For over 35 years, the MBA Financial family of companies has been providing innovative insurance and financial products to help protect our customers and their most important investments. As a Better Business Bureau Accredited Business with an A+ Rating for over 25 years, we are proud of our reputation for honesty and integrity and committed to providing our partners and customers with superior products and first-class service. 

Optimum Auto is our primary automotive vehicle protection plan program. The program includes new, exceptional customer benefits and a range of term and deductible options to fit nearly every driving, coverage plans and pre-owned vehicles and offers a comprehensive selection of ownership and budget need. All Optimum Auto coverage plans are fully underwritten by A.M. Best "A" rated insurance companies.







Consumer Benefits

  • Coverage provided beyond the original manufacturer’s warranty

  • Protection from unforeseen repair costs

  • Coverage and pricing options to meet every need

  • Flexibility to take the vehicle to the selling dealership for repairs or a licensed repair facility that is most convenient

  • First-class customer service and fast, effortless claims processing online or over the phone

  • Transferable to the next owner of the vehicle, enhancing resale value

  • Roadside assistance benefit provides 24/7 roadside services including towing, tire changes, lockouts, battery service, and fluid delivery

  • Reimbursement for substitute transportation and trip interruption while vehicle is being repaired


Partner Benefits

  • Plans tailored to each customer’s driving and financial needs

  • Choice of ten coverage plans

  • One of the largest selections of time and mileage term options available in the industry

  • Dealer-branded materials available

  • Extensive reporting capabilities to manage revenue and performance across the dealership

  • Reinsurance and retro programs available


Eligibility Guidelines

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

  • New Vehicles: Current plus one model year and vehicles with less than 12,000 miles on the contract purchase date.

  • Extended New Eligibility Vehicles: Current plus up to four model years, vehicle does not qualify as a new vehicle and has at least one month and 1,000 miles remaining on the original full manufacturer's warranty.

  • Pre-Owned Vehicles: Current plus up to 12 model years and not eligible as new or extended new eligibility vehicle as outlined above

  • Deductible and surcharge options may apply


NOTE: Please review the respective vehicle service contract for contract terms, conditions, exclusions and

limits of liability.