Coverage Plan

We offer 3 coverage options with transparent pricing. Purchase the plan that works best for your vehicle.

Best coverage

Ultimate

Our most popular plan, is a comprehensive coverage plan that has SOS® it covered.

Right in the middle

Premium

Everything from SOS® powertrain and turns up the heat, covering more than the major parts.

Best value

Standard

Protects you from a major auto repair bill by covering the most expensive parts.

Coverage	Ultimate	Premium	Standard
Gasoline/Diesel Engine Gasoline/Diesel Engine Cylinder Block Cylinder head(s) (if damaged by internally lubricated covered part) Harmonic balancer Internally lubricated parts: pistons, piston rings, piston pins, crank-shaft, main bearings, camshaft, camshaft bearings, connecting rods, rod bearings, rocker arms, rocker arm shafts, rocker arm pivots, valve keepers, valve retainers, hydraulic/solid valve lifters, cam followers, oil pump, timing chain Harmonic balancer Metal timing cover (if damaged by an internally lubricated part) Metal oil pan (if damaged by an internally lubricated part) Engine vacuum pump Engine mounts (If failed, not worn)
Transmission/Transaxle Transmission/Transaxle Transmission case/Transmission pan (if damaged by internally lubricated covered part) Internally lubricated parts included within banner kit components: automatic transmission, clutch steels/plates, accumulating/servo locking rings Transmission mounts, torque converter, vacuum modulator
Cooling Cooling Cooling fan clutch Main engine radiator cooling fan motor Radiator Main engine water pump
Brakes Brakes Master cylinder Wheel cylinder Hydraulic front/rear disc brake calipers Power brake booster
Electrical Components Electrical Components Ignition distributor Starter solenoid Starter motor Voltage regulator Alternator A/C heater blower motor
Drive Axle Drive Axle Front propeller/drive shaft universal joints Front axle shaft universal joints Rear propeller/drive shaft universal joints Rear propeller/drive shaft support and bearing Front CV axle shaft joints
Seals and Gaskets Seals and Gaskets Seals and Gaskets are covered only in conjunction with a repair or replacement of the above Covered Parts and are not covered as standalone failures. Minor loss of fluid or seepage is considered normal and is not considered a mechanical Breakdown and is not eligible for Coverage.
Steering System Steering System Rack and pinion unit and all related internal lubricated parts Power steering pump/shaft seal pump Pitman/idler arm Inner tie rod ends Outer tie rod ends
Turbo / Super Charger Turbo / Super Charger (Factory installed only) Internal parts Housing is covered if damage is caused by the failure of an internally lubricated moving part Turbo/supercharger mount gaskets during replacement
AWD/4x4 AWD/4x4 The following components in the transfer case: Drive chain/gears Planetary gears Ring shift forks Oil pump output shaft/main shaft washers Transfer case actuator Four-wheel drive actuator Seals and gaskets during rebuilding Transfer case input/output seal
Differential Assembly Differential Assembly Front and rear differential housing if damage is caused by a failure of internally lubricated covered parts Ring and pinion gears/bearings Spider and carrier gears/bearings Axle shaft/bearings Pinion/axle shaft seal
Suspension System Suspension System: (If failed, not worn) Front: Upper/lower control arms and bushings, lower torsion/tension arms, stabilizer end links ball joints, hub and wheel bearings. Rear: Upper lower controls arms and bushings, stabilizer end links, ball joints, hub and wheel bearings.
Air conditioning and heating Air conditioning and heating Compressor and compressor clutch A/C high/low pressure compressor cutoff switches Condenser Field coil Accumulator
Fuel System Fuel System Main fuel pump Fuel injector(s) Gasoline pressure regulator
ABS Brakes ABS Brakes Wheel speed sensors Hydraulic pump/motor assembly Pressure modulator valve/isolation dump valve Accumulator ABS master cylinder Hydro Boost and Electronic Control Processor
Hi-Tech Hi-Tech ABS master cylinder ABS processor Hydraulic pump motor/pressure modulator valve Sensors Air charge temperature sensor Coolant temperature sensor Fuel pressure sensor Fuel injector(s) Ignition management controls Crankshaft position sensor Ignition coils Wiper motor(s) Power window motors Power door lock actuators Driver and passenger front forward/backward seat motor Driver and passenger front tilt seat base motor Driver and passenger front tilt seat back motor Automatic temperature control panel Key-less entry module excluding remote Electronic level control compressor Factory installed GPS Navigation module Sunroof motor and convertible top motor Factory installed rear view camera

