Disclosure Paid placement. Click 4 Coverage is a client of OwnersFirm, which publishes this site and is paid when a reader who arrives from it buys coverage. Where a card for it appears on this page, that card is advertising. Its row in any table is scored by the same published rules as every other company. No other company on this page paid to appear.
Vehicle service contracts
Two companies, two columns, and the page each fact came from
Coverage Compared lays vehicle service contract companies side by side on the terms they print about themselves. One fact per row. A link under every cell. No winner called.
Facts read 2026-10-16
What each page holds
A fact sheet for every company in the provider file, with each scored field as the company states it and "not published" where it states nothing. Fifteen pairings of the names readers most often put next to each other. Two field tables. A score out of 100 whose arithmetic is printed on every sheet.
The short version
- Every cell is a fact a company prints about itself, linked to the page where it is printed.
- A gap is printed as "not published" and earns zero points. It is never filled with a guess.
- The score has four parts: transparency 30, consumer terms 35, standing 25, public record 10.
- Pairing pages color only the rows where two companies differ. They do not pick a side.
- Reviews, prices and customer service are not scored, because no public source measures them evenly.
- Click 4 Coverage pays for the labeled card and has a fact sheet scored by the same rules. No pairing here includes it.
The roster, ordered by score
Each company in the provider file, highest score first, ties broken by name. The four part scores sit beside the total so the arithmetic can be checked against the fact sheet. The figure out of 5 is the total divided by 20.
| Company | Score | Of 5 | A | B | C | D | Money-back | Waiting period | Sample contract | Obligor named |
|---|---|---|---|---|---|---|---|---|---|---|
| olive | 90 | 4.5 | 25 | 30 | 25 | 10 | 30 days | No waiting period | Yes | Yes |
| Endurance | 87 | 4.3 | 30 | 30 | 22 | 5 | 30 days | 30 days and 1,000 miles | Yes | Yes |
| Everything Breaks | 85 | 4.2 | 20 | 30 | 25 | 10 | 30 days | 30 days and 1,000 miles | Yes | Yes |
| Omega Auto Care | 72 | 3.6 | 15 | 22 | 25 | 10 | 30 days | not published | Yes | Yes |
| Select Auto Protect | 63 | 3.1 | 15 | 30 | 13 | 5 | 30 days | 30 days and 1,000 miles | Yes | Yes |
| Click 4 Coverage | 60 | 3.0 | 15 | 35 | 0 | 10 | 30 days | 30 days | No | No |
| Route 66 Extended Warranty | 58 | 2.9 | 5 | 35 | 8 | 10 | 30 days | No waiting period | No | Yes |
| Alpha Warranty Services | 53 | 2.6 | 5 | 13 | 25 | 10 | not published | No waiting period | No | Yes |
| Empire Auto Protect | 50 | 2.5 | 5 | 30 | 5 | 10 | 30 days | 30 days and 1,000 miles | No | No |
| autopom! | 45 | 2.2 | 0 | 30 | 5 | 10 | 30 days | 30 days and 1,000 miles | No | No |
| GWC Warranty | 45 | 2.2 | 0 | 13 | 22 | 10 | not published | No waiting period | No | Yes |
| Fidelity Warranty Services | 42 | 2.1 | 0 | 10 | 22 | 10 | not published | not published | No | Yes |
| CARCHEX | 40 | 2.0 | 0 | 17 | 13 | 10 | 30 days | not published | No | Yes |
| EasyCare | 37 | 1.9 | 0 | 5 | 22 | 10 | not published | not published | No | Yes |
| Toco | 37 | 1.9 | 10 | 0 | 17 | 10 | not published | not published | No | No |
| American Dream Auto Protect | 35 | 1.8 | 0 | 25 | 5 | 5 | 30 days | 30 days and 1,000 miles | No | No |
| Premier Auto Protect | 32 | 1.6 | 0 | 22 | 0 | 10 | 30 days | not published | No | No |
| Assurant Vehicle Care | 24 | 1.2 | 0 | 0 | 14 | 10 | not published | not published | No | No |
| CNA National | 23 | 1.1 | 0 | 5 | 8 | 10 | not published | not published | No | No |
| CarShield | 14 | 0.7 | 0 | 0 | 9 | 5 | not published | not published | not published | not published |
| Chaiz | 10 | 0.5 | 0 | 0 | 0 | 10 | not published | not published | No | No |
21 companies. Source: vsc_providers.json, facts read 2026-10-16. A transparency, B terms, C standing, D record.
