Is your car outside of factory warranty?

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When a vehicle's factory warranty expires, dealerships and consumers contact us. Our third-party vehicle service contracts are not the same thing as the factory warranty, but many can provide better protection for your vehicle. People also refer to this as a car warranty, truck warranty, vehicle waranty, extended auto warranty, extended warranty, or a car repair protection plan. Call us today! 



About American Guardian

American Guardian Group of Companies was formed in 1998.  American Guardian does business across the United States and Canada, and offers administrative, insurance, reinsurance and data processing services to over 3,000 dealers in auto, RV, powersport, marine and commercial trucking industries.

American Guardian contracts are insured by Virginia Surety Company, Inc. an A-rated A.M. Best company. American Guardian continues to receive an A+ rating from the Better Business Bureau. American Guardian employs more than 90 people to aid our dealers and customers with their questions, claims and supply needs. Over 80% of claims paid to repair facilities and customers are made as credit card claim payments through the U.S. and Canada. 

American Guardian continues to grow and currently has 11 subsidiary companies under its administration that include the following products:

  • Vehicle Service Contracts

  • Guarantee Asset Protection Programs

  • Product Warranty

  • Appearance Production Programs

  • Dealer Certified and Powertrain for Life Programs

  • Finance and Insurance Training

  • Additional F&I Products including Dent, Tire & Wheel, Lease Programs & Key Replacement


What is a vehicle service contract?


American Guardian Warranty continues to get asked the question of why do you call this warranty a vehicle service contract?

Almost every new vehicle comes with a warranty from the manufacturer - this is an agreement between, You, the customer with them which typically states if anything should break, malfunction, or otherwise go wrong with the vehicle within a certain period of time then the manufacturer will repair or replace the component at no cost to the customer. Standard warranty period is 3 years/36,000 miles (but may vary), it expires whenever the mileage or years go up first.


Vehicle service agreements (also known as extended warranty plans) are designed to offer similar peace of mind by literally extending the length of time a customer can expect to receive such coverage. Also sometimes known as a vehicle service contract, an extended warranty is a plan that can be purchased by a consumer that will cover the costs of repair, parts, labor, and/or sales tax for certain repairs or replacements. They work very similarly to the manufacturer warranty that comes with most new vehicles


What is covered in Powertrain Warranty?

This portion of your warranty refers to the engine, transmission, drivetrain and/or other components and systems of your vehicle. This warranty may be up to 5, 7 or even 10 years depending on the manufacturer. This is not the same coverage as your Manufacturer Warranty.


Where do I take it?

Yes, you really can choose any dealer, national chain, or local mechanic to perform the repairs on your vehicle with your vehicle service plan (extended warranty contract). Unfortunately, this is not true of all extended vehicle warranty providers.


What should I tell them once I drop it off?

Please notify the repair facility that you have a service contract administered by American Guardian Warranty Services. Provide them with a copy of the contract and our phone number and tell them to contact our claims department. After they have diagnosed the problem but before they start any repairs.


What if my car repair facility won't take your plan?

Typically our service contracts are accepted nationwide but in the rare occasions that a dealer or service facility will not accept our vehicle service agreement, we would first direct you to use another service facility if possible to ensure you get the best possible price on repairs. If you do not wish to take it to another repair facility, we would ask that you contact us directly before any repairs are made so we can discuss proper reimbursement.


How do deductibles work?

During each repair visit there will be a required deductible associated with your vehicle service contract (this will vary from each type of product we have and in some cases, no deductible). When it comes time for payment of repairs American Guardian Warranty Services will pay the service facility (typically by credit card) and you will have to pay said deductible and any non-covered repairs under your vehicle service contract to the service facility.


What is not covered? Only what you would expect.

Routine maintenance items such as oil, coolant, fluids, refrigerant, and others are not covered. Items that routinely need replacement such as the battery, tires, brake pads, brake drums, brake shoes, exhaust system, and shock absorbers are not covered. Appearance concerns and exterior items such as bright metal, vinyl, ornaments, wheel covers, and paint are not covered. Interior items such as upholstery, buttons, carpet, door and window handles are not covered.