Extended warranty solutions

It can be challenging to find the right coverage from new cars and used cars to industry language and what to look for in coverage. SOS Auto Protect works to inform our potential customers and avoid any pushy sales tactics so they can find what coverage is right for them. That’s why we have created, and will continue to create, in-depth resources like our buyer’s guide, with all the information you need to make an informed decision.

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Top Question About Coverage Plans

Start with your car, not the plans.
How old is it? How many miles are on it? Are you planning to keep it for another year or another five? Those answers usually narrow things down pretty quickly. If you're still unsure, give us a call. We'd rather spend a few minutes helping you choose than have you end up with a plan that isn't right for your vehicle.

Not at all.
Some people assume the highest level of coverage is only meant for expensive vehicles, but that's not really the case. Plenty of everyday drivers choose it because they want broader protection. It has more to do with how long you plan to keep your vehicle than the badge on the hood.

Maybe not.
If your car mostly sits in the garage and only comes out on weekends, your needs may be different from someone who spends two hours a day commuting. That's why there isn't just one plan. You can choose the level of protection that actually matches the way you use your vehicle.

Because cars aren't all the same.
A five-year-old SUV with 40,000 miles has different needs than a ten-year-old sedan with well over 100,000 miles. Offering one plan for every vehicle wouldn't make much sense. Having options lets you choose what feels right instead of paying for coverage you may never use.

We actually encourage it.
Compare the coverage, not just the monthly price. See what's included, ask questions, and make sure you're comfortable before making a decision. Buying a protection plan isn't something most people do every year, so it's worth taking your time.

They look at the price first.
That's understandable, but it's not always the best approach. A slightly lower payment doesn't help much if the plan doesn't cover the repairs you're most worried about. Looking at the coverage first usually leads to a better decision.

That's one reason we encourage people to ask questions before signing up.
It's much easier to sort things out beforehand than after you've already selected your coverage. If something isn't clear, we'd rather explain it than rush you into a decision.

Honestly, no.
Most people couldn't point to a differential or explain what a transaxle does, and that's perfectly normal. The comparison chart is there for transparency, but if you're unsure about anything, just ask. We'll explain it without all the technical jargon.

Not necessarily.
The best plan isn't always the biggest one. It's the one that makes sense for your vehicle and your budget. Some drivers genuinely need broader protection, while others are perfectly happy covering the major systems and leaving it at that.

Of course.
Getting a quote is simply part of the process. It gives you a better idea of what's available for your vehicle, and there's no pressure to make a decision on the spot. Sometimes people compare a few options before choosing, and that's completely normal.

Sometimes it comes down to balance.
They want more than basic protection but don't feel they need the widest level of coverage available. For a lot of drivers, Premium offers that middle ground, which is why it's such a popular choice.

Yes, that's usually when people start shopping around.
It's easier to compare plans while everything is still running smoothly than after a warning light suddenly appears on the dashboard. Waiting until something goes wrong can leave you with fewer choices.

We'll help.
That's what we're here for. You don't have to compare every line in the chart on your own. Tell us about your vehicle, and we'll explain the differences in plain English so you can decide what feels right.

Because nobody wants surprises later.
It's one thing to assume something is covered. It's another to know for sure before you buy. Spending a little extra time comparing plans now can save a lot of frustration down the road.

Don't rush it.
A protection plan should fit your vehicle, not just your budget. Ask questions, compare what's covered, and choose the option that gives you confidence every time you turn the key. That's usually a much better approach than picking the first plan you see.