MPP Warranty Overview

The Gist:

• MPP provides numerous warranty options that are highly customizable, in addition to add-on coverages.
• MPP has fairly standard coverage, but it’s not accessible to most drivers because MPP only appears to offer contracts in 10 states.
• If you’re shopping for an extended warranty, it may be better to look at Endurance or Carchex. They have more reviews and are available in nearly all states.

As an extended warranty company that’s been around for a long time, Mechanical Protection Plan^® (MPP) has a relatively low profile. After a thorough review, our research team found MPP warranties standard for the industry, making them a fairly good option for car coverage. We give MPP a rating of 4.0 out of 5.0 stars.

In this article, we take a look at MPP’s coverage options, benefits, and general pros and cons as a warranty company. Our team has put 1,475 hours into researching 45 warranty companies and surveying 2,000 customers to find the best extended car warranty companies. Some of our top choices may be better options than MPP.

Our MPP Warranty Review And Methodology

We give MPP Warranty an overall rating of 4.0 out of 5.0 stars. While the company isn’t perfect, it has a good industry standing, a strong reputation among customers, and many different vehicle service contracts.

MPP’s overall rating is calculated from an aggregation of its ratings in the following categories: reputation, coverage, price, and customer experience.

How We Rated MPP Warranty

To give you the most current information, we update our review standards several times each year. See how MPP scored in each of our review categories below. 

Reputation: 4.0 Stars

MPP gets a good industry rating for a few reasons. The company is accredited by the Better Business Bureau (BBB) and holds an A+ rating from the organization, which means it’s well organized and responds to customer reviews and complaints. It’s also been around since 1979, which means it has over 40 years of experience selling extended service plans.

Its parent company, Old United Casualty Company, is a great casualty insurance provider that has an A score on AM Best. This shows that Old United Casualty (and by extension MPP) is in good financial standing and is able to pay out claims.

Coverage: 4.5 Stars

MPP’s coverage rating is high due to its number of vehicle service contracts. MPP offers several coverage options each for new vehicles, used cars, and certified pre-owned vehicles. There’s also bumper-to-bumper coverage for electric vehicles (EVs).

MPP’s coverage is also highly customizable. It also offers add-on coverages like GAP protection and theft protection. MPP loses a few points from us, though, because its coverage is only available across 10 states, which makes the provider inaccessible for many drivers.

Price: 4.0 Stars

MPP protection plans are purchased through dealerships, so it’s difficult to get cost information. However, most plans include a cost benefit called a disappearing deductible that waives your deductible when you take your vehicle to the selling dealership for covered repairs.

Customer Experience: 4.0 Stars

We give MPP an above-average customer service rating because it has positive customer reviews on the BBB. Granted, it only has about 284 reviews on the platform, and a warranty company its age should have more reviews than that. It also doesn’t have a mobile app, an online chat feature, or a reviews page on Trustpilot. However, many BBB reviews mention MPP’s determination to give them a hassle-free claims process, which points to excellent customer service.

Is An MPP Warranty Worth It?

An MPP car warranty may not be worth it if you’re able to budget for unexpected repairs that can cost $1,000 or more. Considering that even the most dependable cars have repair issues, the question is whether you want to pay for expensive problems as they arise or spread that cost out over many months.

To give you an idea of what you’d have to pay out of pocket for certain part replacements, the table below highlights common vehicle repairs and their costs:

*Replacement price information comes from RepairPal, a repair cost data site.

On the other hand, if you’d have a hard time paying cash for an unexpected emergency expense, an extended car warranty can offer great peace of mind.

Today, you can tailor plans to the type of car you have and your desired budget. If you just want to cover the basic engine and transmission parts, there’s a plan for that. If you want to continue coverage similar to a bumper-to-bumper manufacturer’s warranty, there are options for that as well.

Dealing With Dealerships

In our opinion, MPP is another average option in the market that provides reasonable coverage and service – however, we think there are better options out there. Other companies let you compare plans and get quotes right from your computer at home, but since MPP’s products seem to be sold exclusively through dealerships, the company doesn’t feature an online quote tool.

Customers that received an MPP warranty from a dealer claimed that representatives were pushy and implied financing would be approved faster if they signed up for an extended warranty.

MPP doesn’t control how dealers go about selling its products, but things like this do happen. If you’re shopping for a new or used car, be prepared for the salesperson to offer extra coverage, and be prepared to ask them for more time to review it.

A Menu With Too Many Choices?

