Midwest Agency offers the most comprehensive solutions for today’s Automobile Dealerships. Our suite of fully insured products will allow you to offer your customer peace of mind throughout their ownership experience. Whether it is a VSC or a Loyalty Certificate we stand behind everything that we offer with world class customer service and accountability to our dealer partners. Select any of our lines below to learn more about each of our award-winning products.

Premier Dealer Services VSC

Premier Performance VSC is designed to respond efficiently to evolving manufacturer’s warranty coverage changes, align extended eligibility mileage to match the industry’s trend toward longer warranty terms, and provide simplified pricing. It provides mechanical breakdown coverage for a variety of major automotive components and can supplement or extend the original manufacturer’s warranty.

Using the PDS eRating and eContracting systems, your dealership can easily obtain all available plans and accurate, real-time pricing for each vehicle and owner, in addition to printing customized contracts on-demand that include state-specific language, terms, mileage intervals and the selected deductible and coverage plans.

Primary Benefits

•    Plan tailored to each customer’s driving and financial needs
•    Four possible coverage options
•    Dealer-branded materials available
•    eContracting prints a professional contract with the exact terms and coverage purchased
•    eRating eliminates rating errors and identifies all coverage options available to a customer

Customer Benefits

•    Coverage provided beyond the original manufacturer’s warranty
•    Protection from unforeseen repair costs
•    Flexible coverage and pricing options
•    Transferable to subsequent vehicle owners
•    Roadside assistance and reimbursement for substitute transportation/trip interruption

Underwriting Guidelines

All covered components must be functioning properly at the time of warranty sale.

  • New Vehicles: Not previously titled and with less than 12,000 miles on the contract purchase date
  • Extended: Does not qualify as new, but with at least 1 month and 1,000 miles remaining on the new vehicle factory warranty
  • Certified Pre-Owned: Certified by the manufacturer and with a certified pre-owned manufacturer’s warranty or dealer limited warranty administered by PDS
  • Pre-Owned: Current +9 model years only and not in any category above
  • Deductible and surcharge options may apply

NOTE: Please see a copy of the Premier Essential Dealer agreement, customer schedule and booklet for a complete list of underwriting guidelines, terms, conditions, exclusions and limits of liability.

 

PREMIER CLASSIC HIGH MILEAGE VSC

Premier Classic is a high mileage vehicle service contract specially designed to provide affordable protection from the rising costs of mechanical failures. Premier Classic protects the customer against unexpected repair cost while providing peace of mind and reliable coverage.

Through PDS’ online processing your dealership can easily obtain all available plans and accurate, real-time pricing for each vehicle and owner, in addition to printing customized contracts on-demand that include state-specific language, terms, mileage intervals and the selected deductible and coverage plans.

Primary Benefits

  • Three possible coverage options tailored to each customer’s driving and financial needs
  • eContracting prints a professional contract with the exact terms and coverage purchased
  • eRating eliminates rating errors and identifies all coverage options available to a customer

Customer Benefits

  • Coverage for vehicles with high mileage beyond the original manufacturer’s warranty
  • Protection from unforeseen repair costs
  • Flexible coverage and pricing options
  • Transferable to subsequent vehicle owners
  • Roadside assistance, road hazard protection and reimbursement for substitute transportation and trip interruption 

Underwriting Guidelines

Please see a copy of the Premier Classic customer schedule and booklet for a complete list of underwriting guidelines, terms, conditions, exclusions and limits of liability.

 

Premier GAP Ultra

Premier GAP Ultra enhances your customer’s level of protection with increased coverage. More than just peace of mind, this program offers your customers enhanced satisfaction if they sustain a total loss of a financed vehicle, and is preferred by many lenders and states.

Our Ultra benefit level is commonly known as “PC Settlement,” “Primary ACV” or “Enhanced ACV.” Actual cash value is defined by the retail value of the vehicle on the date of loss as determined by the primary automobile physical damage carrier, including any tax and fee refunds applied, less any insurance carrier deductible up to $1,000, or the amount paid by a third-party insurer.

Primary Benefits

  • Excellent income opportunity for your dealership
  • Increased customer satisfaction and loyalty with more repeat business, resulting in higher automobile sales
  • Allows dealership exploration of different financing options

Customer Benefits

  • Protection against out-of-pocket expenses due to a total loss
  • Reimbursement for insurance deductible (in most states)
  • Ability to cancel the agreement at any time prior to experiencing a total loss

Underwriting Guidelines

  • The maximum amount financed cannot exceed $125,000 or 150% of the MSRP or NADA retail value
  • The term of the finance contract cannot exceed 96 months
  • The maximum amount payable under the GAP policy is $100,000
  • Excludes commercial use

NOTE: Please see a copy of the Insurance policy and producer agreement for a complete list of underwriting guidelines, terms, conditions, exclusions and limits of liability. Restrictions may apply. Product availability may vary by state or country. For state availability please contact your sales rep.

