Vehicle Protection Plans

We know how important your vehicle is to you! Add a vehicle protection plan during the loan process to ensure peace of mind knowing you and your ride are protected.

Three options are available to accommodate your payment needs, and vehicle attributes:

Easy Street

Factory Type

2018 & Newer Model Vehicles
Current Odometer Reading: 0-100,000mi.

0-72,000 Miles:
4-8 Year Options Available.
120,000 Miles

72,001-100,000 Miles:
4 Years
48,000 Miles

  • Vehicles 6 years or newer, with up to 100k miles qualify for coverage.
  • Enhanced Electronics Package (EEP) included.
  • Battery replacement up to $100.
  • Rental car up to $50/day (5 days max).

Main Street


2014 & Newer Model Vehicles
Current Odometer Reading: 0-140,000mi.

3 Years
120,000 Miles

  • Vehicles up to 10 years old and up to 150k miles qualify for coverage.
  • Enhanced Electronics Package option $150 surcharge.
  • Battery replacement up to $100.
  • Rental car up to $40 per day (5 days max).

First Street

Drivetrain Plus

No Year Model Limit
No Mileage Limit

3 Years
36,000 Miles

  • Vehicles up to 10 years old and up to 150k miles qualify for coverage.
  • Enhanced Electronics Package options $150 surcharge.
  • Battery replacement up to $100.
  • Rental car up to $40 per day (5 days max).

Vehicle Protection Features

Vehicle Protection

  • $0 Deductible
  • 30 Day “Free-Look”
  • Nationwide Coverage
  • Open Enrollment
  • 24/7/365 Emergency Roadside Assistance
  • Trip Interruption
  • Rental Car Allowance
  • Fully Transferable

What's Covered: Easy Street

Includes all items covered under the manufacturer’s original coverage except for those items listed under “items not covered.”

Items not covered:
Any normal maintenance item including tires, wheels, struts, shocks, brake shoes or pads, rotors or drums, belts, hoses, filters, fluids, lubricants, clutch, pressure plate or clutch release bearing and tune-up items. Exhaust or emission parts, safety restraint system, lighting, wiring, clock, and television. Any body parts, interior parts, trim, glass, paint, air bag system and keyless entry/anti-theft.

What's Covered: Main Street

Includes all Items in First Street, plus:

  • Engine: Timing chain guides, timing belt tensioners, intake manifold, valve lash adjusters, valve guides, valve spring locks & retainers, harmonic balancer.
  • Automatic Transmission: Chain, drum assembly, solenoids, bushings, accumulator, clutches, bands, servos, parking pawl, speedometer gear, transmission cooler, pistons.
  • Air Conditioning: Compressor, cluck and coil assembly, evaporator, accumulator and condenser, if factory installed evacuation and recharge in conjunction with the replacement of listed components.
  • Front Suspension*: Upper/lower control arms, upper/lower ball joints, steering knuckle, wheel bearings, control arm shaft and bushings.
    *Vehicles under 85,000 miles at contract purchase.
  • Steering: Power steering pump, electronic steering motor, steering gear housing and its internal parts and rack and pinion assembly.
  • Brakes: Master cylinder, ABS master cylinder, brake booster, wheel cylinders, disc brake calipers, hydraulic lines and fittings.
  • Cooling: Radiator, fan clutch, water pump, cooling fan motor.
  • Fuel Delivery: Fuel pump, fuel tank, fuel injectors, metal fuel lines, fuel sending unit.
  • Electrical: Battery, voltage regulator, alternator, front/rear wiper motors and module, window motors, window regulators, ignition module and coils, engine operation computer, distributor, starter, starter solenoid, seat motors, door lock actuators, manually operated switches for above-listed parts.

What's Covered: First Street

  • Engine: Engine parts consisting of crankshaft & bearings, oil pump, oil pump pickup/screen and tube, pistons, piston rings, wrist pins, connecting rods and bearings, timing hears, chain/belt, timing tensioners/guides, balance shaft, camshaft, bearings, push rods, rocker arms/shaft, hydraulic lifters, intake and exhaust valves and springs, cylinder head gaskets. Engine block covered if mechanical failure was caused by above-listed parts.
  • Automatic Transmission: Transmission parts consisting of – gears, input and output shafts, bearings, front pump, planetary assemblies, 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 body, torque converter and transmission case is also covered if damage is caused by failure of listed lubricated parts.
  • Standard Transmission: Transmission parts consisting of – internally lubricated bearings, input and output shafts, gears, overdrive housing, and transmission case is also covered if damage is caused by failure of listed lubricated parts.
  • Drive Axle Assembly (Front or Rear Wheel Drive): Consisting of – drive shaft, ring/pinion gears, pinion bearings, side carrier bearings, carrier assembly, thrust washers, axle, axle bearings and limited slip clutch pack assembly. Universal and CV joints. Drive axle housing is covered if damage is caused by failure of lubricated parts.
  • Drive Axle Assembly (4-Wheel Drive and All-Wheel Drive): Transfer case including transfer case motor, gears, main shaft, drive chain, thrust washer and shims, bearings. Front drive shaft, differential, axles, u-joints and CV joints. With applicable surcharge. 
  • Seals and Gaskets: Cylinder head gaskets.

Bonus Coverage

  • 24-Hour Roadside Assistance: Towing, flat tire changing, fuel and fluid delivery, lock-out service and jump starting.
  • Rental Car: Rental Car reimbursement is available for the agreement holder, in the event of a mechanical breakdown of a covered component. Daily limits apply, as well as a total reimbursement cap of $200 per claim. Please refer to the extended contract agreement for details of qualifying claims and coverages. Rental receipts required for reimbursement. 

Additional Information

How to Claim:

Simply contact or have a representative of the repair facility contact the Administrator before ANY work is performed by calling the Claims Department at 1-800-808-0828 or by emailing The following information will be required before authorization for repairs: (1) Agreement Number (2) Agreement Holder’s Name (3) Current Mileage (4) Mechanical Complaint (5) Itemized Estimate.


Upon completion of the repair, authorized claims will be paid for by credit card or check by submitting the following: (1) Authorization Number (2) Vehicle Mileage (3) Date of Repair (4) Mechanical Complaint (5) Paid Itemized Invoice Including: Names, numbers, prices and expressed warranty. (6) Description of Necessary Labor Changes (7) VIN# (8) Agreement Holder’s Telephone Numbers (9) Name and Address to Whom Reimbursement is Payable (10) Customer Signature.

Submit Information to:
Route 66 Extended Warranty
PO Box 1075
Mountain Home, AR 72654-1075
Or email to:

Claims must be submitted for reimbursement within thirty days from authorization date.


All Coverages: The administrator will reimburse the Agreement Holder or repair facility for the reasonable cost of labor to replace the required parts set forth in Paragraph 1. Labor times will be determined by the current nationally published flat-rate guide.


Extended vehicle protection plans are optional. ACU Auto Loans subject to credit approval and will require ACU membership. Insurance products are not a deposit or obligation of, or guaranteed by, America’s Credit Union or its affiliates. These products are not insured or guaranteed by the NCUA or any agency of the federal government. Your credit approved cannot be conditioned on whether you purchase any of the insurance products. You may obtain insurance to protect your loan from an entity not affiliated with ACU.

ACU Auto Loans

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