Since Ally works through participating dealers, customers are advised to contact these dealers for quotes, claims, and service. 

Ally has been in the auto industry for a long time. However, they are relatively new to the auto warranty sphere. Our team believes that there may be better options out there for customers looking for an extended car warranty. In order to find the best extended warranty to fit your needs, we recommend getting quotes from at least three reputable extended car warranty companies in the industry.

Ally Extended Warranty Quick Facts

• Founded: 1919
• Headquarters: Auburn Hills, Michigan
• Coverage options: Four primary plans with various ancillary coverages
• Coverage terms: Available for vehicles up to 20 years old

Is An Ally Extended Warranty Legit? 

Yes, Ally is a legit company. Ally was established in 1919 as a division of General Motors to help dealers finance new car inventories. It has a full suite of digital financial services, including banking, home, real estate, auto, and trading. Today, the company is one of the largest auto finance operations in the United States.

Unfortunately, Ally isn’t known for its high customer service ratings. While it doesn’t have a current rating with the BBB, it has 1.0 out of 5.0 stars for customer reviews. Reviews aren’t much higher on TrustPilot, with a rating of 1.1 out of 5.0 stars. Customer reviews on both pages are for Ally Financial as a whole, not just their extended warranty services.

Ally Extended Warranty Positive Reviews

Unfortunately, our team found no positive reviews for Ally in regards to their warranty offerings. However, there are positive reviews about their banking services, such as:

“Ally always has the best rates. Super simple transactions and no service charges. Awesome banking!”

– Hannah via TrustPilot

Ally Extended Warranty Complaints 

Most complaints against Ally are directed toward their banking and auto loan services, but we were able to find some reviews that directly address their warranty offerings:

“I purchased an Ally Auto Major Guard protection plan in 2017 when I purchased a new GMC Acadia. One month before the contract expired, I took the vehicle to the dealership with a transmission problem. The dealership could not identify the problem but it got worse over the next month. I scheduled a follow-up visit to the dealership and now Ally Auto is telling me that the company will not cover the repair. The lesson I have learned is NEVER, NEVER purchase a protection plan from Ally Auto!!”

– Douglas via TrustPilot

Ally’s Premier Protection suite offers consumers four levels of extended warranty coverage. Ally also offers Ally Auto Care^® for your maintenance needs, as well as guaranteed asset protection (GAP) coverage, SmartLease^® Protect, and various ancillary coverages. Vehicle service contracts are available for standard and hybrid vehicles up to 20 years old. However, you’ll need to get more details from a dealer regarding mileage limits.

In their contracts, Ally specifies that covered repairs and services may be performed at a licensed repair facility of your choice. However, the company strongly recommends that you return to the repair shop at your selling dealership for vehicle service.

Ally Extended Warranty Plans

Ally’s available Premier Protection coverage plans are called Major Guard^®, Major Guard EV^®, Essential Guard^®, and Feature Guard^®. Major Guard comes close to a bumper-to-bumper or manufacturer’s warranty, while Essential Guard is a basic powertrain warranty. The Ally website has sample contracts and detailed descriptions of the vehicle repair coverage offered under each plan. Keep in mind that parts used for the covered repairs may be new, used, or remanufactured. All plans are transferable to a new owner within 30 days of the transfer of ownership for a $50 fee. 

Take a closer look at the components covered with Ally’s Premier Protection plans below:

*While Major Guard and Major Guard EV cover all component parts of the fuel delivery, electrical, steering, and climate control systems, Essential Guard only covers some of those system components.

Ally Auto Care

Ally Auto Care is a maintenance plan that allows customers to purchase prepaid coverage that protects them from the rising costs of vehicle maintenance. In addition to requiring no deductible, Auto Care maintenance plans are transferable to new owners if you decide to sell your covered vehicle. Available for gasoline, diesel, and hybrid vehicles up to 20 years old, Ally Auto Care plans cover the following maintenance services:

• Oil changes
• Filter replacements
• Tire rotations
• Fluid top-offs
• Chassis lubricant application

All services must be performed at the dealership you purchased your Auto Care Warranty from.

Ally Guaranteed Asset Protection

Ally’s GAP coverage helps to protect your vehicle in the event of a total loss. While your insurance may pay the cash value of your vehicle at the time of loss, it typically won’t cover the outstanding debt you owe. This is where GAP coverage comes in – you’ll have the amount between the cash value of your vehicle and the outstanding balance covered in the event that your vehicle is totaled.

Ally SmartLease Protect

Extra fees for wear and mileage on a vehicle can be an unpleasant surprise awaiting at the end of your lease. Ally SmartLease Protect will cover fees related to:

• Exterior surface damage
• Interior and upholstery
• Tires and wheels
• Bumpers
• Glass and light lenses
• Missing equipment and broken parts

There’s no deductible for this plan, and Ally will cover missing equipment and parts with a value of $150 or less per part. In addition, excess mileage charges up to $400 and dings and dents that are less than $1,000 each will be waived.