 

 

American Anti Theft

  • Coverage for new and used vehicles
  • Coverage for loans and lease
  • Coverage up to 5 years
  • If vehicle is stolen and not recovered, or total loss, American Anti Theft will pay a benefit up to $5,000 to cover the following:
    • Pay off
    • Taxes on the replacement vehicle
    • License and doc fees
    • Rental car
    • Coverage up to $1,000 to cover the deductible
    • Coverage up to $1,000 in airline tickets if the c/s vehicle is stolen out of town

NOTE: Please see a copy of the Customer Certificate and Dealer Agreement for a complete explanation of terms, conditions, exclusions, underwriting guidelines and limits of liability. Restrictions may apply. Product availability may vary by state or country.

Premier Maintenance PLAN

Your vehicle is an important investment, and one that you want to keep in top working condition, both for its long-term use and potential re-sale. When it comes to maintenance, it’s all about upkeep. Maintenance performed on a consistent schedule reduces the likelihood of mechanical breakdowns and enhances the value of your vehicle at the time of sale or trade-in. With Premier Maintenance Plans, maintaining your vehicle’s good condition is easy, cost-effective and hassle-free.

Primary Benefits

  • Increased dealership loyalty, generating more future sales
  • Fixed reimbursements or payments as a percentage of retail available
  • May be sold in F&I or the service department
  • Available on New or Pre-owned vehicles
  • Online sales support through PDS’ eSolutions tools
  • Online service authorization – eliminates hold times

Customer Benefits

  • Reduced out-of-pocket expenses for basic maintenance
  • Maintenance services financed with vehicle purchase or lease
  • Terms and intervals of service customized to each buyer
  • Consistent maintenance increases resale or trade-in value of the vehicle

Underwriting Guidelines
All maintenance contracts are cancelable and transferable.

  • Dealerships will be reimbursed for maintenance services performed under the Premier Maintenance Plan; reimbursement level selected by the dealership at time of sign-up
  • High-line vehicles, exotic vehicles and vehicles where maintenance is provided by the manufacturer are not eligible
  • Rental car coverage is available with payment of the rental car surcharge
  • Diesel, synthetic and blended synthetic oil are available with payment of the oil upgrade surcharge
  • Electronic claims approval available for reimbursements of $50 or less

NOTE: Please see a copy of the Customer Certificate and Dealer Agreement for a complete explanation of terms, conditions, exclusions, underwriting guidelines and limits of liability. Restrictions may apply. Product availability may vary by state or country.

 

Premier Defense Interior & Exterior Protection 

  • Adds protection through a hard gloss finish for your vehicle’s exterior surfaces
  • Enhances paint performance with added defense against weather-induced oxidation, fading, hard water etching, bugs and more
  • Adds to the life expectancy of interior surfaces
  • Maintains the natural softness and beauty of leather & vinyl
  • Seals surfaces for resistance against fading and stains
  • No annual reapplication or inspection
  • 12 to 84-month coverage
  • eRating and eContracting eligible

NOTE: Please see a copy of the Customer Certificate and Dealer Agreement for a complete explanation of terms, conditions, exclusions, underwriting guidelines and limits of liability. Restrictions may apply. Product availability may vary by state or country.

 

Premier collection 5 in 1

Premier Collection is a unique bundle of products designed to protect your consumer’s vehicle and enhance their ownership experience. The following coverages are included in the Premier Collection.

  • Road Hazard Tire & Wheel Coverage
  • Wheel Appearance Coverage
  • Paintless Dent Repair
  • Windshield Repair
  • Emergency Roadside Assistance
  • Key Replacement Benefit (optional)

NOTE: Please see a copy of the Customer Certificate and Dealer Agreement for a complete explanation of terms, conditions, exclusions, underwriting guidelines and limits of liability. Restrictions may apply. Product availability may vary by state or country.

Primary Choice

  • Tire & Wheel coverage due to Road Hazard or Curb Impact
  • Tire & Wheel cosmetic repair coverage
  • Customizable coverage options
  • Emergency Roadside Assistance available
  • Rental reimbursement available
  • 3 Class rating guide
  • 12 – 84 month terms
  • Zero deductible coverage
  • eRating, eContracting and eRemittance eligible

NOTE: Please see a copy of the Customer Certificate and Dealer Agreement for a complete explanation of terms, conditions, exclusions, underwriting guidelines and limits of liability. Restrictions may apply. Product availability may vary by state or country.

Loyalty Suite of Products

Our Loyalty Suite of products were developed with customer retention as a primary focus. We offer a wide variety of Loyalty Certificate options to help brand your dealership and give your customers a reason to buy from you. All our loyalty certificates are fully insured and Reinsurable as well as e ratable and e contract ready.

  • Lifetime Powertrain Protection
  • Lifetime Engine Protection
  • $1000 Loyalty Certificates
  • Lease Loyalty
  • Premier Maintenance Plan
  • Premier Advantage

 

NOTE: Please see a copy of the Customer Certificate and Dealer Agreement for a complete explanation of terms, conditions, exclusions, underwriting guidelines and limits of liability. Restrictions may apply. Product availability may vary by state or country.