5 Star Auto Protection Review


Rating: 7.4 / 10 (Very good)
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5 star auto protection is an auto warranty company based in Austin, Texas. Founded in 2010, this company has maintained an A+ rating via the Better Business Bureau since 2010. In addition to a money-back guarantee, 5 star auto protection also offers month-to-month coverage instead of a mandatory long-term contract.

How is 5 Star Auto Protection rated?

Breakdown

7/10
Coverage
8/10
Service Contract
7/10
Claims & Repairs
8/10
Reputation

Overall Rating: 7.4 / 10 (Very good)

5 Star Auto Protection is a Better Business Bureau-accredited company offering quality auto warranty plans for most vehicle types. All service contracts with the company offer benefits such as direct payment to the selected repair shop, towing, roadside assistance, road hazard coverage, and travel discounts. 5 Star Auto Protection provides other attractive service features as well, including affordable month-to-month plans, an in and out of network repair shop selection, and rate lock-in, so clients always know what to expect from their auto warranty policy. Those looking for comprehensive coverages, transparent prices, and the ability to purchase plans entirely online without having to speak to a sales agent will find 5 Star Auto Protection an ideal fit.

Coverage Overview

Key Facts

Plan Types
Powertrain Coverage
Named Component Coverage
Exclusionary Coverage
Types of Vehicles Covered
New
Pre-Owned

Coverage - 7 / 10

5 Star Auto Protection offers powertrain, named component, and exclusionary coverages for both new and used cars. Their Platinum, Exclusionary, and Ultimate coverage products protect all vehicle parts against mechanical breakdowns, excluding some wear and tear items like brake pads. All of their plans, (Ultimate, Deluxe, and Gold), include additional benefits such as towing services, car rental, roadside assistance, tire repair and replacement, and travel discounts. People looking for comprehensive plans that offer all the protection a new or used vehicle could need will find an excellent selection from 5 Star Auto Protection.
Limit of Liability: Limits of Liability for the Ultimate and Deluxe Coverages - The aggregate total of provider's limit of liability for all benefits paid or payable during the term of this service agreement shall not exceed the NADA fair trade in value of $25,000 whichever is less. Limitations of Liability for the Gold Coverage - The aggregate limit of liability of all claims and benefits payable under this contract shall never exceed the amount stated on the Declarations Page. Liability shall be limited to the reasonable price for repair or replacement of any covered part and the reasonable amount of labor time needed for the repair or replacement of any covered part as based on a nationally recognized guide selected by the Administrator (maximum labor rate as specified in Section F.14 of your contract). Parts and replacements may include new parts or parts of like kind and quality, which may include used parts, after-market parts or remanufactured parts, as customarily used in the automobile industry. You will be responsible for the cost of all repairs that exceed the aggregate limit of liability under this contract. The administrator shall not be required to pay or authorize any repair amounts if all needed or covered repairs are not performed on your vehicle. We will not be liable to you for consequential damages or injuries, nor any costs or expenses that provide betterment, upgrade, or enhancement to you or your vehicle. This limit of liability applied regardless of the cause and regardless of the legal theory asserted. There are no warranties that extend beyond the description on the face hereof. The warranties of merchantability and fitness for a particular purpose are expressly excluded and disclaimed.

What does 5 Star Auto Protection cover?

Powertrain Coverage

  • Engine
  • Transmission
  • Drive Axle Assembly

Component Coverage

  • Factory Air Conditioner
  • Brakes
  • Engine Cooling System
  • Electrical Components
  • Front & Rear Suspension
  • Fuel System
  • Steering

Additional Benefits

  • Substitute Transportation
  • Roadside Assistance

Exclusions

For a full list of 5 Star Auto Protection exclusions, check out this page.

Claims & Repairs

Claims

Deductible Options
$100
Maintenance Records Required for Service?
Yes
Waiting Period
30 days and 1,000 miles

Repairs & Service

Repair Facility Selection
In-Network Only

Claims & Repairs - 7 / 10

5 Star Auto Protection's Ultimate and Deluxe coverages have a $100 deductible per component, in the event of a failure covered under the service agreement. Gold coverage does not have a set deductible, but the company-provided sample contract states the maximum hourly rate to be paid for any covered repair will be determined based on average repair facility labor fees for the zip code area and vehicle type, but shall not exceed $100 per hour. This means that any labor charges in excess of $100 per hour will be the sole responsibility of the client. The plan administrator also reserves the right to inspect covered vehicles before any repairs are carried out and will determine which repair facility is approved to conduct said repairs.

5 Star Auto Protection Service Contract

Contract Details

Contract Length
Coverage begins on the 31st day after the service agreement sale date and 1,000 miles from the odometer reading at the time or mileage of the service agreement selected, which will expire according to the time or mileage specified in the contract.
Vehicle Inspection Required for Contract?
No
Transferability of Warranty?
Yes

Sample Contract

5 Star Auto Protection provides a sample contract for potential customers on its website: 5 Star Auto Protection Sample Contract

Service Contract - 8 / 10

Coverages with 5 Star Auto Protection begin on the 31st day after the date of purchase and remain in effect for the time or mileage specified in the service agreement. The company also extends a 30-day money back guarantee with a full refund available if no claims were paid to the client during that time. 5 Star Auto Protection provides detailed sample contracts for their three plans, which customers can thoroughly review before enrolling in coverages online or over the phone.

Company Reputation

Company Details

Year Founded
2010
Vehicle Protection Association Member?

Customer Reviews

BBB Rating
A+
Date Collected
2017-10-23

Reputation - 7.5 / 10

5 Star Auto Protection is accredited by the Better Business Bureau, with which they hold an A+ rating despite their single customer complaint. Said complaint was due to problems with the company's products or services, yet the issue was immediately addressed by the company to the satisfaction of the accrediting organization. 5 Star Auto Protection has been in business since 2010 and in operation with the BBB's accreditation since 2015.

Contact & Additional Information

Homepage URL
Company Phone
(800) 525-3440
Headquarters Address
2900 N Quinlan Park Road, Suite B240-311, Austin, TX, 78732

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Top Rated
Our Partner
10 / 10
  • 24/7 roadside assistance
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  • Vehicles up to 160,000 miles
  • 30-day money back guarantee
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  • Waiting period
  • No upfront payments
  • Consistently #1 in customer satisfaction