Ally Ancillary Coverages

Ally Ancillary coverages, also known as Everyday Protection Products, can provide you personalized extra coverages depending on what you need. Available protection includes:

• Tire and wheel protection
• Dent protection
• Theft protection (via etching or DNA marking)
• Appearance protection
• Windshield protection
• Key protection

You can also opt for a Multi Protection bundle, which includes your choice of tire and wheel, dent, windshield, and key protection.

Ally Extended Warranty Benefits

With the exception of rental car reimbursements, all four Ally extended warranties come with the following additional benefits:

• Roadside assistance: This includes flat tire changes, towing, battery jump, lock-out services, and fuel delivery throughout the U.S. and Canada.
• Trip interruption: If a covered breakdown occurs 100 miles away from home and your vehicle has to be kept overnight for repairs, Ally will reimburse you to at least partially cover travel and lodging expenses. This benefit is not available in Kansas.
• Rental reimbursement benefits: All Premier Protection plans offer rental car reimbursement benefits.

If the vehicle is under a factory warranty or powertrain warranty, all of the above perks will apply only for the amount not covered by the warranty.

What Does An Ally Extended Warranty Not Cover?

As is common practice in the industry, none of Ally’s Premier Protection plans offer coverage for rust damage or parts like bumpers, catalytic converters, wheels, lenses, lamp assemblies, charging units for electric/hybrid vehicles, and wear-and-tear items like brake pads. Damage due to misuse, abuse, negligence, natural calamities, improper maintenance, or accidents is also not covered.

In order to best understand what your chosen warranty covers, make sure you read the terms and conditions of your contract.

While the provider’s website doesn’t include pricing information, our industry research shows that the average total cost of an extended car warranty is about $2,862. To determine what you will pay for an extended warranty from Ally or any other provider, the best thing to do is call around or visit provider websites and get quotes customized to your specific vehicle. That way, you can also compare each company’s prices and get a feel for customer service.

How Much Does An Ally Extended Warranty Cost?

Extended car warranty costs depend on the plan you choose, your vehicle’s make, model, and age, and the dealership you purchase the plan from. You can expect the price of your Ally extended warranty to be similar to extended car warranty costs from major providers. In addition to your down payment (for some plans) and regular monthly payments, you can expect your deductible to be $0, $50, $100, or $200.

Since Ally is also an auto lender that works closely with dealerships during the sales process, the cost of the plan can be included in your auto loan if you purchase an Ally warranty from a dealer. However, the final price may be higher because you will likely end up paying interest on it.

Ally Extended Warranty Refund

If you cancel your extended warranty contract with Ally within 60 days of purchase, you will be eligible for a full refund as long as you have not made a claim. If you cancel after 60 days or have filed a claim, you will be refunded a prorated amount minus a $50 cancellation fee.

See the infographic below to learn more about our findings on initial extended warranty purchase prices from our 2022 consumer survey. This survey includes initial purchase prices for both third-party warranties and dealership warranties. 

In this article, we reviewed Ally’s Premier Protection levels of coverage, coverage details, cost, and customer service. Extended warranties aren’t Ally’s specialty or main focus, so you might not be able to get the expertise you’d expect from a dedicated extended warranty provider. While the company offers affordable prices, Ally auto warranties may not be the best choice for those looking for excellent customer service.

Our Recommendations For Extended Car Warranty Coverage

Ultimately, we recommend that you shop around and gather several free quotes from top auto warranty providers. An extended warranty can provide greater peace of mind by offsetting the inevitable repair costs that come with owning a vehicle. Two reliable companies that offer a range of coverage options for your car include Endurance and CarShield. Learn more about our recommended providers below:

Endurance: 4.6 Stars

When we compared Ally extended warranties with Endurance, we found buying a plan from Ally to be less convenient, as you’ll have to either contact a dealer or Ally directly for more information. In contrast, Endurance provides free, customized online quotes tailored to your vehicle, driving habits, and needs. Endurance earned our highest rating in our survey of the top extended warranty providers. We appreciate how Endurance and similar third-party providers focus on what they do best: working directly with consumers across every phase of the extended car warranty process.

CarShield: 4.5 Stars

CarShield has a 4.0-star rating on Trustpilot from over 35,000 customers, and it’s known for its extensive high-mileage coverage and low prices. Used cars can get coverage for up to 300,000 miles, and the company also covers high-tech and luxury vehicles. CarShield is the only extended warranty provider we have reviewed that offers warranty coverage for motorcycles and ATVs.

Below are some common frequently asked questions about Ally’s extended warranties:

*Data accurate at time of publication.