American Guardian Life Insurance Company

American Guardian Warranty Services is a leading supplier of vehicle maintenance, limited warranties and a growing range of consumer and aftermarket products in the United States. Founded in 1988 and headquartered in Chicago, Illinois. The guarantee company has set itself the goal of delivering outstanding collections, excellent customer service. All insurance schemes are guaranteed with “A” or “A-” ratings.


Types of insurance offered by American Guardian Warranty Services


American Guardian Warranty Services provides a variety of insurance policies that offer additional benefits. The company offers insurance coverage on auto, cars, recreational vehicles, appearance protection, power sports, marine, heavy-duty trucks and buses. All the insurance schemes are reasonable and offer great bonuses.

American auto guardian

American Auto Guardian Warranty services offered auto insurance on new, used, and certified pre-owned vehicles. The insurance company provides unique and defined services to qualified vehicles with a long list of protected components through Compass automotive service contracts.

Compass Protection plan

The protection plan is offered on three levels. Bronze, Silver and Platinum/Platinum II/Platinum Wrap.

Bronze Level

  1. For vehicles running 100,000 miles, enhanced technology is available.
  2. The hybrid and the alternative battery are available as a backup.
  3. In the Bronze level the following components are covered:-
  • Engine
  • Transmission
  • Drive axle
  • Air conditioning
  • Electrical
  • Taxes & fluids

Silver Level

  1. For vehicles running 100,000 miles, enhanced technology, convenience, and enhanced safety is available.
  2. The hybrid and the alternative battery are available as a backup.
  3. In Silver level the following components are covered:-
  • Engine
  • Transmission
  • Drive axle
  • Air conditioning
  • Electrical
  • Taxes & fluids
  • Engine cooling
  • Engine fuel
  • Front suspension
  • Steering
  • Brakes
  • Extended drivetrain
  • Extended air conditioning
  • Extended electrical
  • Seals & gaskets

Platinum/Platinum II/Platinum Wrap Level

  1. For vehicles running 100,000 miles, enhanced technology, convenience, and enhanced safety is available.
  2. The hybrid and the alternative battery are available as a backup.
  3. For this level Lighting package and snow plow are also included as an add on.
  4. In Platinum, Platinum II and Platinum Wrap level the following components are covered:-
  • Engine
  • Transmission
  • Drive axle
  • Air conditioning
  • Electrical
  • Taxes & fluids
  • Engine cooling
  • Engine fuel
  • Front suspension
  • Steering
  • Brakes
  • Extended drivetrain
  • Extended air conditioning
  • Extended electrical
  • Seals & gaskets
  • Emissions

Benefits of Protection plan

  1. Roadside Assistance 
  • Towing, jump start, flat tire change, lock-out service, and emergency gas & fluid delivery.  This benefit is available for Bronze, Silver and Platinum, Platinum II and Platinum Wrap level.
  1. Reimbursement on car rental
  •  $35 per day is reimbursed for 5 days. The total must not exceed $175. This benefit is available for Bronze, Silver and Platinum, Platinum II and Platinum Wrap level.
  1. Trip Interruption Assistance
  • $75 per day is reimbursed for 3 days. The total must not exceed $225. This benefit is available for Silver and Platinum, Platinum II and Platinum Wrap level.

Compass Platinum Plus

  • An exclusionary level of coverage is offered under this platinum plus plan. Under this plan no value is deductible.
  • The coverage offered for the following components:-
  • Brake Pads
  • Battery
  • Headlamps
  • Belts & Hoses
  • Windshield Wiper Blades
  • Electrical
  • Wheel Alignment
  • Diagnostics
  • Related Damages
  • Fluid Coverage

Compass Basic Plan

  1. For this plan, the policyholder needs to pay $100 per visit.
  2. Components coverage
  • Engine and water pump
  • Transmission
  • Transfer case
  • Drive axle
  • Taxes and fluids
  1. Optional coverage 
  • Seals and gaskets
  • Commercial use
  • Modified vehicle
  • Air conditioning
  • Electrical
  • Day One coverage.

