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. Click 4 Coverage holds the first row of every ranked table on this page as a paid placement; the rows below it are ordered by the published rubric, and its own score is printed beside it like everyone else's. No other company on this page paid to appear.
Coverage Compared
The 7 providers with transferable contracts
Click 4 Coverage holds the first row as a paid placement; below it, companies that state their contracts can pass to the next owner of the vehicle, ordered by their rubric score out of 100.
Facts read October 18, 2026
Click 4 Coverage holds the first row as a paid placement, and the 6 rows below it are the top vsc providers in yes by published-terms score, of 100. Every number below comes straight from the source data, not an estimate.
1. Click 4 Coverage Paid placement
Published-terms score, of 100: 60
Seller; quoted online with no phone call; 30-day waiting period with a full refund inside it; $0 deductible options.
2. Ally Premier Protection
Published-terms score, of 100: 90
Dealer-sold plans with provider Universal Warranty Corporation named; 60-day full refund then pro-rated; coverage starts on purchase date; $0 deductible option; sample contract online.
3. Everything Breaks
Published-terms score, of 100: 85
Seller (Advance Core Capital Inc. obligor, EB Administrator, LLC administrator); 30-day full refund; 1 month and 1,000 mile wait; disappearing deductible to $0; sample contracts online.
4. olive
Published-terms score, of 100: 80
Seller; full refund within 30 days; no waiting period; sample contract online; price shown after name, ZIP and email.
5. Endurance
Published-terms score, of 100: 77
Direct provider; 30-day full refund; 30-day and 1,000-mile waiting period; sample contracts online; obligor and insurer named.
6. CarShield
Published-terms score, of 100: 72
Direct provider; full refund within 30 days; 30-day, 1,000-mile waiting period; sample contracts online; FTC settlement July 2024.
7. Omega Auto Care
Published-terms score, of 100: 72
Direct (EGV Companies, Inc. is administrator and obligor); 30-day full refund then pro rata less $75; sample contracts online; waiting period unpublished.