Mechanic receiving a sign paperwork from customers for vehicle service

AAA Vehicle Protection Plan

Avoid the high cost of mechanical failures. Your car is an investment and even if you keep it in good condition, you still run the risk of mechanical breakdown. If you plan to own your vehicle beyond the term of your factory warranty, you could face costly repairs without protection. The AAA Vehicle Protection Plan provides premium coverage to protect against unexpected repair costs. Plans and coverage levels are available to meet different needs and budgets. Call 1-800-323-4300 for a FREE quote or additional information!*

 *During normal business hours, call 1-800-323-4300, available Monday-Friday 8am-8pm (EST), Saturday 10am-4pm (EST).

REQUEST A QUOTE 1-800-323-4300 review contracts

Other Automotive Solutions

AAA Members save

AAA Members Save:

  • Reimbursement for rental vehicle charges up to $175, not to exceed $35 per 24-hour period
  • No-Cost Payment Plans – 0% financing for up to 24 months with only 10% down
  • $0 deductible when you use a AAA-Owned Auto Repair facility or $50 at a AAA Approved Auto Repair facility**

PLans Include

All plans also include:    

  • Repair shops paid directly – no paperwork for AAA members***
  • No physical inspection needed to enroll your vehicle (waiting period applies)
  • Your plan is fully transferable upon resale to another party (fees and conditions apply)
  • Wide range of coverage options for new or used vehicles
  • Covers 100% of the diagnostics, labor, and parts cost for all covered repairs on an approved claim. (deductible may apply)

Plan highlights

Highlights Include:****

  • Emergency self-approval (up to $500)
  • Zero Deductible at AAA-Owned Auto Repair Shops
  • FREE One-Time Battery Replacement
  • Trip Interruption Reimbursement
  • Low mileage terms available
  • Three coverage levels available
  • 0% financing for up to 24 months

Vehicle Protection Plans Silver Gold Platinum
ABS System No Yes Yes
Air Conditioning & Heating Yes Yes Yes
Basic Electrical Group Yes Yes Yes
Brake Group No Yes Yes
Cooling System Yes Yes Yes
Drive Axle Group (Front or Rear) Yes Yes Yes
Engine Group (Diesel & Gas) Yes Yes Yes
Power Steering Group No Yes Yes
Rental Car Yes Yes Yes
Seals & Gaskets Yes Yes Yes
Suspension Group No Yes Yes
Taxes & Fluids Yes Yes Yes
Transmission Yes Yes Yes
Turbocharger/Supercharger Yes Yes Yes


All claims must be approved prior to commencement of work. For all contracts purchased between December 31, 2012 and January 31, 2018, please have your repair shop call 888-440-1166. For all contracts purchased on or after February 1, 2018, please have your repair shop call 855-292-9306.

Cancellation Policy:
All cancellation requests take 30 days to process. All applicable refunds will be sent to you directly. Cancellation conditions and rights vary according to state of purchase. If you have any questions, please contact 800-323-4300 and select option #1.


The AAA Vehicle Protection Plan is a vehicle service contract program administered by Accelerated Services International, Inc. through its affiliated company Ownershield, Inc., and backed by Wesco Insurance Company, 59 Maiden Lane, 6th Floor, New York, NY 10038.

For administrative or claims issue contact:

Ownershield Inc.
P.O. Box 852770
Richardson, TX 75085

Zero Percent Financing provided by:
Siuprem Inc.
P.O. Box 105611
Atlanta, GA 30348-5611

**AAA Approved Auto Repair shops are independently owned and operated and are not owned by AAA. These shops must meet certain criteria in order to participate in the AAA Approved Auto Repair Program.

***Authorization required prior to commencement of all repairs.

****Please refer to the AAA Vehicle Extended Service Plan Agreement for details regarding benefit availability, exclusions, conditions and limitations.