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Coverage Compared
CarShield vs CARCHEX: what each one prints
CarShield and CARCHEX side by side on every scored field, with the source under each cell and the rows that differ marked. No winner is named.
Facts read 2026-10-16
Leaving out name and address rows, the two sheets differ on 18 of 26 rows: Role, as the company describes itself; Money-back period; Deductible options printed; $0 deductible option; Sample contract online, no contact details asked; Price online without a phone call; Deductible and waiting period both printed; Transferable to a new owner; Sold in CA, NY, WA, MA, FL; States excluded; Texas roster; Minnesota roster; New York roster; Legal entity printed on its site; Obligor named; Founding year on its own site; Government actions, last five years; Rubric score.
CarShield blocked automated reads on the pull date; fields that depend on that site print as not published.
| Field | CarShield | CARCHEX |
|---|---|---|
| Role, as the company describes itselfCarShield: not published. CARCHEX: broker. | not published | brokersource: https://www.carchex.com/auto-warranty/faqs/ |
| Legal entityCarShield: not published. CARCHEX: CARCHEX, LLC. | not published | CARCHEX, LLCsource: https://www.carchex.com/about-us/terms/ |
| HeadquartersCarShield: not published. CARCHEX: Baltimore, MD. | not published | Baltimore, MDsource: https://www.carchex.com/about-us/ |
| Money-back periodCarShield: not published. CARCHEX: 30 days. | not published | 30 dayssource: https://www.carchex.com/about-us/ |
| Waiting periodCarShield: not published. CARCHEX: not published. | not published | not published |
| Lowest deductible printedCarShield: not published. CARCHEX: not published. | not published | not published |
| Deductible options printedCarShield: not published. CARCHEX: a small deductible per repair visit; amounts not published. | not published | a small deductible per repair visit; amounts not publishedsource: https://www.carchex.com/auto-warranty/faqs/ |
| $0 deductible optionCarShield: not published. CARCHEX: No (not found on the pages read). | not published | No (not found on the pages read)source: not recorded in the provider file |
| Sample contract online, no contact details askedCarShield: not published. CARCHEX: No (not found on the pages read). | not published | No (not found on the pages read)source: not recorded in the provider file |
| Price online without a phone callCarShield: not published. CARCHEX: No (not found on the pages read). | not published | No (not found on the pages read)source: not recorded in the provider file |
| Deductible and waiting period both printedCarShield: not published. CARCHEX: No (not found on the pages read). | not published | No (not found on the pages read)source: not recorded in the provider file |
| Vehicle age limit at purchaseCarShield: not published. CARCHEX: not published. | not published | not published |
| Mileage limit at purchaseCarShield: not published. CARCHEX: not published. | not published | not published |
| Accepts vehicles past 100,000 milesCarShield: not published. CARCHEX: not published. | not published | not published |
| Transferable to a new ownerCarShield: not published. CARCHEX: Yes, fee: usually $50 ($40 for Florida residents). | not published | Yes, fee: usually $50 ($40 for Florida residents)source: https://www.carchex.com/auto-warranty/faqs/ |
| Refund of unused share after coverage startsCarShield: not published. CARCHEX: not published. | not published | not published |
| Sold in CA, NY, WA, MA, FLCarShield: not published. CARCHEX: CA no. | not published | CA nosource: https://www.carchex.com/auto-warranty/faqs/ |
| States excludedCarShield: not published. CARCHEX: CA. | not published | CAsource: https://www.carchex.com/auto-warranty/faqs/ |
| Texas rosterCarShield: Listed. CARCHEX: Selling name not found on the roster. | Listedsource: https://data.texas.gov/resource/7358-krk7.json | Selling name not found on the rostersource: https://data.texas.gov/resource/7358-krk7.json |
| Minnesota rosterCarShield: Listed. CARCHEX: Selling name not found on the roster. | Listedsource: https://mn.gov/commerce/licensing/license-lookup/ | Selling name not found on the rostersource: https://mn.gov/commerce/licensing/license-lookup/ |
| New York rosterCarShield: Listed. CARCHEX: Selling name not found on the roster. | Listedsource: https://myportal.dfs.ny.gov/web/guest-applications/service-contract-providers | Selling name not found on the rostersource: https://myportal.dfs.ny.gov/web/guest-applications/service-contract-providers |
| Nevada rosterCarShield: Selling name not found on the roster. CARCHEX: Selling name not found on the roster. | Selling name not found on the rostersource: https://doi.nv.gov/Consumers/Service_Contract_Provider_Contact_Map | Selling name not found on the rostersource: https://doi.nv.gov/Consumers/Service_Contract_Provider_Contact_Map |
| Legal entity printed on its siteCarShield: not published. CARCHEX: Yes. | not published | Yessource: https://www.carchex.com/about-us/terms/ |
| Obligor namedCarShield: not published. CARCHEX: Liberty STF, Inc. (named as the provider in the site footer). | not published | Liberty STF, Inc. (named as the provider in the site footer)source: https://www.carchex.com/auto-warranty/faqs/ |
| Backing insurer namedCarShield: not published. CARCHEX: not published. | not published | not published |
| Founding year on its own siteCarShield: not published. CARCHEX: 2003. | not published | 2003source: https://www.carchex.com/about-us/ |
| Government actions, last five yearsCarShield: 1 on .gov pages. CARCHEX: None found on .gov pages. | 1 on .gov pages
| None found on .gov pagessource: not recorded in the provider file |
| Rubric scoreCarShield: 14 of 100 (A 0, B 0, C 9, D 5). CARCHEX: 40 of 100 (A 0, B 17, C 13, D 10). | 14 of 100 (A 0, B 0, C 9, D 5) | 40 of 100 (A 0, B 17, C 13, D 10) |
Full sheets: CarShield and CARCHEX. Orange rows are rows where the printed values differ, or where one company prints a value and the other does not. Price, claims handling and service are not compared because no public source measures them evenly. How the score works.