Six fact sheets to start with
The six highest scores in the file, chosen by that rule alone. Every other company's sheet is in the index further down.
olive
90 of 100, 4.5 of 5
- Money-back: 30 days
- Waiting period: No waiting period
- Obligor: QBE Administration Services, Inc.
Endurance
87 of 100, 4.3 of 5
- Money-back: 30 days
- Waiting period: 30 days and 1,000 miles
- Obligor: Endurance Dealer Services, LLC (Old Republic Insurance Company in Florida)
Everything Breaks
85 of 100, 4.2 of 5
- Money-back: 30 days
- Waiting period: 30 days and 1,000 miles
- Obligor: Advance Core Capital Inc. (Advance Core Capital of Florida Inc. in FL)
Omega Auto Care
72 of 100, 3.6 of 5
- Money-back: 30 days
- Waiting period: not published
- Obligor: EGV Companies, Inc. (Lyndon Southern Insurance Company in FL, LA, NM, OK)
Select Auto Protect
63 of 100, 3.1 of 5
- Money-back: 30 days
- Waiting period: 30 days and 1,000 miles
- Obligor: Select Auto, Inc.
advertiser
Click 4 Coverage
60 of 100, 3.0 of 5
- Money-back: 30 days
- Waiting period: 30 days
- Obligor: Not named on the pages read
The fifteen pairings
These are the combinations of names that turn up together most often when people shop this category. Each page is two columns of the same fields, with the differing rows marked.
- Endurance vs CarShield
- CarShield vs CARCHEX
- Endurance vs CARCHEX
- Endurance vs olive
- CarShield vs olive
- Endurance vs Toco
- CarShield vs Toco
- Endurance vs autopom!
- CARCHEX vs autopom!
- Endurance vs Omega Auto Care
- CarShield vs Omega Auto Care
- Endurance vs Everything Breaks
- CarShield vs Premier Auto Protect
- Endurance vs American Dream Auto Protect
- olive vs Toco
Every fact sheet
- Alpha Warranty Services
- American Dream Auto Protect
- Assurant Vehicle Care
- autopom!
- CARCHEX
- CarShield
- Chaiz
- Click 4 Coverage
- CNA National
- EasyCare
- Empire Auto Protect
- Endurance
- Everything Breaks
- Fidelity Warranty Services
- GWC Warranty
- olive
- Omega Auto Care
- Premier Auto Protect
- Route 66 Extended Warranty
- Select Auto Protect
- Toco
Reading a pairing
Every pairing has the same layout. Field names run down the left edge, one company per column, a thin rule between them, and under each value the address of the page where we read it.
A row turns orange when the two values differ, including when one company prints a figure and the other prints nothing. Gray means both columns match, even if both say "not published". Under each field name, one line repeats the row in words and adds nothing. Which difference matters depends on your car, its miles and how long you will keep it, which no table can know.
The score at the bottom is the one on each fact sheet. Read its parts: a company can trail by ten points only because it has not posted a sample contract.
The fields, in plain terms
Money-back period
Days after purchase in which you can cancel for all of your money back. Some companies require that no claim was made; some subtract a fee. The source link shows the conditions.
Waiting period
The stretch after purchase before a repair is covered, often counted in days and miles, whichever ends later. Zero scores as the best case.
Deductible
What you pay per repair visit. We print the lowest amount stated and any options listed. "Deductibles available" with no amount is recorded as not published.