One critique we have is that MPP offers so many different options, it’s hard to keep track of plans and figure out what’s covered and when. The MPP website reads like a restaurant menu that has too many choices.

Sample contracts on the website don’t always match the plan comparison pages. Additionally, we had trouble telling the difference between MPP’s certified pre-owned Platinum Wrap and the pre-owned Platinum sample contracts.

It seems like some plans may be re-packaged versions of others with little to no difference. The advantage of this setup for dealers is that they can offer different car buyers warranty products that seem to match their exact situation. Of course, the sample contracts available online may be outdated, incomplete, or incorrect.

MPP Warranty Quick Facts

• Founded: 1979
• Headquarters: Merriam, Kansas
• Coverage options: Platinum, Gold, Silver, Bronze, and more
• Coverage terms: Variable

MPP is a third-party vehicle service contract company that primarily sells plans through dealerships. It has been in business for over 40 years and provides a number of other services in addition to warranties, like GAP insurance, maintenance programs, and paintless dent repair.

Its coverage appears to be available only from dealers in the following states:

• Arizona
• California
• Florida
• Georgia
• Illinois
• Indiana
• Missouri
• Nebraska
• New Mexico
• Texas

Is MPP Warranty Legit?

Yes, MPP is a legitimate warranty company that’s accredited by the BBB and has an A+ rating. All of its plans are serviced by Old United Casualty Company, which is an A rated AM Best insurance company. This means that MPP is in good financial standing to pay out claims. MPP has been a functioning warranty company for decades with great customer reviews.

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MPP Warranty Customer Reviews

MPP has a surprisingly high customer satisfaction rating on the BBB, with 4.1 out of 5.0 stars. It’s generally normal to see much lower customer ratings for warranty companies on the BBB. Satisfied customers of MPP have reported their happiness with MPP’s professionalism and determination to give customers a hassle-free claims experience.

Like all companies, MPP has its complaints. Customers that were dissatisfied with MPP’s service reported long wait times for cars to be fixed and problematic contract term limits. It’s worth noting that many customers that file complaints against warranty companies are often angry about the company not covering something that most warranty providers typically never cover.

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MPP Warranty Coverage

MPP has a number of warranty plans organized by coverage for new cars and coverage for used cars.

MPP Warranty Coverage For New Cars

For new vehicles, MPP offers the Platinum plan and variations of the Platinum plan, each designed to highlight different components or maintenance.

You don’t have to purchase an MPP warranty when you buy your new car, but the start date on the contract will be your car’s in-service date. If the plan overlaps a factory warranty, MPP says the overlap will be factored into the price of your coverage.

MPP Warranty Coverage For Used Cars

Here’s what MPP’s used and certified pre-owned plans look like:

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MPP Care And MPP Club Plus

In addition to extended warranties, MPP has non-warranty options designed to protect your vehicle: MPP Care and MPP Club Plus. These can be added to your contract for more maintenance coverage.

 MPP Care covers oil changes, filter replacements, chassis lubrication, and tire rotations according to the manufacturer’s recommended schedule. Additionally, you can usually have your tires rotated for free by the shop where you purchased them. 

Now, it’s nice to have, but the MPP Care program doesn’t really go above and beyond. Lubricating the chassis mostly applies to older cars, and this might be a place where the company is showing its age . Many modern cars don’t require chassis lube, and some even have sealed Teflon joints. 

It’s not clear how much the Care option adds to the cost of a plan, but it would be worth looking into if you are considering an MPP warranty.

MPP warranty holders also have the option to join MPP Club Plus. This is the same program that comes with the Luxury Plus plan and includes the following:

• 24/7 roadside assistance (includes towing, flat tire, battery, fuel, and lockout services)
• Key repair and replacement assistance
• Emergency message relay
• Trip interruption reimbursement (not available in California and New York)
• Ambulance reimbursement (not available in Georgia, Virginia, and New York)
• Car theft and hit-and-run rewards
• Paintless dent repair
• Replacement tires and wheels due to road hazard
• Windshield repair
• Discounted products through membership

Paintless dent repair removes small dings from sheet metal without altering the finish of your car. Also, windshield repair is limited to small chips and cracks that are only cosmetic.

MPP Warranty Benefits

The only standard perk to an MPP warranty is emergency roadside assistance. It covers up to $100 per occurrence and includes towing, battery jump-start, spare tire installation, fuel delivery, and lockout assistance. It’s a decent roadside assistance program compared to industry average offerings.

