Proguard Automotive

What Proguard Automotive does

Proguard Automotive (legal entity Proguard Warranty Inc.) is a third-generation, family-owned U.S. vehicle service contract administrator headquartered in Avoca, Pennsylvania. The company has operated continuously in the automotive industry for over 70 years, having been founded around 1950. It designs and administers a portfolio of vehicle protection plans sold exclusively through a vetted network of authorized dealers at the point of vehicle sale or lease, with contract costs eligible to be financed into the customer's auto loan.

Its product architecture is a five-tier consumer plan (Proguard 1 through Proguard 5) ranging from basic powertrain coverage for vehicles up to 200,000 miles to exclusionary bumper-to-bumper coverage for vehicles under 100,000 miles. This core line is augmented by Factory Xtend and Factory Xtend Wrap (extending manufacturer warranty windows), Certified Pre-Owned Plans (CPO 1 and CPO 2), a Commercial Vehicle Protection Plan for fleets and rideshare, a Decade Powertrain Plan, an iQ Tech Package add-on for smart-technology components, CADProtect developed with The Certified Agriculture Group for farm and ranch vehicles up to 19,500 pounds GVW, and a Gap Waiver product.

The operating stack combines contract administration with a Proguard Select nationwide network of vetted repair facilities, U.S.-based customer service, ASE-certified claims adjusters who can both diagnose and authorize mechanical issues, and direct payment to repair facilities by credit card, ACH, or check. All contracts are fully insured by A-rated (per A.M. Best) insurance carriers. Plans include 24/7 roadside assistance, towing, rental/rideshare reimbursement, trip interruption coverage, transferable contract rights, and on eligible vehicles a SiriusXM Platinum trial. The company has no public funding history, no disclosed parent company, and reports no M&A or leadership-change activity in the source material.

Name

Proguard Automotive

Legal name

Proguard Warranty Inc.

Website

https://proguardautomotive.com

Company type

Private

Founded year

1950

Operating status

Operating

Headcount range

101–250 employees

Short description

Proguard Automotive is a family-owned U.S. vehicle service contract administrator that designs and sells a tiered portfolio of vehicle protection plans exclusively through authorized dealers at the point of vehicle sale.

Ownership category

akta.pro rank

Product category

Vehicle Service Contracts

NAICS

Direct Property and Casualty Insurance Carriers (524126), Insurance Carriers and Related Activities (524)

SIC

Fire, Marine & Casualty Insurance (6331)

akta.pro primary industry

Warranty & Service Contract / Mechanical Breakdown Insurance (FSAJAMAM)

akta.pro secondary industries

Commercial Auto for Specialty Vehicles (Tow Trucks, Limousines, Dump Trucks, etc.) (FSAJABAG), Commercial Auto & Fleet Insurance (FSAJAMAB)

Keywords

• Vehicle service contracts
• Extended auto warranties
• Vehicle protection plans
• Mechanical breakdown coverage
• Automotive aftermarket products

Headquarters

HQ city

Avoca

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Others, Technology or R&D

Revenue model

1. Vehicle Protection Plan Contracts: One-time vehicle service contracts sold at point of vehicle sale through dealer network. Customers pay upfront or finance the cost into their vehicle payment. Plans provide coverage for mechanical breakdowns throughout the contract period after deductible.
2. Financed Protection Plans: Protection plan costs can be built into vehicle financing, allowing customers to spread payments over the life of their auto loan while maintaining coverage.

Pricing tiers

Go-to-market motion1 record

Distribution channels1 record

Marketing channels4 records

Core offering

Proguard Automotive provides vehicle service contracts (extended warranties) that cover mechanical breakdown repair costs after factory warranty expiration. Plans are sold exclusively through authorized dealers at the point of vehicle sale or lease, with tiered coverage levels ranging from basic powertrain (Proguard 1) to exclusionary bumper-to-bumper (Proguard 5), plus specialized plans for commercial vehicles, certified pre-owned vehicles, agricultural trucks, and technology components. All contracts are fully insured by A-rated insurance carriers and include 24/7 roadside assistance, rental reimbursement, and trip interruption benefits.