Benefits of the Basic plan

  1. Road Assistance 
  • Flat tire service
  • Emergency fluid
  • Fuel delivery 
  • Battery service
  • Lock-out assistance
  • Towing facility

Compass Advantage Plan

Compass Advantage Plan offers coverage in four tiers. To maximize consumer satisfaction, the American Auto Guardian Ultimate Coverage team offers all the marketing materials as per dealer branded.

  1. Lifetime Engine

         In this plan following components are covered

  • Engine
  • Seals and gaskets
  • Taxes and fluids.
  1. Lifetime Powertrain Limited Warranty 

         In this plan following components are covered

  • Engine
  • Transmission 
  • Drive axle
  • Seals and gaskets
  • Taxes and fluids.
  1. 10 Years and 200,000 Miles Powertrain Limited Warranty 

In this plan following components are covered

  • Engine
  • Transmission 
  • Drive axle
  • Seals and gaskets
  • Taxes and fluids.
  1. Platinum Wrap 

It is considered as an exclusionary plan. All the mechanical repairs costs are covered. 

Exemption- All the vehicles which are listed under Exclusions are not covered in this Platinum Wrap plan.

Benefits

  • Towing facility is offered, up to $100 is reimbursed per event.

Your Plan

  1. This plan is offered to those passengers who don’t have any coverage plan. 
  2. It is a basic plan and you just need to scan VIN for securing instant quotes.
  3. To entitle with Your plan, the model of your vehicle needs to be within 7 years and covers up to 80000 miles.

Benefits

  • It can be performed on a personal device.
  • This app is compatible with both iOS and Android.
  • 24 X 7 assistance.

Recreational Vehicles

All the recreational vehicles are covered, including motorhome and towable. American Guardian Warranty Services provides coverage on stock and utility trailers for both single-axle and multi-axle vehicles.

Motorhome Coverage

1- In motorhome coverage, all the coach or Living System components are covered. Under Motorhome coverage the company offers coverage on frame, interior, exterior, seals, gaskets, lubricants, and many more products which are related to the living system.

1- Propane and heating equipment are also covered in the motorhome coverage. You do not need to buy a separate plan for your refrigerator and freezer equipment as this all equipment will also be covered in Motorhome Coverage plan.

All the components are covered in two plans: Gold and Platinum plan.

  1. Gold Plan
  • Coach or Living System
  • Engine
  • Transmission part
  • Drive axle
  • Suspension part 
  • Steering
  • Air conditioner
  • Heating and cooling 
  • Fuel delivery
  • Brakes
  • Electrical
  • Electronic technology
  1. Platinum Plan

It is considered as an exclusionary plan. All the mechanical repairs costs are covered except which are listed under Exclusions.

Benefits 

  • Road Assistance: Towing facility is available for both plans.

Towable Coverage

The towable coverage is offered through two plans and both the plans are cost effective. 

  1. Gold Plan
  • Coach or Living System
  • Engine
  • Transmission part
  • Drive axle
  • Suspension part 
  • Steering
  • Air conditioner
  • Heating and cooling 
  • Fuel delivery
  • Brakes
  • Electrical
  • Electronic technology
  1. Platinum Plan

It is considered as an exclusionary plan. All the mechanical repairs costs are covered except which are listed under Exclusions.

Benefits 

  • Road Assistance: Towing facility is available for both the gold plan and platinum plan.

Stock and Utility Trailer American Guardian Warranty Coverage Plan

  1. The policyholder requires paying $50, $100, and $200 as per the available options.
  2. In Stock & Utility Trailer Coverage following system and components are covered: 
  • Brake system
  • Suspension system
  • Trailer jacks & landing gear
  • Electrical
  • Seals & gaskets
  • Taxes
  • Fluids
  • Lubricants
  1. This plan offers coverage on wear and tear of components too.
  2. Optional Coverage offered on below-mentioned systems and components:
  • Freshwater systems
  • Modified deductible
  • Commercial use
  • Auxiliary power plant/generator
  • Air conditioning unit
  • Airbag suspension
  • Day-one coverage
  • Towing
  • Post-sale delivery

HEAVY TRUCK AND BUS

American Auto Guardian Warranty Services offers coverage on heavy trucks and buses. The insurance company offers incredible deals to these vehicles. These heavy trucks and buses need more care as they are used for delivering commodities and passengers.

