Vehicle Protection Plans

Shield yourself from auto repair costs
VPP from Mountain America is an easy and affordable way to get extended warranty coverage on your vehicle.

Pay for repairs with VPP

You don’t need a new car to get new car peace of mind. With Mountain America’s vehicle protection plans (VPP)*, you can protect yourself against expensive mechanical breakdown or electrical repairs even after your vehicle’s basic warranty coverage has expired. VPP also provides comprehensive roadside assistance, nationwide coverage and the flexibility to select a repair shop of your choice.

The average new car is out of warranty in just two and a half years, and as time goes on, the likelihood of mechanical failure on your vehicle is inevitable. Advanced electronics, complex systems and increasing labor fees mean repairs may cost you thousands. VPP provides additional coverage to help pay for these expenses.

Protect your vehicle today

A vehicle protection plan can be purchased at any time—even if you don’t have a vehicle loan. It can also be financed into a new or existing auto loan from Mountain America. To see if your vehicle qualifies for VPP, call us at 1-800-748-4302.

*VPP is considered insurance coverage in some states. The purchase of VPP is optional. Whether or not you purchase VPP will not affect your application for credit or the terms of any existing credit agreement you have with our institution. There are eligibility requirements, conditions and exclusions that could prevent you from receiving benefits under VPP. You should carefully read the contract for a full explanation of the terms.

Three levels of protection

Our vehicle protection plans provide three levels of coverage. Take a look.
Service Agreements Easy Street Main Street First Street
  Best available Deluxe coverage Basic drivetrain
  6 years old or newer
Under 85,000 miles
10 years old or newer
Under 140,000 miles
Any model year
Any mileage
$5,000 max benefit
Hybrid/lifted OK OK OK
Rebuilt/restored OK OK OK
Enhances manufacturer coverage
Automatic transmission
Standard transmission
Drive axle assembly (2WD)
Drive axle assembly (4WD/AWD)
Repair-related seals/gaskets
Air conditioning
Front suspension
Roadside Assistance
Flat-tire delivery
Fuel & fluid delivery
Lock-out service
Jump starting
Safe & secure package
Labor for all agreements
Trip interruption
Rental car reimbursement $50/day, max $250 $40/day, max $200 $40/day, max $200
Hybrid $160 $160 N/A
Lifted vehicles $200 $200 $200
Diesel engines $1,000 $1,000 N/A
Turbo/supercharged $160 $160 $160
4WD/AWD $85 $85 $85
One ton $200 $200 N/A
Premium vehicles

BMW (1, 3 and 5 Series only), any V10 Mercedes (C & E Class only), Volvo, Mini Cooper, Hummer and Cadillac
$800 $800 N/A

Easy Street

Due to the many components of this coverage, the small number of maintenance items that are not covered are listed below:

  • Tires
  • Wheels
  • Struts 
  • Shocks
  • Brake shoes or pads 
  • Rotors or drums
  • Belts
  • Hoses
  • Lubricants
  • Clutch and pressure plate
  • Clutch release bearing
  • Tune-up items
  • Exhaust or emission parts
  • Wiring harness 
  • Sound reproduction components
  • Telephone
  • Clock
  • Television
  • Navigation equipment
  • Any body parts
  • Interior parts and trim
  • Glass
  • Paint 
  • Airbag system
  • Keyless entry
  • Anti-theft system
  • Collision avoidance
  • Lane departure

Main Street


Radiator, fan clutch, water pump and cooling fan motor.


Timing chain guides, timing belt tensioners, intake manifolds, valve lash adjusters, valve guides, valve spring locks and retainers and harmonic balancer.


Battery reimbursement (up to $65 toward a new battery), engine operation computer, voltage regulator, alternator, front/rear wiper motors, wiper module, window motors, window regulators, seat motors, ignition module, ignition coil, distributor, starter, starter solenoid and door lock actuators and manually operated switches for above-listed parts.


Chain, drum assembly, solenoids, bushings, accumulator, clutches, bands, servos, parking pawl, speedometer gear, transmission cooler and pistons.


Compressor, clutch and coil assembly, evaporator, accumulator and condenser (if factory installed) and evacuation/recharge.



Bonus coverage on vehicles that have 85,000 miles or less on the odometer at the time of purchase. Upper and lower control arms, upper and lower ball joints, steering knuckle, wheel bearings, control arm shaft and bushings.


Power steering pump, electric steering motor, steering gear housing and its internal parts and rack and pinion assembly.


Master cylinder, ABS master cylinder, vacuum booster, wheel cylinders, disc brake calipers, hydraulic lines and fittings. Normal maintenance on brakes is not covered.


Fuel pump, fuel sending unit, fuel tank, fuel injectors and metal fuel lines.

First Street


Water pump (limited to one-half of parts and labor costs).


Crankshaft and bearings, oil pump, oil pump pickup/screen and tube, pistons, piston rings, wrist pins, connecting rods and rod bearings, push rods, rocker arms, rocker arm shaft and hydraulic lifters, intake and exhaust valves, valve springs, cylinder head gaskets. Engine blocks are also covered if mechanical failure was caused by the above-listed parts.


Alternator, starter and voltage regulator (limited to one-half of parts and labor costs).


Transmission parts consisting of: gears, input and output shafts, bearings, front pump, planetary assemblies, transmission case, overdrive carrier, reaction carrier, center support, parking lock actuator, stator and stator shaft, separator plate, pressure regulator valve, dipstick and filler tube, sprags, governor assembly, valve and body torque converter.


Transmission parts consisting of: gears, input and output shafts, bearings, overdrive housing and transmission case if malfunction was caused by listed parts. Clutch plate, pressure plate, flywheel, release and pilot bearings are not included.



Consisting of: drive shaft, ring and pinion gears, pinion bearings, side carrier bearings, carrier assembly, thrust washers, axle and axle bearings, and limited slip clutch pack assembly. Universal and CV joints, except if boot was damaged or missing. Drive axle housing is also covered if damage is caused by failure of listed lubricated parts.


Transfer case including gears, main shaft, drive chain, thrust washer and shims, bearings. Front drive shaft, differential, axles, U-joints and CV joints, except if boot was damaged or missing. With applicable surcharge.


Seals and gaskets are covered in conjunction with the repair of the above-listed components.


Certain high-end vehicles are eligible for coverage only under the First Street service agreement: Audi, Corvette, Land Rover, Saab, Jaguar, Porsche, BMW (6, 7, 8, X, Z, or M Series), Mercedes (except C and E Class), any Mercedes AMG Series, all exotics.

60-DAY MONEY-BACK GUARANTEE: Full refund if the warranty is canceled within the first 60 days of the contract. If a claim has been paid, the claim amount will be deducted from the refund. After 60 days, any cancellations will have a prorated refund based on time, mileage and claims. BATTERY REPLACEMENT: Easy Street and Main Street plans allow one battery replacement during the duration of the contract. Route 66 will reimburse the member up to $65 for the battery replacement. RECORDS: Members must perform regular maintenance based off of manufacturer recommendations and keep maintenance records during the duration of the contract. PRE-EXISTING CONDITIONS: Are not covered by the Vehicle Protection Plan. CLAIMS: Members can file a claim at any certified mechanic in the United States or Canada. Route 66 must authorize the repair prior to the start of any work. The member is not responsible for any deductible. Diagnostic fees are not covered. TRANSFERABILITY: Route 66 warranties are fully transferable to a private purchaser. The remaining time and mileage will move to the new owner for an administrative fee of $50. The plan may continue to be transferred until coverage expires. RENTAL CAR: Benefit included when shop repair time is four hours or more.