Renn Kirby Frederick Auto
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Protect the vehicle you drive home

Service contracts, GAP, theft protection, and prepaid maintenance — explained in plain language before you sign. Se habla español.

Finance & protection · Frederick, MD

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Coverage you can review before F&I, not after

Renn Kirby Frederick Auto offers Ally Premier Protection products so Frederick-area shoppers can plan for repairs, a total-loss gap, theft, and scheduled maintenance — on new and used vehicles, including many hybrids.

These pages summarize brochure-level benefits. Your advisor will walk the Sample Agreement or Coverage Agreement for your VIN, term, and deductible. Buying a protection product is never required to get financing.

Ally Premier Protection: four coverage levels

Watch a short overview of Ally Premier Protection levels — from essential major-component coverage to comprehensive Major Guard and Major Guard Plus with scheduled maintenance. Then jump to the product that matches how you drive.

Video overview of Ally Premier Protection coverage levels. Ask our team which level fits your vehicle and how you use it.

Protection products we can quote

Choose one product or several. We send your request to the dealership CRM so a specialist can follow up with terms for your vehicle.

Most comprehensive service contract

Ally Major Guard

Broad mechanical coverage for gasoline, diesel, and hybrid vehicles (excluding plug-in hybrids). Built for shoppers who want more than a powertrain-only plan.

  • Covered groups include high-tech, steering, electrical, cooling, transmission and drivetrain, suspension, fuel, brakes, engine, and air conditioning (see agreement).
  • 24/7 roadside assistance in the U.S. and Canada: 1-800-631-5590.
  • Trip interruption and alternate transportation benefits when you are away from home.
  • Transferable if you sell the vehicle (see agreement).
  • Cancel within 60 days for a full refund if you have not filed a claim (see agreement).

Best when you want the widest listed component coverage on a gas, diesel, or hybrid (non-PHEV).

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Coverage + scheduled maintenance

Ally Major Guard Plus

Major Guard mechanical coverage plus prepaid scheduled maintenance, a $0 deductible, and lease-friendly terms.

  • Exclusionary-style coverage plus maintenance in one plan (see agreement).
  • $0 deductible on covered repairs.
  • Scheduled maintenance included so oil and filter visits are planned, not surprise bills.
  • Same roadside, trip interruption, and alternate transportation benefits as Major Guard.
  • Transferable; 60-day cancel refund if no claims (see agreement).

Best when you want comprehensive coverage and want maintenance cost locked in — including many leases.

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Core major-component coverage

Ally Essential Guard

Fundamental vehicle service contract coverage on major components, with flexible deductible options — including a disappearing deductible at the selling dealer on eligible plans.

  • Focuses on the major systems most drivers worry about after the factory warranty.
  • Flexible deductible choices so you can trade monthly cost vs. out-of-pocket at the shop.
  • Disappearing deductible option when you return to the selling dealer (see agreement).
  • Ask us how Essential compares to Major Guard for your mileage and how long you will keep the car.

Best when you want solid major-component protection without the broadest Major Guard list.

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Guaranteed Asset Protection

Ally GAP

If the vehicle is totaled or stolen and not recovered, GAP can help cover the difference between your insurance settlement and the remaining loan or lease balance — up to the agreement limits.

  • Available on new and used financed or leased vehicles.
  • Finance terms up to 96 months may be eligible (see agreement).
  • Can include your primary insurance deductible up to $1,000 where allowed.
  • Example from the brochure: $20,000 remaining balance, $16,000 insurance payout — GAP may cover the $4,000 difference (limits and exclusions apply).
  • Learn more at allygap.com, then confirm Maryland terms with our desk.

Best when you have a small down payment, a longer term, or negative equity you do not want left after a total loss.

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Etch or DNA marking · 60-month term

Theft protection

A 60-month theft-protection product for new and used vehicles. If the vehicle is stolen and not recovered within 30 days, you may receive a benefit of up to $2,500 or $5,000 depending on the plan you buy.

  • Choose the $2,500 or $5,000 stolen-and-not-recovered benefit at purchase.
  • If the vehicle is recovered and declared a total loss, a partial benefit of up to $1,000 may apply (see agreement).
  • Identification is applied with etch or DNA marking so the vehicle is easier to identify if stolen.
  • You must file a police report promptly — typically within 24 hours of discovering the theft.
  • New and used vehicles; ask which plan is available for your VIN.

Best as a complement to comprehensive insurance — not a replacement for it.

This is a customer summary only. We do not publish dealer admin pricing or ineligible-model lists online.

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Prepaid maintenance

Ally Auto Care

Lock in the cost of routine maintenance — oil and filter, tire rotations, fluid top-offs, and chassis lubrication — on a time-and-mileage schedule you choose.

  • Pays for scheduled oil and filter service, tire rotations, and listed fluid/chassis items (see agreement).
  • Multiple time and mileage options so you can match how long you will keep the vehicle.
  • Hybrids are typically eligible; battery-electric vehicles are not eligible for standard Auto Care.
  • Use it at participating service locations, including our Frederick shop.

Best for gas and hybrid drivers who want maintenance priced up front.

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Enhanced maintenance · EV & hybrid ready

Ally Auto Care Plus

Enhanced prepaid maintenance that can include EV and hybrid items such as battery-cooling service, drive-unit fluids, cabin filter, 12-volt battery, and brake pads/rotors (one per axle) when they come due under the plan.

