Concord Auto Protect Reviews

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Crash Course:

Endurance and CARCHEX offer more coverage options than Concord Auto Protect.

It may be worth it to get a warranty from Concord Auto Protect if your car comes from an unreliable automaker brand, is over 100,000 miles, or over 10 years old.

Concord Auto Protect offers cheaper warranties when compared to providers like Endurance and CARCHEX, but lacks the experience of these providers.

How does an extended warranty from Concord Auto Protect stack up against the vehicle service contracts of other top warranty providers? To answer this question, our team of experts has put 1,475 hours into researching 44 independent warranty companies and surveying roughly 2,000 past customers.

In our extensive Concord Auto Protect review, we give the provider an overall rating of 4.2 out of 5.0 stars. We’ll take a deeper look into the company’s pros and cons – exploring its protection plans, customer reviews, and overall costs. We’ll also recommend a couple of the best extended car warranty companies and see how Concord Auto Protect compares to them.

Our Concord Auto Protect Warranty Review And Methodology

Concord Auto Protect provides fair coverage for vehicles with above-average benefits. The company is a direct provider of its vehicle service contracts, but isn’t backed by a separate insurance provider. While Concord is a very young warranty business, its positive customer reviews and generally low prices make it a company worth considering if you’re thinking about getting extended coverage.

How We Rated The Concord Auto Protect Warranty

To give you the most current information, we update our review standards several times each year. Our warranty research evaluates providers across five key categories: customer service, transparency, affordability, coverage, and industry standing. Each rating is out of 5.0 stars.

Industry Standing: 3.8 Stars

Concord Auto Protect gets an overall above-average rating for its industry standing. While the warranty company has OK scores from customers across a variety of platforms, it’s still a relatively young company when compared to CARCHEX or Endurance.

Coverage: 4.1 Stars

Concord offers three protection plans that are typically offered by most warranty providers: a comprehensive stated-component warranty, a mid-tier vehicle service contract, and a powertrain coverage plan. The warranty coverage is extensive and good, but there are less options at Concord than with other providers. For example, Endurance has six versatile coverage options and CARCHEX has five.

Affordability: 4.6 Stars

What Concord Auto Protect lacks in experience and coverage options it makes up for in cost. Concord Auto Protect has some of the cheapest rates for extended warranties among our top providers. Compared to the cost of Endurance, for example, a warranty from Concord with similar coverage for the same car and the same five-year contract will be significantly cheaper. 

Transparency: 4.5 Stars

While Concord’s website does showcase sample contracts, these aren’t available on the protection plan page and are difficult to find. Concord doesn’t reveal the mileage and term limits of its warranties either. However, the company does display long lists of covered components for each of its protection plans, giving car owners a good idea of what will be covered.

On top of this, Concord has several pages that routinely inform car owners about the company’s offered benefits, such as its 30-day money-back guarantee, its contract transferability, its 24/7 year-long roadside assistance program, and more.

Customer Service: 4.3 Stars

Concord gets a high customer satisfaction rating from us for its mostly positive reviews across rating sites like the Better Business Bureau (BBB) and Trustpilot. Although its Trustpilot rating is just 2.1 stars out of 5.0, 80% of the 300+ customers that reviewed Concord gave the company 5.0 stars.

Is A Concord Auto Protect Warranty Worth It?

In March 2022, our team conducted a survey for car owners that bought extended warranties in the past. Of the 1,000 respondents to the survey, less than 1% had an extended warranty from Concord Auto Protect. This has less to do with Concord’s level of quality than it does the fact that other providers have more experience and recognition.

Here’s some notable information we got from the survey across all 1,000 respondents:

12% got their extended coverage after their factory warranty expired.

70% of customers got their warranty when they purchased their vehicle.

33% of customers got their extended warranty when their car had 50,000 miles to 100,000 miles on the odometer.

27% of customers experienced a mechanical breakdown once a year, while 23% had a mechanical failure every two years.

24% of car owners got their extended warranty from a third-party warranty provider like Concord. Over half got their extended warranty from their manufacturer.

How Much Do Auto Repairs Cost?