Product overview

Proguard Automotive is a third-generation family-owned vehicle protection plan provider offering a tiered portfolio of vehicle service contracts sold exclusively through dealers. The core product line consists of five levels of protection (Proguard 1-5) ranging from basic powertrain coverage to exclusionary bumper-to-bumper coverage. Supporting products include Factory Xtend and Factory Xtend Wrap for extending manufacturer warranties, CPO 1 and CPO 2 for certified pre-owned vehicles, Commercial Vehicle Protection for business fleets, Decade Powertrain for vehicles under 80,000 miles, iQ Tech Package as an add-on for technology components, CAD Protect for agricultural vehicles, and Gap Waiver for asset protection. All plans are fully insured, transferable, and include roadside assistance and towing benefits, with SiriusXM subscription offered on eligible vehicles.

Differentiator

Problem solved

Functional benefit

Products and services

• Proguard 1 Basic powertrain coverage protecting the engine, transmission, and differential for high-mileage vehicles up to 200,000 miles at time of purchase. Limited liability product with payout limits for covered components.
• Proguard 2 Powertrain plus cooling system, fluids, turbo/supercharger, and EV/Hybrid components for vehicles up to 175,000 miles. Pays up to Actual Cash Value of vehicle in claims with diagnostics, 24/7 roadside assistance, and towing included.
• Proguard 3 Standard coverage including all ProGuard 2 components plus ABS brakes, air conditioning, braking, cooling, fuel system, electrical system, steering, suspension, Advanced Electrical, Advanced EV/Hybrid components for vehicles up to 150,000 miles. Includes rental car reimbursement and trip interruption coverage.
• Proguard 4 Enhanced coverage including all ProGuard 2 and 3 coverage plus engine, transmission, fuel injectors, cruise control assembly, additional electrical components including ECU, PCM, BCM, and numerous sensors for vehicles up to 125,000 miles.
• Proguard 5 Ultimate exclusionary coverage mirroring manufacturer basic factory warranty, covering almost every component for vehicles up to 100,000 miles. Includes SiriusXM, 24/7 roadside assistance, rental car reimbursement, and trip interruption coverage.
• Factory Xtend Extended factory coverage plan for vehicles still under manufacturer warranty, providing additional coverage and benefits of ProGuard Protection 3, 4, and 5 plans at lower cost.
• Factory Xtend Wrap Coverage that extends the life of manufacturer's basic coverage to match powertrain coverage duration, protecting components that would otherwise be left unprotected during the gap between basic and powertrain warranty expiration.
• CPO 1 Plan Short-term major component coverage for certified pre-owned vehicles including air conditioning, cooling system, fuel systems, Advanced Electrical, Advanced EV/Hybrid components, and rental car reimbursement. Vehicles undergo 125-point inspection.
• CPO 2 Plan Extended term powertrain coverage covering engine, transmission, and differential components for certified pre-owned vehicles, plus diagnostics, 24/7 roadside assistance, and towing.
• Commercial Vehicle Protection Plan Protection plan for commercially registered vehicles including delivery vans, utility trucks, flatbed tow trucks, and rideshare vehicles. Covers powertrain plus air conditioning, braking, cooling, fluids, suspension, and steering components.
• Decade Powertrain Plan Powertrain coverage for vehicles with less than 80,000 miles at time of purchase, covering them for 10 years from original in-service date or until odometer reaches 100,000, 125,000, or 150,000 mile options. Includes trip interruption, diagnostics, and 24/7 roadside assistance.
• iQ Tech Package Smart technology component protection add-on covering adaptive cruise control, adaptive lighting, cameras, heads-up display, keyless access, lane departure warning, navigation, parking sensors, power liftgate, push-to-start, TPMS, USB ports, vehicle hot-spot, and Wi-Fi. Available as add-on to ProGuard 3, 4, and 5 plans.
• CAD Protect Asset protection plan for the agriculture industry, the only vehicle protection plan endorsed by The Certified Agriculture Group. Available for new or pre-owned vehicles less than 10 years old and under 150,000 miles, with coverage up to 19,500 pounds GVW. Terms range from one to four years with 25,000 miles per year allowance.
• Gap Waiver Guaranteed Asset Protection waiver covering the difference between what is owed on a vehicle and its actual cash value in case of total loss, repossession, or unrecovered theft.

