Prime Auto Care, Inc.

Name

Prime Auto Care, Inc.

Legal name

Prime Auto Care, Inc.

Website

https://primeautocare.com

Company type

Private

Founded year

2000

Operating status

Operating

Headcount range

1–10 employees

Ownership category

akta.pro rank

Headquarters

HQ city

Wilkes-Barre, Pennsylvania

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Operations, Personnel, Marketing or Sales, Technology or R&D, Supply Chain

Revenue model

1. Vehicle Service Contracts: Service contracts sold to car buyers at dealerships, providing coverage for mechanical breakdowns. Contracts are purchased at point of sale and backed by insurance companies rated A+ Excellent by AM Best.
2. GAP Protection: Guaranteed Asset Protection coverage that pays the difference between insurance settlement and loan/lease balance when a vehicle is stolen or totaled.
3. Dealership F&I Products: Customized F&I product and service packages tailored to specific dealership needs, including software, reinsurance, and training.
4. Ancillary Protection Products: Additional products including Appearance Protection, Eco-friendly products, Key Replacement, Tire and Wheel Protection, Paintless Dent Repair, and Windshield Protection.

Go-to-market motion2 records

Distribution channels3 records

Marketing channels3 records

Core offering

Prime Auto Care is a fully integrated F&I (Finance & Insurance) solutions provider for the automotive industry, designing and administering vehicle protection products distributed through a nationwide network of franchise and independent dealerships and agents. Its core offerings include Prime and Vision Vehicle Service Contracts for new, certified pre-owned, and high-mileage used vehicles, Prime GAP coverage for loan/lease balance protection, and ancillary protection products such as Appearance Protection, Key Replacement, Tire and Wheel Protection, Paintless Dent Repair, Windshield Protection, and Eco-friendly car care solutions. All products are backed by insurance companies rated A+ Excellent by AM Best.

Product overview

Prime Auto Care is a fully integrated F&I (Finance & Insurance) solutions provider offering a suite of vehicle protection products. The core offerings include Prime and Vision Vehicle Service Contracts for new, pre-owned, and high-mileage vehicles; Prime Gap coverage for loan/lease balance protection; and various ancillary protection products including Appearance Protection, Eco-friendly Products, Key Replacement, Tire and Wheel Protection, Paintless Dent Repair, Windshield Protection, and Rewards Programs. All products are backed by insurance companies rated A+ Excellent by AM Best and are distributed through a network of franchise and independent dealerships and agents nationwide.

Differentiator

Problem solved

Functional benefit

Brands

• Prime: Vehicle Service Contract product line for new and Certified Pre-Owned vehicles with 4 levels of coverage
• Vision
• Prime Gap
• Prime Nano Forcefield Appearance Protection
• Prime Key Replacement
• Prime Tire and Wheel Protection
• Prime GAP Plus

Products and services

• Prime Service Contract Vehicle service contract for new and Certified Pre-Owned vehicles offering four levels of coverage, including disappearing deductibles, wrap coverage for every manufacturer, coverage for commercial and lifted vehicles, 24-hour towing and roadside assistance, trip interruption, and rental car benefits. Sold via participating dealerships.
• Vision Service Contract Vehicle service contract designed for used and higher-mileage vehicles, offering five levels of coverage including Exclusionary, nationwide coverage, any year and any mileage coverage, lifted vehicle coverage, and seals and gaskets coverage at every level. Sold via participating dealerships.
• Prime GAP Protection Guaranteed Asset Protection coverage that pays the difference between a customer's loan or lease balance and what their insurance company pays when a vehicle is totaled or stolen. Available in multiple tiers including Prime 150 GAP (up to 150% MSRP eligibility), Prime 125 GAP (up to 125% MSRP eligibility), and Prime GAP Plus (up to 150% MSRP eligibility plus $1,000 toward a replacement vehicle). Deductible is also covered.
• Appearance Protection Protection product that preserves the appearance of a vehicle, covering both interior and exterior to keep it spotless. Sold through dealership F&I offices.
• Prime Nano Forcefield Appearance Protection Advanced appearance protection product with dedicated claims support reachable at 800-810-8458. Sold through Prime Auto Care's dealer and agent channels.
• Eco-friendly Car Care Products Environmentally friendly car care solutions offered as part of Prime Auto Care's product suite, distinguishing the company as one of the first to bring eco-friendly options to the automotive F&I market.
• Prime Key Replacement Protection product covering the cost of replacing lost or locked-out vehicle keys. Backed by Prime Auto Care's claims administration.
• Prime Tire and Wheel Protection Protection product covering the cost of repairing or replacing tires and wheels damaged by road hazards. Sold through dealerships with dedicated claims handling.
• Prime Paintless Dent Repair Protection product covering paintless dent repair services to remove minor dents from vehicle body panels without affecting the factory paint finish.
• Prime Windshield Protection Protection product covering repair or replacement of damaged windshields. Sold via participating dealerships and administered by Prime Auto Care.

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature4 records

Scale indicators2 records

Recent moves5 records

Expansion highlights3 records

Direct peers

• JM&A Group: Dealer-affiliated F&I product provider offering VSCs, GAP, and ancillary protection products; competes head-to-head with Prime Auto Care for franchise and independent dealer shelf space.
• EasyCare: Provider of vehicle service contracts, GAP coverage, and ancillary protection products distributed through dealer partners; directly comparable in product mix and dealer-channel go-to-market.
• APCO Holdings: Holds multiple F&I product brands (EasyCare, GWC Warranty, ForeverCar) covering VSCs, GAP, and ancillary protection; directly comparable multi-product dealer-channel competitor.
• National Dealer Services (NDS): Specialty F&I product provider offering VSCs, GAP, tire-and-wheel, key replacement, and other ancillary products through dealer partners; closely comparable product portfolio and dealer-channel model.
• Portfolio Protection: F&I product provider distributing vehicle service contracts and ancillary protection through dealer and agent networks; comparable in product mix and channel-led go-to-market.
• Endurance Warranty: Extended vehicle service contract provider selling through both dealer and direct-to-consumer channels; directly comparable in core VSC product, with different distribution emphasis.

Broad incumbents

• Assurant: Large public insurer with a Global Automotive segment offering vehicle service contracts, GAP, and ancillary protection products through dealer and lender channels; the closest scaled analog to Prime's integrated F&I platform.
• Zurich North America (Warranty Solutions): Global insurer offering vehicle service contracts and dealer F&I protection products; broader incumbent competing for the same dealer relationships and contract flows as Prime.
• MAPFRE Warranty Solutions: Global insurer's extended-warranty and F&I division offering service contracts and asset protection products through dealer and lender channels; broader incumbent with overlapping product set.

Emerging players

• CarShield: Direct-to-consumer extended warranty provider with growing brand recognition; partial overlap with Prime's VSC business but bypasses the dealer F&I channel.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat3 records

Key risks5 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/prime-auto-care-inc-

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Prime Auto Care, Inc.