According to RepairPal, an auto repair estimator site, the average cost of repairs is $652 per year across 32 automaker brands. To give you an idea of the costs you could pay out of pocket without an extended warranty, here are some common part replacements and their typical car repair prices:

Vehicle Component ReplacementAverage Repair CostEngine coolant temperature sensor$399 to $441Power steering hose$576 to $608Alternator$638 to $821AC compressor$930 to $1,149Exhaust manifold$1,180 to $1,284

How Reliable Is Your Vehicle?

If you drive a vehicle from a reliable automaker brand that makes quality parts that don’t malfunction from mechanical failure, you’re less likely to need an extended warranty from Concord Auto Protect or anywhere else. Keeping that in mind, the table below lists the top six most reliable car brands (with the least amount of mechanical failure issues). It also lists the least reliable auto brands, according to the J.D. Power 2023 U.S. Vehicle Dependability StudySM:

Most Reliable Auto BrandsLeast Reliable Auto BrandsLexusLand RoverGenesisLincolnKiaAudiBuickFordChevroletMercedes-BenzMitsubishiJaguar*Least reliable brands are labeled top to bottom from worst to better.

Concord Auto Protect Warranty Quick Facts

Founded: June 2013

Headquarters: King of Prussia, Pennsylvania

Coverage options: Premium, Advanced, Powertrain

Coverage terms: Not listed on site

Concord Auto Protect has been in the warranty industry for just over 10 years. Despite being very young, Concord’s popularity is growing every year. In our industry-wide review, the company ranked favorably alongside warranty providers with more experience and higher public profiles, such as Endurance, CARCHEX, and CarShield.

Is Concord Auto Protect Reputable?

When shopping for an extended warranty provider, it’s important to know when you’ve found a reputable company that you can trust. As previously mentioned, Concord Auto Protect has many positive customer reviews and is fairly transparent with the protection plans it offers.

While Concord Auto Protect is a legitimate warranty company, it isn’t as experienced as other providers and isn’t accredited by the BBB. Concord Auto Protect is a direct provider, which means it isn’t the middleman between you and the contract administrator. It’s also not backed by a traditional insurer. 

Concord Auto Protect Customer Reviews

Although Concord Auto Protect is not an accredited BBB member, it’s not hard to find a good number of glowing reviews on the ratings website. The same can be said for Trustpilot. Here are some snippets of recent positive reviews for Concord Auto Protect:

“Very happy with the customer service at Concord. I called them about a claim and it was taken care of quickly within 24 hours of the first call. The repair was taken care of by the warranty plan and saved me a decent amount of money off that one repair…”

– Gary Smith via Trustpilot, June 2023

“Covered my claim without any issues. Great customer service and was there when I needed them. Would recommend them to others and [it was] easy to deal with [the] company.”

– Tim V. via BBB, November 2023

Concord Auto Protect Warranty Complaints 

While Concord has a fair share of positive reviews, like all warranty companies, it isn’t without its complaints. Some customers have talked about Concord presenting misleading information or being difficult to contact:

“I would give this company no stars if I could. I requested a refund because I purchased a different car. I have called at least 10 times in the last 2 months regarding a refund. I have been given 4 different amounts that would be refunded and told many times the refund will be in my PayPal account on the day I called…”

– Rebecca Wild via Trustpilot, December 2023

“Total scam company. Did not cover repairs or rental. Dragged the claims process out 2 weeks. Stay away!!!”

– Robert B. via BBB, April 2023

Concord Auto Protect Warranty Coverage

Concord Auto Protect offers three different protection plans to fit individual consumer vehicle and budget needs: Premium, Advanced, and Powertrain. We’ll go over what’s covered by each one below, but we recommend you do your own research, as each vehicle make and model has different needs when it comes to long-term coverage.

Concord Auto Protect Warranty Plans

Concord offers three main vehicle service contracts that cover specific ranges of items. Unlike most warranty providers, Concord does not offer bumper-to-bumper coverage. However, it does offer a warranty that covers the majority of items. Here’s a quick breakdown of the components that each Concord extended warranty covers:

Concord Auto Protect Warranty Benefits

Concord Auto Protect provides customers with some additional services in the event of a vehicle breakdown. Even though most of the following are somewhat standard for extended warranty policies, they’re good to have and provide peace of mind for most customers:

Insured car parts

30-day money-back guarantee

Pro-rated refund if you cancel after 30 days

Towing services to the nearest certified facility

24/7 roadside assistance for 365 days per year

Full transferability of coverage from the original warranty holder

Repairs at any repair facility certified by the National Institute for Automotive Service Excellence (ASE®).

