Millennium Auto Protection: Reviews, Cost and More

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Endurance
4.6
Industry Standing: 4.4/5.0
Coverage: 4.9/5.0
Affordability: 4.5/5.0
Transparency: 5.0/5.0
Customer Service: 4.4/5.0
idée We recommend Endurance as the best warranty provider
  • Best Overall
  • Coverage Plans: 6 options plus maintenance plan
  • Odometer Limit: Unlimited mileage
  • Free Cancellation: 30-day money-back guarantee
  • Longest Term: 8 years of coverage
  • Discounts: $300 same-day signup discount, $250 shopping voucher, and others
Plan coverage includes Endurance Elite perks™
Factory-level bumper-to-bumper plan Free membership for first year
Multiple powertrain/mid-level choices $500 collision discount
Scheduled maintenance coverage Tire repair or replacement
24/7 emergency roadside assistance Total loss protection up to $1,000
Trip interruption reimbursement Key fob replacement and repair
Rental vehicle coverage Endurance mobile app
Towing allowance $250 credit with shopping or dining partners

Millennium Auto Protection vehicle service contracts are sold by Innovative Aftermarket Systems (IAS) through participating dealerships across the U.S. In fact, you may have been offered a brochure on the company the last time you shopped for a new vehicle. These brochures make Millennium Auto Protection contracts seem valuable, but are they really worth the money?

While there is not much information about Millennium Auto Protection available online, our research team has investigated these contracts by reading customer reviews and researching cost information. We’ve also looked into the best extended car warranty companies, and we’ll show you how Millennium Auto Protection stacks up against the competition.

If you’re shopping for an extended car warranty, start by comparing free quotes from top providers.

Is a Millennium Auto Protection Extended Warranty Worth It?

IAS was founded in 1984, specializing in aftermarket vehicle care and insurance solutions. The company has offered the Millennium Automotive Protection Plan since 1999. IAS also sells extended car warranty contracts under the names First Centennial, Advance Plus and Auto Advance.

Overall Star Rating5.0 out of 10.0
Reputation5.0 out of 10.0
CoverageSee dealership
PriceSee dealership
Customer Experience5.0 out of 10.0

Is it worth it? We think there are more reputable providers on the market.

Millennium Auto Protection Extended Warranty Coverage

There is little information about Millennium Auto Protection vehicle service contracts (VSCs) online. These contracts are sold exclusively through participating dealerships, and coverage details will likely vary depending on your location.

Typical vehicle service contracts promise to pay for the cost of parts and labor for a selection of covered components in the event of a mechanical breakdown.

According to IAS, Millennium Auto Protection VSCs offer customization and flexibility. They are “designed for franchise dealers expecting maximum VSC retail profit, reinsurance profits, and unconditional customer satisfaction.” Let’s take a closer look at how much you may pay for Millennium Auto Protection.

Cost of a Millenium Auto Protection Extended Warranty

The cost of a Millenium Auto Protection vehicle service contract will be set by your selling dealership, so it may be subject to dealer markups. Contract costs also fluctuate based on:

  • Location
  • Coverage level
  • Contract length
  • Deductible
  • Vehicle make, model, age and mileage

We were able to find a customer who reported paying $2,271 to cover a 2018 Hyundai Elantra. We cannot fully assess this price without more details such as coverage level or contract term length. However, this price falls within industry standards for most extended warranties, which typically range from $1,700 to $4,000 depending on the factors mentioned above.

How to Get a Quote and File a Claim

IAS does not make contract details readily available, as they most likely differ from dealership to dealership. By reading customer reviews, we are able to gather that contracts are transferable for a $50 fee. Typically, extended service plans work as follows:

  1. You purchase a plan at a dealership, online or over the phone.
  2. When your vehicle breaks down, you take it to a licensed repair facility or dealership.
  3. A mechanic performs a diagnostic and finds the cause of your breakdown.
  4. You or your mechanic contacts your extended warranty provider to confirm whether the breakdown is covered, find out if your claim is approved and authorize repairs.
  5. If your claim is approved and repairs are authorized, the mechanic will fix your vehicle.
  6. You’ll pay your deductible and the warranty provider will handle the rest of the repair bill, or you’ll pay the full repair bill and your provider will reimburse you.