Quantifiable outcome

• Day one coverage protects against covered repair costs immediately upon vehicle purchase
• +3 more outcomes

Segments6 records

Ideal customer profiles5 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration1 record

Feature4 records

Partnerships

One partnership is on record.

• The Certified Agriculture GroupcoreStrategic or Co-development PartnerProGuard Warranty partnered with The Certified Agriculture Group to create the CADProtect truck protection plan. This is the only vehicle protection plan endorsed by The Certified Agriculture Group to meet the specific needs of America's agriculture industry, including coverage for vehicles up to 19,500 pounds GVW used in farming and ranching operations.

Scale indicators3 records

Recent moves6 records

Expansion highlights5 records

Broad incumbents

• Assurant: Assurant is a large, publicly traded provider of vehicle service contracts and F&I products distributed through U.S. dealer networks. Highly comparable to Proguard on channel (dealer) and product category (VSCs), but operates at much larger scale and across broader protection lines.
• Allstate Dealer Services: Allstate's Dealer Services unit distributes mechanical breakdown insurance and protection products through U.S. franchised dealer networks. Comparable to Proguard on product (MBI/VSC) and channel (dealer), though Allstate operates a much broader insurance portfolio.
• Zurich North America: Zurich underwrites and administers extended warranty and dealer-distributed protection products in the U.S. as part of a global P&C insurance portfolio. Comparable to Proguard on product (mechanical breakdown/VSC) and channel (dealer), with much broader geographic and product reach.

Direct peers

• Endurance Warranty: Endurance is one of the largest U.S. providers of extended vehicle service contracts and mechanical breakdown insurance, selling direct-to-consumer and through dealer partners. Directly comparable to Proguard on product (multi-tier VSCs) and customer (U.S. vehicle owners seeking protection beyond factory warranty).
• CARCHEX: CARCHEX is an established U.S. extended auto warranty provider selling direct-to-consumer with multi-tier coverage options. Comparable to Proguard in product portfolio breadth and customer segment (used vehicle owners), differing primarily in distribution model.
• Easycare (Dealer Tire): Easycare, part of Dealer Tire, sells extended vehicle service contracts and protection products primarily through U.S. franchised dealer networks. Directly comparable to Proguard on dealer-channel distribution and VSC product offering.
• Ally Premier Protection: Ally Financial offers extended vehicle protection plans marketed through its auto financing relationships and dealer network. Comparable to Proguard on dealer-channel VSC distribution and on the ability to integrate plan cost into vehicle financing.
• MAPFRE Warranty: MAPFRE Warranty is a U.S. provider of extended vehicle service contracts distributed through franchised and independent dealers. Directly comparable to Proguard on dealer-channel VSC administration and tiered product structure.
• CarShield: CarShield is a major direct-to-consumer extended vehicle warranty provider offering multi-tier coverage (powertrain through exclusionary). Highly comparable to Proguard on product structure and end-customer value proposition, though it competes via a D2C model rather than dealer channel.

Emerging players

• ForeverCar: ForeverCar is a digital-first extended auto warranty provider with a streamlined online purchase flow. Comparable to Proguard on product (multi-tier VSC) and end customer (used-vehicle owners), but differentiates through a direct-to-consumer digital channel rather than dealer distribution.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/proguard-warranty-inc.
• Facebookfacebook.com/ProGuardWarranty

Compliance1 record

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 Proguard Automotive