What Does The Concord Auto Protect Warranty Not Cover?

Since none of the plans offered by Concord Auto Protect include bumper-to-bumper coverage, many parts of your vehicle aren’t covered. We recommend thoroughly reading your contract before signing on the dotted line.

The list below showcases some of the repairs and parts not covered under the Concord Auto Protect extended warranty plans. These exclusions are actually very common across most warranty providers:

Tire repairs or replacements

Broken, chipped, or scratched window glass

Routine maintenance services, like oil changes

Fluids (unless it’s necessary as part of a covered repair)

Damages from rust, water, or environmental acts of nature

Items that naturally wear out with regular use, like filters and brake pads

Who Performs The Repairs?

While the website repeatedly asserts that customers can choose any dealer, repair shop, or local mechanic to perform the claim repair, the Concord Auto Protect policy itself states that the facility must have at least one ASE-certified technician on staff.

If you’re worried the facility won’t accept Concord’s coverage, Concord Auto Protect recommends you contact your car repair facility of choice prior to purchasing one of its plans. If the shop initially says they won’t, Concord is willing to reach out directly to build a relationship with the repair facility before you even purchase your plan.

Concord Auto Protect Warranty Cost

The cost of an extended warranty from any provider varies significantly between car owners. This is partially because extended warranty contracts are governed by state regulations. Mostly, it has to do with the car’s mileage, make, model, and age as well as the coverage plan that a car owner chooses. 

The deductible you choose also has a significant impact on the cost of an extended warranty. A higher deductible means lower monthly payments and vice versa. Just remember that going with a higher deductible means you’ll need to pay more out of pocket for covered repairs.

How Much Does A Concord Auto Protect Warranty Cost?

Extended warranties typically land somewhere in the $1,000 to $4,000 total cost range. Since Concord is a newer company, prices can be lower. To give you an idea of ballpark costs, in 2023 our review team reached out to get quotes on two vehicle models at different coverage levels and terms. Each quote below includes a $100 deductible.

It’s important to get a quote to know for sure what you’ll be paying to protect your vehicle. Your cost will likely vary from these quotes. If your current vehicle is close to 100,000 miles or past it, it may be worth it to get a powertrain warranty from Concord, since powertrain warranties cover the expensive vehicle components that often fail at this mileage, like the engine or transmission.

Concord Auto Protect Extended Warranty Reviews: Conclusion

Our team rates Concord Auto Protect at 4.2 out of 5.0 stars. The extended warranty company is a direct provider with low rates and three choices for coverage. Costs can vary significantly, so it’s best to get a direct quote from the provider. As always, in order to eliminate any future frustrations related to coverage, make sure you know exactly what is and isn’t covered in your contract before signing it.

Car Warranty Companies Like Concord Auto Protect

Concord Auto Protect is a fair warranty company for its age but if you’re looking for a provider with more experience and more coverage options, our experts recommend Endurance and CARCHEX.

Endurance: 4.6 Stars

Endurance is our highest-rated recommended third-party provider for several reasons. On top of its six versatile coverage plans, Endurance can offer you one free year of special Endurance Elite benefits, which gives you up to $500 in collision discounts, up to $1,000 in total loss replacement coverage, and more.

Keep reading: Endurance Warranty review

CARCHEX: 4.4 Stars

CARCHEX is one of the highest competitors in the warranty industry for its two decades of experience. As a warranty broker, CARCHEX gives you five coverage tiers to choose from, each of which contain their own contracts from other top warranty providers. CARCHEX has been recommended by automotive industry experts like CARFAX and Kelley Blue Book.

Keep reading: CARCHEX review
Compare providers: Endurance vs. CARCHEX

Concord Auto Protect Car Warranty Reviews: FAQ

Below are some common frequently asked questions about Concord Auto Protect extended warranties:

Original article: Concord Auto Protect Reviews