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Coverage Compared
Ally Premier Protection: the published terms, field by field
Every scored field for Ally Premier Protection as the company prints it, the page each fact was read on, and the score out of 100 with its arithmetic.
Facts read 2026-10-18
Company site: https://www.ally.com/auto/vehicle-protection/
The printed terms
Role, as the company describes itselfdirectsource: https://www.ally.com/auto/vehicle-protection/service-contracts/
Legal entityAlly Financial Inc.source: https://www.ally.com/auto/vehicle-protection/service-contracts/
HeadquartersDetroit, MIsource: https://www.ally.com/auto/vehicle-protection/service-contracts/
Money-back period60 dayssource: https://www.ally.com/auto/vehicle-protection/claims-support/
Waiting periodNo waiting periodsource: https://www.ally.com/content/dam/pdf/auto/ally-premier-protection-contract-registration-sample.pdf
Lowest deductible printed$0source: https://www.ally.com/content/dam/pdf/auto/ally-premier-protection-contract-registration-sample.pdf
Deductible options printed$0, $100, $200 or $500, or a $250 disappearing deductible waived at the selling dealersource: https://www.ally.com/content/dam/pdf/auto/ally-premier-protection-contract-registration-sample.pdf
$0 deductible optionYessource: https://www.ally.com/content/dam/pdf/auto/ally-premier-protection-contract-registration-sample.pdf
Sample contract online, no contact details askedYessource: https://www.ally.com/auto/vehicle-protection/service-contracts/source: https://www.ally.com/content/dam/pdf/auto/ally-premier-protection-contract-registration-sample.pdf
Price online without a phone callNo (not found on the pages read)source: https://www.ally.com/auto/vehicle-protection/service-contracts/
Deductible and waiting period both printedYessource: https://www.ally.com/content/dam/pdf/auto/ally-premier-protection-contract-registration-sample.pdf
Vehicle age limit at purchasenot published
Mileage limit at purchasenot published
Accepts vehicles past 100,000 milesnot published
Transferable to a new ownerYessource: https://www.ally.com/auto/vehicle-protection/claims-support/ ; https://www.ally.com/content/dam/pdf/auto/ally-premier-protection-contract-registration-sample.pdf
Refund of unused share after coverage startsYessource: https://www.ally.com/auto/vehicle-protection/claims-support/ ; https://www.ally.com/content/dam/pdf/auto/ally-premier-protection-contract-registration-sample.pdf
Sold in CA, NY, WA, MA, FLNY yes; FL yessource: https://www.ally.com/content/dam/pdf/auto/ally-premier-protection-contract-registration-sample.pdfsource: https://www.ally.com/auto/vehicle-protection/service-contracts/
States excludednot published
Texas rosterListedsource: https://data.texas.gov/resource/7358-krk7.json
Minnesota rosterListedsource: https://mn.gov/commerce/licensing/license-lookup/
New York rosterListedsource: https://myportal.dfs.ny.gov/web/guest-applications/service-contract-providers
Nevada rosterListedsource: https://doi.nv.gov/Consumers/Service_Contract_Provider_Contact_Map
Legal entity printed on its siteYessource: https://www.ally.com/auto/vehicle-protection/service-contracts/
Obligor namedUniversal Warranty Corporation (FL: MIC Property and Casualty Insurance Corporation or Motors Insurance Corporation)source: https://www.ally.com/auto/vehicle-protection/service-contracts/source: https://www.ally.com/auto/vehicle-protection/service-contracts/ ; https://www.ally.com/content/dam/pdf/auto/ally-premier-protection-contract-registration-sample.pdf
Backing insurer namedMIC Property and Casualty Insurance Corporationsource: https://www.ally.com/content/dam/pdf/auto/ally-premier-protection-contract-registration-sample.pdf
Founding year on its own sitenot published
Government actions, last five yearsNone found on .gov pagessource: not recorded in the provider file
The score
| Part | Field | Points |
|---|---|---|
| A | Sample contract online | 15 of 15 |
| A | Price online without a call | 0 of 10 |
| A | Deductible and waiting period printed | 5 of 5 |
| B | Money-back period | 12 of 12 |
| B | Waiting period | 8 of 8 |
| B | Transferable | 5 of 5 |
| B | $0 deductible option | 5 of 5 |
| B | Refund of unused share | 5 of 5 |
| C | State rosters (4 of 4) | 12 of 12 |
| C | Legal entity printed | 5 of 5 |
| C | Obligor named | 8 of 8 |
| D | Government actions, five years | 10 of 10 |
A transparency 20 + B terms 35 + C standing 25 + D record 10 = 90 of 100 90 / 20 = 4.5 of 5
Fields that are not published score zero. A roster "not found" means the selling name was not on that state's list; the company may be registered under another name. The full rules.