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. The card on this page is advertising. Nothing on this page was scored or ordered for it.
Coverage Compared
CARCHEX: the published terms, field by field
Every scored field for CARCHEX as the company prints it, the page each fact was read on, and the score out of 100 with its arithmetic.
Facts read 2026-10-16
Company site: https://www.carchex.com/
The printed terms
Role, as the company describes itselfbrokersource: https://www.carchex.com/auto-warranty/faqs/
Legal entityCARCHEX, LLCsource: https://www.carchex.com/about-us/terms/
HeadquartersBaltimore, MDsource: https://www.carchex.com/about-us/
Money-back period30 dayssource: https://www.carchex.com/about-us/
Waiting periodnot published
Lowest deductible printednot published
Deductible options printeda small deductible per repair visit; amounts not publishedsource: https://www.carchex.com/auto-warranty/faqs/
$0 deductible optionNo (not found on the pages read)source: not recorded in the provider file
Sample contract online, no contact details askedNo (not found on the pages read)source: not recorded in the provider file
Price online without a phone callNo (not found on the pages read)source: not recorded in the provider file
Deductible and waiting period both printedNo (not found on the pages read)source: not recorded in the provider file
Vehicle age limit at purchasenot published
Mileage limit at purchasenot published
Accepts vehicles past 100,000 milesnot published
Transferable to a new ownerYes, fee: usually $50 ($40 for Florida residents)source: https://www.carchex.com/auto-warranty/faqs/
Refund of unused share after coverage startsnot published
Sold in CA, NY, WA, MA, FLCA nosource: https://www.carchex.com/auto-warranty/faqs/
States excludedCAsource: https://www.carchex.com/auto-warranty/faqs/
Texas rosterSelling name not found on the rostersource: https://data.texas.gov/resource/7358-krk7.json
Minnesota rosterSelling name not found on the rostersource: https://mn.gov/commerce/licensing/license-lookup/
New York rosterSelling name not found on the rostersource: https://myportal.dfs.ny.gov/web/guest-applications/service-contract-providers
Nevada rosterSelling name not found on the rostersource: https://doi.nv.gov/Consumers/Service_Contract_Provider_Contact_Map
Legal entity printed on its siteYessource: https://www.carchex.com/about-us/terms/
Obligor namedLiberty STF, Inc. (named as the provider in the site footer)source: https://www.carchex.com/auto-warranty/faqs/
Backing insurer namednot published
Founding year on its own site2003source: https://www.carchex.com/about-us/
Government actions, last five yearsNone found on .gov pagessource: not recorded in the provider file
The score
| Part | Field | Points |
|---|---|---|
| A | Sample contract online | 0 of 15 |
| A | Price online without a call | 0 of 10 |
| A | Deductible and waiting period printed | 0 of 5 |
| B | Money-back period | 12 of 12 |
| B | Waiting period | 0 of 8 |
| B | Transferable | 5 of 5 |
| B | $0 deductible option | 0 of 5 |
| B | Refund of unused share | 0 of 5 |
| C | State rosters (0 of 4) | 0 of 12 |
| C | Legal entity printed | 5 of 5 |
| C | Obligor named | 8 of 8 |
| D | Government actions, five years | 10 of 10 |
A transparency 0 + B terms 17 + C standing 13 + D record 10 = 40 of 100 40 / 20 = 2.0 of 5
Fields that are not published score zero. A roster "not found" means the selling name was not on that state's list; the company may be registered under another name. The full rules.