One important detail noted by many customers is that Millennium Auto Protection warranties work on a reimbursement basis. Most reputable extended car warranty companies pay repair facilities directly for approved claims. It seems that IAS requires customers to pay for repair costs themselves, then issues a reimbursement.

Millennium Auto Protection Extended Warranty Reviews

Innovative Aftermarket Systems, which issues Millennium Auto Protection contracts, is accredited by the Better Business Bureau (BBB), has a B+ rating and has received about 80 complaints in the past three years.

It also has just under a 2.5-star customer rating on its BBB profile. A mix of positive and negative reviews is typical for any auto warranty company. In the case of IAS, some customers have reported a fast and easy claims assistance process, but others have complained about claims denial and poor coverage.

Endurance
4.6
Industry Standing: 4.4/5.0
Coverage: 4.9/5.0
Affordability: 4.5/5.0
Transparency: 5.0/5.0
Customer Service: 4.4/5.0
idée We recommend Endurance as the best warranty provider
  • Best Overall
  • Coverage Plans: 6 options plus maintenance plan
  • Odometer Limit: Unlimited mileage
  • Free Cancellation: 30-day money-back guarantee
  • Longest Term: 8 years of coverage
  • Discounts: $300 same-day signup discount, $250 shopping voucher, and others
Plan coverage includes Endurance Elite perks™
Factory-level bumper-to-bumper plan Free membership for first year
Multiple powertrain/mid-level choices $500 collision discount
Scheduled maintenance coverage Tire repair or replacement
24/7 emergency roadside assistance Total loss protection up to $1,000
Trip interruption reimbursement Key fob replacement and repair
Rental vehicle coverage Endurance mobile app
Towing allowance $250 credit with shopping or dining partners

Our Verdict on Millennium Auto Protection: 5.0 / 10.0

There is not much information about Millennium Auto Protection available online. This does not mean that these contracts are poor, but rather that quality may vary from dealership to dealership.

It could be worth considering a Millennium Auto Protection contract if your dealership offers it, but if you read your contract and find that you’ll be reimbursed for repairs instead of IAS paying the repair facility directly, we recommend considering a different provider.

Our Picks for Best Extended Car Warranties

Not all extended auto warranty providers sell plans exclusively through dealerships. Many aftermarket car warranty companies have better-established reputations and superior customer reviews over Millennium Auto Protection. Two providers that we recommend readers look into are CARCHEX and CarShield.

CARCHEX: Best Reputation

CARCHEX warranty contracts are available with terms up to 10 years or 250,000 miles. The company has some of the best-priced coverage for older vehicles.

Our review team reached out for quotes for CARCHEX’s Titanium plan, which offers similar coverage to a factory bumper-to-bumper warranty. For a 2021 Jeep Cherokee with 42,000 miles, we were offered the following terms:

  • Term length: Unlimited/month-to-month
  • Financing: $149.99 per month
  • Deductible: $200.00
  • Price per year of coverage: $1,319.88

CARCHEX reviews indicate that the company has a reliable history of paying customer claims. The business is accredited and holds an A+ rating from the BBB.

CarShield: Affordable Monthly Payments

CarShield offers some of the lowest-cost options among top extended warranty providers. We asked CarShield for a quote for its highest level of coverage, called the Diamond plan, for a 2021 Jeep Cherokee with 42,000 miles and were offered the following terms:

  • Term length: Unlimited/month-to-month
  • Financing: $149.99 per month
  • Deductible: $200.00
  • Price per year of coverage: $1,439.99

Our Methodology

Our expert review team takes satisfaction in providing accurate and unbiased information. We identified the following rating categories based on consumer survey data and conducted extensive research to formulate rankings of the best extended auto warranty providers.

  • Industry Standing: Our team considers Better Business Bureau (BBB) ratings, availability, and years in business when giving this score.
  • Coverage: Because each consumer has unique needs, it’s essential that a car warranty company offers an array of coverage options. We take into account the number of plans offered by each provider, term limits, exclusions, and additional benefits.
  • Affordability: A variety of factors influence cost, so it can be difficult to compare quotes between providers. Our team performs ongoing secret shopper analyses for different vehicles, mileages, warranty plans, and locations to give this rating.
  • Customer Service: Reputable extended car warranty companies operate with a certain degree of care for consumers. We take into account customer reviews, BBB complaints, and the responsiveness of the customer service team.

*Data accurate at time of publication.