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
Empire Auto Protect: the published terms, field by field
Every scored field for Empire Auto Protect 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://empireautoprotect.com/
The printed terms
Role, as the company describes itselfsellersource: https://empireautoprotect.com/faq/
Legal entityEmpire Auto Protect LLCsource: https://empireautoprotect.com/faq/
HeadquartersDover, DEsource: https://empireautoprotect.com/faq/
Money-back period30 dayssource: https://empireautoprotect.com/plans/
Waiting period30 days and 1,000 milessource: https://empireautoprotect.com/faq/
Lowest deductible printed$0source: https://empireautoprotect.com/faq/
Deductible options printedDeductible-based and deductible-free plans; no dollar amounts printedsource: https://empireautoprotect.com/faq/
$0 deductible optionYessource: https://empireautoprotect.com/faq/
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: https://empireautoprotect.com/faq/
Deductible and waiting period both printedYessource: https://empireautoprotect.com/faq/
Vehicle age limit at purchaseNo age limit statedsource: https://empireautoprotect.com/faq/
Mileage limit at purchasenot published
Accepts vehicles past 100,000 milesnot published
Transferable to a new ownerYessource: https://empireautoprotect.com/faq/
Refund of unused share after coverage startsnot published
Sold in CA, NY, WA, MA, FLnot published
States excludednot published
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://empireautoprotect.com/faq/
Obligor namedNot named on the pages readsource: not recorded in the provider file
Backing insurer namednot published
Founding year on its own site2006source: https://empireautoprotect.com/about/
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 | 5 of 5 |
| B | Money-back period | 12 of 12 |
| B | Waiting period | 8 of 8 |
| B | Transferable | 5 of 5 |
| B | $0 deductible option | 5 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 | 0 of 8 |
| D | Government actions, five years | 10 of 10 |
A transparency 5 + B terms 30 + C standing 5 + D record 10 = 50 of 100 50 / 20 = 2.5 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.