The Luxury Plus plan includes the perks associated with Club Plus, but you’d have to add Club Plus onto any other plan separately to enjoy its benefits. Likewise, the maintenance Care option is also an add-on.

Other MPP Warranty Options

MPP’s offerings are not limited to the plans described above. The company also provides GAP coverage, heavy-duty commercial coverage, RV and motorhome coverage, wear coverage for leased vehicles, and theft protection. Theft protection is administered through OnGard or Skylink.

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MPP Warranty Cost

The cost of an extended warranty typically relies on your car’s make, model, age, and mileage. 

Your chosen provider and coverage level also play a part. If your car is an older model, it’s more likely to break down, so an extended warranty will likely be more expensive. Vehicles with more expensive quality car parts will cost more as well.

How Much Does An MPP Warranty Cost?

We don’t have extended warranty quotes from MPP. However, we’ve done hundreds of hours of research in the warranty industry, and can tell you that most vehicle service contracts range between $350 to $700 per year, with total costs ranging between $1,500 and $4,000. 

In an extended warranty survey we conducted in October 2023, the majority of 1,000 respondents reported paying between $1,500 to $3,000. This information applies to many different extended warranty companies, though – not just MPP.  The only way to know for sure how much an MPP extended warranty will cost for you is to get a quote from a local dealership that sells MPP warranties.

Factors That Affect Extended Warranty Costs

How much you pay for an extended car warranty depends on a few key factors, including the following:

• Vehicle type: Luxury cars and high-performance vehicles are the most expensive to cover with an extended warranty.
• Vehicle mileage: Higher-mileage vehicles are more prone to expensive repairs, so you pay more for extended coverage.
• Vehicle age: Older vehicles are more expensive to cover than newer ones.
• Deductible: Choosing a lower deductible will lead to higher payments and vice versa.
• Coverage level: The more parts covered by an extended warranty, the more it will cost.
• Provider: Warranty costs vary from provider to provider. That’s why it pays to compare quotes from multiple companies.

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MPP Car Warranty: Our Take

An MPP warranty can give you what you need for coverage. MPP offers versatile coverage options that are customizable with great add-on plans. Unfortunately, MPP isn’t available in all states, so we recommend companies that are more accessible, like Endurance or Carchex.

Car Warranty Companies Like MPP Warranty

When shopping for extended warranties, the best thing to do is call around and get quotes customized to your specific vehicle. That way, you can compare each company’s prices and get a feel for customer service. We recommend getting free quotes from both Endurance and Carchex.

Endurance: 4.5 Stars

We give Endurance our award for Best Plan Offerings because it features six different coverage tiers with its vehicle service contracts, one of which includes three sub tiers that provide routine maintenance services. Endurance has plans to suit most car owners’ needs. Plus, Endurance is a direct provider of its warranties, which makes the claims process more efficient.

Read more: Endurance Warranty reviews

Carchex: 4.4 Stars

Carchex is a great option for used car coverage – in fact, it won our research team’s High Mileage Limits award for covering vehicles with up to 250,000 miles. The company has been in business for over 20 years, which is longer than many other third-party providers, and has strong customer service. Carchex experts are trained to let you take your time and to help you find the best plan. 

Read more: Carchex reviews
Compare: Endurance vs. Carchex

MPP Warranty Reviews: FAQ

Below are some frequently asked questions about MPP Warranty:

How We Rate Warranty Providers

Our review process aims to deliver consistent and unbiased assessments of extended auto warranty providers. While there are multiple qualities that make a warranty company successful, our review team focuses on those we believe are the most important for consumers:

• Reputation: It’s important that an extended car warranty company is able to meet its claims obligations. Companies with a strong rating from the Better Business Bureau (BBB) and a long history of reliable service score well in this category. We also evaluate the availability and transparency of each company’s contracts, as well as whether each provider offers a money-back guarantee.
• Coverage: Our team of experts looks at the number of extended warranty plans available, as well as term limits, exclusions, and added benefits like roadside assistance. Ratings also take into account the availability of maintenance coverage.
• Price: Cost can be difficult to compare between providers because so many factors impact vehicle service contract pricing. To determine our cost score, we perform a secret shopper analysis for a variety of vehicles and plans and consider available deductibles.
• Customer Experience: We listen to real customer sales calls and comb through reviews on sites like the BBB to learn about customer experiences. Warranty companies with a low volume of complaints score well in this area. We also consider the availability of mobile apps and chat features.

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