100% Guaranteed Part Replacement

If a part covered by the contract fails a second time during the term of the contract, all repair charges are paid by your American Guardian Protection Plan. No Deductible. No Extra Repair Charges. Guaranteed.







Wear & Use

Included in all coverage levels, is the replacement of covered components resulting from the gradual reduction in performance due to normal wear and use, when the wear exceeds the manufacturer’s specification.


Rental Assistance
In the event of a mechanical breakdown of a covered part, you will be reimbursed for actual expenses incurred for substitute transportation up to $35.00 per day, for five (5) days, not to exceed $175.00 per occurrence.


Trip Interruption Assistance
American Guardian will reimbursement for meal and lodging expenses incurred when a covered breakdown disables your vehicle more than 100 miles from your hometown.


Roadside Assistance
American Guardian Protection Plan provides National Roadside Assistance through Nation Safe Drivers for towing and other emergency needs. If you have a breakdown or need other assistance, call the toll free number 24 hours a day.


Agreement Transferability
In the event that You sell the covered Vehicle to another private party, You may apply for transfer of coverages to the new owner. See Terms and Conditions for necessary procedures.


Flexible Deductibles
Choose the deductible that fits your budget and your driving needs.


Accepted Nationwide
American Guardian Protection Plan service contracts are accepted by repair facilities anywhere in the U.S. and Canada. Claims can be paid by corporate credit cards to expedite your repair.


Towing Assistance
American Guardian's towing assistance becomes necessary due to the Breakdown of a covered component, towing Costs not payable by insurance will be covered for up to $100.00 per occurrence. 


Battery Service
If a battery failure occurs, a jump-start will be applied to start the covered vehicle.


Flat Tire Service
Tire service includes removal of the flat tire and its replacement with the covered vehicle’s spare tire.

Emergency Fluid/Fuel Delivery Service 
An emergency supply of coolant, oil, water or fuel will be delivered to your covered vehicle at place of disablement. You will pay the cost of the actual fluid or fuel when delivered.


Lock-Out Assistance
If your keys are locked inside the covered vehicle, assistance will be provided to gain entry to the vehicle.


Out-of-Pocket Expense
Just sign and go, there are no receipts to submit for reimbursement.


Roadside Assistance 
When you need it 24 hours a day 365 days a year, just call 1-866-330-7623. please consult your agreement for Producer code and Plan letter.



How could this possibly make that much of an impact?

With the cost of repairs on the first three items and the need for your stranded vehicle to be towed we are talking about thousands of dollars in bills that not every consumer can bare, but with American Guardian Protection you can the peace of mind for years down the road. You should also ask yourself the question what will my vehicle look like in 3-5 years?



NOTE: Please review the respective vehicle service contract for contract terms, conditions, exclusions and

limits of liability.

Disclaimer: National Repair Solutions offers Extended Motor Vehicle Service Contracts, or Vehicle Service Contracts. Vehicle Service Contracts are not called Warranties because a Warranty is only something that the manufacturer of a product can offer. Although Dealerships offer Vehicle Service Contracts as "Extended Warranties," they are not legally Warranties because they are with administrators who are not the manufacturers. National Repair Soultions does not use any of the following terminioogy when describing a program with any customers. The words "Warranty, Extended Auto Warranty, or Auto Warranty" should only be used when you are referring to the vehicle's original factory warranty. Third party or aftermarket vehicle service contracts (like National Repair Solutions policies) are not through any vehicle manufacturer. People who search online commonly search for the terms, "expired bumper to bumper warranty, expired extended auto warranty,  expired used car warranty,  expired truck extended auto warranty, expired luxury warranty, expired premium warranty, dealership warranty, extended factory warranty, online extended auto warranty, high mileage warranty, repair insurance, vehicle protection service plans, vehicle protection plans, best extended warranty online, mechanical break down plans, repair coverage, vehicle repair coverage, or truck repair coverage." These phrases are not the correct terminalogy to refer to a third party, or aftermarket, vehicle service contract. Please contact one of our coverage specialists if you have any questions.