Sample contract and online quote
Can you download the contract without giving a name, phone or email? Can you see a price without a call? Each yes earns points because it lets you read before anyone sells to you.
Transfer and refund after coverage starts
Whether the contract moves to the next owner if you sell, and whether cancelling later returns the unused share of what you paid.
Obligor, insurer and registrations
The obligor is the party that owes you the repair payment. The insurer, if one is named, backs the obligor. Texas, Minnesota, New York and Nevada publish rosters of registered service contract companies, and each sheet shows which of those four lists the company's name appears on. A company can be registered under a different name from the one it sells under, so a "no" means the selling name was not found, nothing more.
Public record
Consent orders, attorney general settlements and federal actions naming the company in the last five years, counted only when a government page prints them. The sheet lists each one with its date and link.
Three kinds of paper that get called a warranty
A factory warranty comes with a new vehicle from the manufacturer and costs nothing extra. A vehicle service contract is a separate purchase that promises to pay for listed repairs; it is not a warranty and not insurance, and the contract you receive governs. In a few states, including California, some sellers offer the same kind of protection as mechanical breakdown insurance, which is regulated as an insurance product. If you are weighing a service contract against what the factory still covers, confirm the factory terms against your VIN: the clock starts at the vehicle's first sale, not when you bought it, and terms vary by model year, trim and market.
What a side-by-side cannot tell you
Price, because it depends on the vehicle, term, deductible and state and is quoted one reader at a time. How a claim will go, whether a shop will accept the contract, how long the phone queue runs. Those matter, but no source measures them the same way for every company.
Things worth slowing down for
Mail or calls styled as an official notice from a dealer or manufacturer. A seller who shows the contract only after payment. A contract that never names its obligor. Pressure to decide before you read the cancellation terms. The scored fields, a posted contract, a named obligor, a printed money-back period, are the written answers to each.
Questions readers ask about this site
Who decides which company wins a pairing?
Nobody. A pairing page sets two companies' printed terms in two columns and marks the rows where they differ. The line under each row repeats what the cells say. Which difference matters is your call, because it depends on your vehicle, your mileage and how long you plan to keep it.
Why do so many cells say not published?
Because the company did not print that fact on any public page or sample contract we could read on the pull date. We do not call sales lines, request quotes with personal details or fill gaps from review sites. A blank stays a blank, and in the score it earns zero points.
Is Click 4 Coverage scored differently because it pays for the card?
No. Click 4 Coverage pays OwnersFirm, the publisher, for the labeled card. Its fact sheet uses the same fields and the same point values as every other company, computed by the same script. If its site prints more terms later, its score moves for that reason only.
Why is there no Click 4 Coverage versus page here?
A comparison that puts the paying company on one side of the table belongs on that company's own website, where the reader knows whose page it is. This site keeps its pairings to companies that pay it nothing.
What does the orange row mean?
The two companies print different values for that field, or one prints a value and the other prints nothing. Rows where both say the same thing stay gray. The color marks a difference, not a better answer.
Does a higher score mean a contract will pay my claim?
No. The score counts which terms a company prints and a few public records about it. It does not measure claim payments, prices, repair shop acceptance or service. The contract you sign is what governs a claim, so read it before you pay.
Can a company ask to have a cell corrected?
Yes. Point us to the public page where the fact is printed and the cell is changed on the next rebuild, with the new source link under it. We do not change a cell on the strength of an email alone, because every cell has to link to something a reader can open.
Field tables
Single-field cuts of the same file, each sorted on one printed term.
How the score is built
One hundred points, all from printed terms and government records: transparency 30 (sample contract, price without a call, terms printed), consumer terms 35 (money-back period, waiting period, transfer, $0 deductible, refund of the unused share), standing 25 (four state rosters, legal entity, obligor) and public record 10. Anything not published scores zero; ties go alphabetical. Full rules, sources and corrections.