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Coverage Compared
Endurance vs CARCHEX: what each one prints
Endurance 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 21 of 26 rows: Role, as the company describes itself; Waiting period; Deductible options printed; Sample contract online, no contact details asked; Price online without a phone call; Deductible and waiting period both printed; Vehicle age limit at purchase; Mileage limit at purchase; Accepts vehicles past 100,000 miles; Transferable to a new owner; Refund of unused share after coverage starts; Sold in CA, NY, WA, MA, FL; States excluded; Texas roster; Minnesota roster; New York roster; Obligor named; Backing insurer named; Founding year on its own site; Government actions, last five years; Rubric score.
| Field | Endurance | CARCHEX |
|---|---|---|
| Role, as the company describes itselfEndurance: direct. CARCHEX: broker. | directsource: https://www.endurancewarranty.com/wp-content/uploads/2025/11/VSC-01DE-EDS_ORI_0425_02July25_Sample2.pdf | brokersource: https://www.carchex.com/auto-warranty/faqs/ |
| Legal entityEndurance: Endurance Warranty Services, LLC. CARCHEX: CARCHEX, LLC. | Endurance Warranty Services, LLCsource: https://www.endurancewarranty.com/faq/ | CARCHEX, LLCsource: https://www.carchex.com/about-us/terms/ |
| HeadquartersEndurance: Northbrook, IL. CARCHEX: Baltimore, MD. | Northbrook, ILsource: https://www.endurancewarranty.com/wp-content/uploads/2025/11/VSC-01DE-EDS_ORI_0425_02July25_Sample2.pdf | Baltimore, MDsource: https://www.carchex.com/about-us/ |
| Money-back periodEndurance: 30 days. CARCHEX: 30 days. | 30 dayssource: https://www.endurancewarranty.com/wp-content/uploads/2025/11/VSC-01DE-EDS_ORI_0425_02July25_Sample2.pdf | 30 dayssource: https://www.carchex.com/about-us/ |
| Waiting periodEndurance: 30 days and 1,000 miles. CARCHEX: not published. | 30 days and 1,000 milessource: https://www.endurancewarranty.com/faq/ | not published |
| Lowest deductible printedEndurance: not published. CARCHEX: not published. | not published | not published |
| Deductible options printedEndurance: $100 standard if no deductible is stated on the application page. CARCHEX: a small deductible per repair visit; amounts not published. | $100 standard if no deductible is stated on the application pagesource: https://www.endurancewarranty.com/wp-content/uploads/2025/11/VSC-01DE-EDS_ORI_0425_02July25_Sample2.pdf | a small deductible per repair visit; amounts not publishedsource: https://www.carchex.com/auto-warranty/faqs/ |
| $0 deductible optionEndurance: No (not found on the pages read). CARCHEX: No (not found on the pages read). | No (not found on the pages read)source: not recorded in the provider file | No (not found on the pages read)source: not recorded in the provider file |
| Sample contract online, no contact details askedEndurance: Yes. CARCHEX: No (not found on the pages read). | Yessource: https://www.endurancewarranty.com/sample-contracts/source: https://www.endurancewarranty.com/wp-content/uploads/2025/11/VSC-01DE-EDS_ORI_0425_02July25_Sample2.pdf | No (not found on the pages read)source: not recorded in the provider file |
| Price online without a phone callEndurance: Yes. CARCHEX: No (not found on the pages read). | Yessource: https://buy.endurancewarranty.com/ | No (not found on the pages read)source: not recorded in the provider file |
| Deductible and waiting period both printedEndurance: Yes. CARCHEX: No (not found on the pages read). | Yessource: https://www.endurancewarranty.com/sample-contracts/ ; https://www.endurancewarranty.com/faq/ | No (not found on the pages read)source: not recorded in the provider file |
| Vehicle age limit at purchaseEndurance: 20 model years. CARCHEX: not published. | 20 model yearssource: https://www.endurancewarranty.com/faq/ | not published |
| Mileage limit at purchaseEndurance: No mileage cap stated. CARCHEX: not published. | No mileage cap statedsource: https://www.endurancewarranty.com/faq/ | not published |
| Accepts vehicles past 100,000 milesEndurance: Yes. CARCHEX: not published. | Yessource: https://www.endurancewarranty.com/faq/ | not published |
| Transferable to a new ownerEndurance: Yes, fee: $50 ($40 in Florida per the state amendment). CARCHEX: Yes, fee: usually $50 ($40 for Florida residents). | Yes, fee: $50 ($40 in Florida per the state amendment)source: https://www.endurancewarranty.com/faq/source: https://www.endurancewarranty.com/wp-content/uploads/2025/11/VSC-01DE-EDS_ORI_0425_02July25_Sample2.pdf | Yes, fee: usually $50 ($40 for Florida residents)source: https://www.carchex.com/auto-warranty/faqs/ |
| Refund of unused share after coverage startsEndurance: Yes. CARCHEX: not published. | Yessource: https://www.endurancewarranty.com/wp-content/uploads/2025/11/VSC-01DE-EDS_ORI_0425_02July25_Sample2.pdf | not published |
| Sold in CA, NY, WA, MA, FLEndurance: CA yes; MA no. CARCHEX: CA no. | CA yes; MA nosource: https://www.endurancewarranty.com/faq/ | CA nosource: https://www.carchex.com/auto-warranty/faqs/ |
| States excludedEndurance: MA. CARCHEX: CA. | MAsource: https://www.endurancewarranty.com/faq/ | CAsource: https://www.carchex.com/auto-warranty/faqs/ |
| Texas rosterEndurance: 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 rosterEndurance: 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 rosterEndurance: 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 rosterEndurance: 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 siteEndurance: Yes. CARCHEX: Yes. | Yessource: https://www.endurancewarranty.com/faq/ | Yessource: https://www.carchex.com/about-us/terms/ |
| Obligor namedEndurance: Endurance Dealer Services, LLC (Old Republic Insurance Company in Florida). CARCHEX: Liberty STF, Inc. (named as the provider in the site footer). | Endurance Dealer Services, LLC (Old Republic Insurance Company in Florida)source: https://www.endurancewarranty.com/wp-content/uploads/2025/11/VSC-01DE-EDS_ORI_0425_02July25_Sample2.pdf | Liberty STF, Inc. (named as the provider in the site footer)source: https://www.carchex.com/auto-warranty/faqs/ |
| Backing insurer namedEndurance: Old Republic Insurance Company (contractual liability policy); California MBI underwritten by Security National Insurance Company. CARCHEX: not published. | Old Republic Insurance Company (contractual liability policy); California MBI underwritten by Security National Insurance Companysource: https://www.endurancewarranty.com/wp-content/uploads/2025/11/VSC-01DE-EDS_ORI_0425_02July25_Sample2.pdf ; https://www.endurancewarranty.com/faq/ | not published |
| Founding year on its own siteEndurance: 2006. CARCHEX: 2003. | 2006source: https://www.endurancewarranty.com/about-us/ | 2003source: https://www.carchex.com/about-us/ |
| Government actions, last five yearsEndurance: 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 scoreEndurance: 87 of 100 (A 30, B 30, C 22, D 5). CARCHEX: 40 of 100 (A 0, B 17, C 13, D 10). | 87 of 100 (A 30, B 30, C 22, D 5) | 40 of 100 (A 0, B 17, C 13, D 10) |
Full sheets: Endurance 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.