  • Built for drivers who want more than oil and rotations — including many EVs and hybrids.
  • May include battery cooling, transmission/drive-unit service, cabin filter, and 12V battery (see agreement).
  • Brake pads and rotors: typically one replacement per axle during the plan term.
  • Ask us which interval options fit a Tesla, PHEV, or hybrid on our lot.

Best when you drive an EV or hybrid, or want brake and cabin-filter items in the prepaid plan.

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Service contract snapshot

A brochure-level comparison. Your Coverage Agreement controls what is covered on your VIN.

What you getEssential GuardMajor GuardMajor Guard Plus
Major mechanical systemsCore componentsBroad listed groupsBroad listed groups
High-tech / electronics groupsAsk advisorIncluded (see list)Included (see list)
Scheduled maintenanceNoNoYes
DeductibleFlexible / disappearing optionPer agreement$0
Roadside, trip interruption, rentalAsk advisorYesYes
Plug-in hybrid / BEVAsk advisorMajor Guard excludes PHEVAsk advisor
TransferableSee agreementYesYes

How to get a quote in Frederick

  1. 1

    Tell us the vehicle and products

    Use the form with year, make, model (or stock number) and the products you want explained. Or call and ask for F&I / protection.

  2. 2

    We match coverage to your VIN

    Eligibility, term, deductible, and price depend on the vehicle, miles, and the agreement — not a website estimate.

  3. 3

    Review the agreement before you buy

    You will see a Sample Agreement or Coverage Agreement. Purchase is optional and is never required to get a loan or lease.

Vehicle protection FAQ

Do I have to buy a warranty or GAP to get financed at Renn Kirby?
No. Federal and state rules do not let a dealer require a service contract, GAP, theft product, or maintenance plan as a condition of financing. You can finance the vehicle and decline every optional product.
What is the difference between Essential Guard and Major Guard?
Essential Guard focuses on fundamental major-component coverage with flexible deductibles. Major Guard is the more comprehensive listed-component plan for gas, diesel, and non-plug-in hybrids, and includes roadside, trip interruption, and alternate transportation. Major Guard Plus adds scheduled maintenance and a $0 deductible.
Does Major Guard cover plug-in hybrids or Teslas?
The Major Guard brochure excludes plug-in hybrids. Tesla and other BEVs are a different conversation — ask us about Auto Care Plus and which service-contract options (if any) apply to that VIN. Do not assume a gas-vehicle brochure applies to an EV.
How does Ally GAP work on a total loss?
If the vehicle is totaled or stolen and not recovered, your auto insurer pays actual cash value. If you still owe more than that settlement, GAP may pay the difference up to the agreement limits, and may include a primary deductible up to $1,000 where allowed. It does not replace comprehensive or collision insurance.
Is theft protection the same as comprehensive insurance?
No. Theft protection is a limited benefit if the vehicle is stolen (and, on some claims, recovered and totaled). You still need auto insurance. File a police report quickly — typically within 24 hours.
Can I use prepaid maintenance at your Frederick service department?
Yes. Ally Auto Care and Auto Care Plus are designed to be used at participating locations, including Renn Kirby Frederick Auto service on Buckeystown Pike. Bring the agreement when you book oil, tires, or EV/hybrid maintenance.
Are these plans transferable if I sell the car?
Major Guard and Major Guard Plus brochures describe transfer rights. GAP, theft, and maintenance transfer rules differ. Ask us to show the transfer section of the agreement before you buy.
Can I get this information in Spanish?
Yes. We have Spanish Major Guard and GAP brochures, and this page is available at /es/proteccion-del-vehiculo. Se habla español in sales and F&I.

Request protection details

Tell us which products you want explained. The request creates a CRM lead for our Frederick team — same inbox as financing and inventory questions.

Mon–Fri 8am–7pm · Sat sales 8am–5pm, service 8am–2pm · Se habla español

Products you want quoted

Optional — leave unchecked if you prefer we only call or email. Checking this box lets us text you about your request (vehicle availability, appointments, trade-in or service follow-ups). You can still send the form without texting.

Important disclosures

This page is a customer summary of Ally brochure materials. It is not a contract, insurance policy, or guarantee of coverage. Benefits, exclusions, deductibles, waiting periods, and claims procedures are only in the Sample Agreement or Coverage Agreement you receive at the dealership.

Optional products are not required to obtain credit. Parts used for covered repairs may be new, used, or remanufactured. Some benefits vary by state (for example locksmith or trip-interruption limits).

Ally, Major Guard, Essential Guard, and related marks are trademarks of Ally Financial Inc. or its affiliates. Vehicle service contracts are typically provided by Universal Warranty Corporation (except in Florida, where the provider is Motors Insurance Corporation / MIC). Ask your advisor who the provider is on your agreement.

Renn Kirby Frederick Auto is the selling dealer, not the insurance carrier. We do not publish dealer-only admin pricing, registration steps, or ineligible-model lists on this website.

Service

Service & maintenance on Buckeystown Pike

ASE-certified technicians for gas, hybrid, and EV vehicles — oil changes, tires, brakes, alignments, and Maryland state inspections. Same-day appointments when available.

Book serviceCall service (301) 835-1283

Want numbers on your VIN?

Request a quote, text us, or visit 5712 Buckeystown Pike. We will explain coverage in English or Spanish before you decide.

View inventoryCall (301) 835-1283
Vehicle Protection Plans in Frederick, MD | GAP, Warranty & Maintenance | Renn Kirby Frederick Auto