MARINE

The compass Marine coverage plan offers coverage on all types of watercraft including- Inboard or an outboard, ski boat or cruiser. This plan also offers coverage on the inboard sterndrive and outboard direct injected watercraft.

Parts covered on Inboard and SternDrive 

  • Engine
  • Transmission
  • Ignition
  • V-drive
  • Sterndrive upper gear case
  • Sterndrive lower unit

This plan offers coverage on systems related to cooling equipment and electrical parts. Such like:-

  • Controls
  • Hydraulic steering
  • Power trim
  • Power steering

The American Guardian Warranty Services will offer you fuel delivery, but you need to pay the fuel price at the time of delivery.

Parts covered on Outboard and Direct Injected 

  • Engine
  • Lower unit
  • Power trim
  • Controls
  • Mechanical steering
  • Hydraulic steering 
  • Oil injection systems
  • EFI and DFI components
  • Jet drive
  • Ignition
  • Fuel delivery
  • Electrical

Fees charged

  • For the new watercraft the $25 is charged as service fees.
  • For the old watercraft the $100 is charged as service fees.

For new watercraft, a consequential damage waiver package is offered by the insurance company.

POWERSPORTS

Working with Powersports enthusiastic American Guardian Warranty Services had prepared a coverage plan on all the new and used Powersports vehicles.

Powersports Coverage

1- Under Powersports Coverage Gold plan the company offers coverage on the components of Motorcycle, ATV and various types of Scooter.

2- Following are the components which are covered under Powersports Coverage Gold Plan:-

  1. Engine
  2. Water pump
  3. Supercharger
  4. Turbo charger
  5. Transmission
  6. Primary drive
  7. Front suspension and rear suspension
  8. Steering
  9. Drive axle assembly
  10. Brakes and anti-lock brakes 

3- The Powersports Coverage gold plan also offers coverage on components like electrical parts, gauges parts and fuel system with seals and gaskets.

APPEARANCE PROTECTION

The American Guardian Warranty Services offers insurance plans for the interior and exterior parts of vehicles. Now with APPEARANCE PROTECTION plan save the exterior and interior of your vehicle for many more decades. Repair your vehicle dent and don’t pay for it. This plan offers protection on windshield repair, cosmetic wheel repair, Dent and Ding.

American Guardian Warranty Services Claim Methods

For reporting claims, the policyholder has multiple options to choose from. All the claim process are discussed below:

1- Online Claim Method 

  1. Visit the official page of the American Auto Guardian Warranty.
  2. Click on login and use the user credentials to complete the login process.
  3. Go to file a claim option.
  4. Click on File A Claim option and select the type.
  5. Now fill the claim form by entering details about the claim, contact details, fill the contract details and uploading documents for proof.
  6. Submit the claim form and note down the request number.

2- Report claim through the customer support team

If you wish to report your claim offline, you can do it by contacting the customer support team. Deposit all the necessary claim documents such as-  Repair or Maintenance bill, claim number, and policy number.

3- At the American Auto Guardian Claims center

Now you can reimburse all your expenses at the American Auto Guardian Claims center. The claim process is simple and the claim can be processed within the same day of request.

4- By calling on the American Auto Guardian Phone Number

  1. For connecting to the claiming team, call on the American Auto Guardian Phone Number.
  2. Pick the language and type the policy number to validate your identification.
  3. After verified validation, you will be connected to the claim department.
  4. Ask the investigator to complete the claim request process.
  5. For the documentation process, use your repair receipt and submit it with contract paper.
  6. Note down the claim number for future tracking.

The claim department is open from 8:00 am – 6:00 pm CT, from Monday to  Friday.

What are the documents required in the reimbursement process? 

  1. The Agreement paper.
  2. Claim authorization number.
  3. Invoice and receipts indicating repair, replacement and tread depth.

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  • Jacqueline Foley-starkweather says:

    We have a warranty through America Guardian for

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