Protection for real life.
We built Overdrive for the everyday driver — coverage that makes sense before you ever need it.
The everyday driver. The everyday vehicle.
We built Overdrive for the everyday driver — and for the higher-mileage, economical vehicles that other plans pass on. We cover vehicles up to 500,000 miles on lower tiers, and up to 150,000 miles on Platinum, depending on the vehicle.
Choose your level of protection.
Three tiers, each with a published dollar limit on every covered part — so you always know what's covered.
- Engine
- Transmission
- Transfer Case
- Drive Axle
- Turbo / Supercharger
- Hybrid / EV Vehicle
- Everything in Silver
- Cooling & Fuel Systems
- Steering & Brakes
- Suspension & A/C
- Enhanced Electrical
- Technology Package
- Everything in Gold
- Full Electrical System
- No cap on any covered part
- Near factory-equivalent coverage
This page is a summary, not a contract. Ask your dealer for the complete, vehicle-specific component list.
We show our work.
Clear price. Clear coverage. Clear limits. Every number below is part of your actual contract — not fine print you have to hunt for.
Priced by Autto Pascal
Most contracts price a vehicle using 5 to 7 broad risk categories. Autto Pascal, our proprietary pricing technology, rates every vehicle across far more categories than that — which is exactly what makes Overdrive's higher-mileage coverage possible in the first place.
Built for your exact vehicle
Pascal prices the vehicle in front of you, not a rough category it happens to fall into.
Makes higher-mileage coverage possible
That precision is why Overdrive can responsibly cover vehicles other flat-rate contracts price out of.
Keeps pricing fair, not padded
You're not subsidizing risk that has nothing to do with your specific vehicle.
Real people. Clear answers.
Founded in 2017, Autto set out to fix what's broken about vehicle protection: contracts nobody reads, claims nobody explains, and coverage that quietly does less than it promised. We're in the approval business — when a covered claim comes in, our team looks for the responsible way to help, not a reason to say no.
"Over-promise, under-deliver is the industry standard. We're here to flip that script — permanently." — Micah Robinson, Founder & CEO
Overdrive and Premier.
Both are fully sellable Autto plans. The right fit depends on the vehicle — higher-mileage and everyday, or late-model and lower-mileage.
| Overdrive | Premier | |
|---|---|---|
| Core Positioning | Protection for real life — built for the everyday driver. | Built for larger banks and franchise dealers — near-factory-equivalent coverage. |
| Coverage Structure | Component-capped — a published dollar limit on every covered part, Silver through Platinum. | System-based — if it's on the covered list, it's protected under the package aggregate limit. |
| Mileage | Up to 500,000 mi on lower tiers; Platinum varies by risk class — up to 150,000 mi depending on the vehicle. | Best suited to late-model, lower-mileage vehicles. |
| Platinum Ceiling | No cap on any individual component — near factory-equivalent, subject to a $10,000 lifetime aggregate. | 1:1 Factory-Equivalent Match — mirrors the original factory warranty, no per-component cap. |
| Best Fit For | Higher-mileage, economical vehicles — an easy, transparent, dollar-for-dollar conversation. | Late-model, lower-mileage vehicles — the broadest possible system coverage. |
Same promise behind both: real people, clear answers, and a team that looks for ways to help.
Add-ons for your vehicle.
Day-1 Coverage Waiver
Coverage begins the day your contract is purchased.
$0 Deductible
Removes the standard deductible entirely.
Hi-Tech Package
Covers navigation, parking sensors, audio and video systems.
Premium Maintenance
Broader routine maintenance coverage.
Convenience Package
Bundles our most popular add-ons at a better rate.
EV / Hybrid Battery Rider
Covers the high-voltage drive battery. Required on EVs.
Filing a claim is simple.
Call before repairs begin
Call us for pre-authorization — a real person walks you through it.
Bring it to a licensed facility
Any licensed repair facility can handle a covered repair once it's approved.
We pay the shop directly
No reimbursement paperwork — we pay the covered amount straight to the repair facility.
Good to know.
Is my vehicle eligible?
Most likely, yes. We cover vehicles up to 500,000 miles on lower tiers, and up to 150,000 miles on Platinum, depending on the vehicle. Ask your dealer to check your specific vehicle.
What's not covered?
Routine maintenance items like oil changes, filters, and brake pads aren't covered, along with body and appearance items. Maintenance Coverage is available as an add-on if you want that included.
How is this different from other extended warranties?
We publish a dollar limit on every covered part, so you know exactly what's covered before you ever need to use it. And when you do need us, real people walk you through the process — we pay the repair shop directly.
What if I'm traveling out of state?
Your coverage travels with you. Any licensed repair facility can handle a covered repair once it's been approved, wherever you are.
Can I choose Overdrive or Premier?
Your dealer can help you decide. Overdrive is built for higher-mileage, everyday vehicles; Premier is built for late-model, lower-mileage vehicles with maximum coverage. Ask which one fits your vehicle.
Shift Into Overdrive now.
Need to use this coverage?
Call us or file online — our average claim time is under two hours.
This page is a summary of available coverages and is not a contract. Coverages may vary by seller. Refer to the actual service contract for complete terms, conditions, and coverage details.