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FAQs

Have Questions? We’ve Got Answers.

Whether you're exploring coverage options, wondering what’s included, or need help with a claim, you're in the right place. Below you'll find clear, straightforward answers to the most common questions about SPS Protection Plans—so you can buy with confidence and stay protected with ease.

Still need help? Call us at 888-819-8877 to talk to Sierra, our smart assistant available 24/7.

GENERAL COVERAGE & PURCHASING

An extended protection plan (also called a vehicle service contract) helps cover the cost of repairs after your factory warranty expires. SPS offers plans through Endurance, one of the nation’s top-rated providers.
Just enter your vehicle details on our Protection Plans page to compare options, get instant pricing, and check out securely online. All plans include roadside assistance, rental reimbursement, and over $7,000 in bonus benefits.
We cover most vehicles up to 20 model years old with no mileage limits. Plans are available for high-mileage, rebuilt title, hybrid, commercial-use, and luxury vehicles.
No inspection is required—but we recommend one for peace of mind. SPS partners with LemonSquad for discounted, nationwide inspections.
No. Coverage begins after a short waiting period (typically 30 days/1,000 miles), and any issues that existed before that are not covered.
Each plan covers one vehicle. You can purchase additional coverage for any other vehicles you own through SPS.

WHAT’S INCLUDED

All plans include:

  • 24/7 roadside assistance and towing
  • Rental car and trip interruption reimbursement
  • A 30-day money-back guarantee
  • One year of free bonus benefits (see below)

Every SPS protection plan includes one full year of bonus benefits—at no extra cost to you. These added services are designed to protect more than just your vehicle and provide over $7,000 in value:

  • Paintless Dent Repair – Covers minor dings and dents without the need for paint or fillers
  • Windshield Repair – Covers minor chips in your front windshield (up to $2,000)
  • Key Fob Repair or Replacement – Up to $5,000 annually if your key or fob is lost, stolen, or damaged
  • Fully Managed Identity Theft Recovery – Provided by DefendID, includes expert support and up to $25,000 in expense reimbursement

These benefits come at no additional cost when you buy your Endurance protection plan through SPS.

* Eligibility: Current model year plus 21 prior model years, up to 200,000 miles at the time of purchase. Terms and conditions apply.

Yes! You can upgrade to the Smart AutoCare PREMIUM plan for even more protection beyond the free CHOICE plan.

The PREMIUM upgrade includes:

  • All CHOICE benefits, plus:
  • Tire & Wheel Protection – Covers damage from road hazards like potholes, nails, or debris

Optional Upgrades (only available with the PREMIUM plan):

  • Windshield Replacement & Calibration
  • OEM Glass Coverage
  • Cosmetic Wheel Repair – Covers curb damage to your wheels

These premium upgrades are not available with the complimentary CHOICE plan.

CLAIMS & SERVICE

Take your vehicle to any licensed repair facility. Ask the service manager to call Endurance at (877) 302-6721 for pre-approval before repairs begin.

Once your claim is approved, Endurance pays the shop directly. You only cover your deductible.

You can use any ASE-certified shop nationwide—including dealerships and national chains.
Your contract outlines all covered items. Review it or call Endurance at (877) 302-6721 to confirm before scheduling repairs.
Call (877) 488-2418 for 24/7 roadside help including towing, lockout service, flat tire assistance, jump-starts, and fuel delivery.

PAYMENTS & CANCELLATION

Costs vary by vehicle type, age, mileage, and coverage level. Quotes are instant and tailored to your car—no haggling required.
You can pay in full or choose PayPal Pay Later for flexible options:
  • Pay in 4 (interest-free, every 2 weeks)
  • Monthly financing (up to 24 months, subject to approval)
Yes. Cancel within 30 days for a full refund (no claims filed), or anytime after for a prorated refund.

OTHER COMMON QUESTIONS

Yes, your plan is transferable to the next owner—helping boost resale value. Fees and terms vary by plan.
Buying now can lock in a lower rate and ensure there’s no gap in coverage when your factory warranty ends
When you buy through SPS, you get:
  • The same trusted Endurance plans
  • Transparent, fixed pricing
  • Exclusive bonus benefits (valued at $7,000+)
  • Flexible payments and personal support
  • One-stop claims and service access

Need more help?

Call us at 888-819-8877 and speak with Sierra, our smart assistant for SPS Protection Plans. She’s available anytime and can walk you through common questions, plan details, and next steps.

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