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. Where a card for it appears on this page, that card is advertising. Its row in any table is scored by the same published rules as every other company. No other company on this page paid to appear.
Vehicle service contracts, ranked
Start with the name. What gets sold as an extended car warranty is almost always a vehicle service contract: a promise from a company, not your carmaker, to pay for certain repairs after you pay a deductible. It is not a warranty and usually not insurance, and the contract you sign is the only thing that counts. So we ranked the companies on what you can check before you buy: what each one puts in writing.
Key takeaways
The comparison table
"Not published" means we looked on the company's pages and did not find the term. The paying client sits at the row its score earned, marked advertiser.
| # | Company | Score | Role | Money-back | Waiting period | Sample contract online | Price without a call | Transferable | State rosters |
|---|---|---|---|---|---|---|---|---|---|
| 1 | olive | 4.5 of 5 | seller | 30 days | none | yes | yes | yes | 4 of 4 (TX, MN, NY, NV) |
| 2 | Endurance | 4.3 of 5 | direct | 30 days | 30 days and 1,000 mi | yes | yes | yes | 3 of 4 (TX, MN, NY) |
| 3 | Everything Breaks | 4.2 of 5 | seller | 30 days | 30 days and 1,000 mi | yes | no | yes | 4 of 4 (TX, MN, NY, NV) |
| 4 | Omega Auto Care | 3.6 of 5 | direct | 30 days | not published | yes | no | yes | 4 of 4 (TX, MN, NY, NV) |
| 5 | Select Auto Protect | 3.1 of 5 | direct | 30 days | 30 days and 1,000 mi | yes | no | yes | 0 of 4 |
| 6 | Click 4 Coverage advertiser | 3.0 of 5 | seller | 30 days | 30 days | no | yes | yes | 0 of 4 |
| 7 | Route 66 Extended Warranty | 2.9 of 5 | direct | 30 days | none | no | no | yes | 0 of 4 |
| 8 | Alpha Warranty Services | 2.6 of 5 | direct | not published | none | no | no | yes | 4 of 4 (TX, MN, NY, NV) |
| 9 | Empire Auto Protect | 2.5 of 5 | seller | 30 days | 30 days and 1,000 mi | no | no | yes | 0 of 4 |
| 10 | autopom! | 2.2 of 5 | broker | 30 days | 30 days and 1,000 mi | no | no | yes | 0 of 4 |
| 11 | GWC Warranty | 2.2 of 5 | direct | not published | none | no | no | yes | 3 of 4 (TX, MN, NY) |
| 12 | Fidelity Warranty Services | 2.1 of 5 | direct | not published | not published | no | no | yes | 3 of 4 (TX, MN, NY) |
| 13 | CARCHEX | 2.0 of 5 | broker | 30 days | not published | no | no | yes | 0 of 4 |
| 14 | EasyCare | 1.9 of 5 | direct | not published | not published | no | no | yes | 3 of 4 (TX, MN, NY) |
| 15 | Toco | 1.9 of 5 | seller | not published | not published | no | yes | not published | 4 of 4 (TX, MN, NY, NV) |
| 16 | American Dream Auto Protect | 1.8 of 5 | direct | 30 days | 30 days and 1,000 mi | no | no | yes | 0 of 4 |
| 17 | Premier Auto Protect | 1.6 of 5 | direct | 30 days | not published | no | no | yes | 0 of 4 |
| 18 | Assurant Vehicle Care | 1.2 of 5 | direct | not published | not published | no | no | not published | 3 of 4 (TX, MN, NY) |
| 19 | CNA National | 1.1 of 5 | direct | not published | not published | no | no | yes | 1 of 4 (TX) |
| 20 | CarShield site blocked our reads | 0.7 of 5 | not published | not published | not published | not published | not published | not published | 3 of 4 (TX, MN, NY) |
| 21 | Chaiz site blocked our reads | 0.5 of 5 | not published | not published | not published | no | no | not published | 0 of 4 |
Fact sheets
Each sheet splits a score into its four parts and cites its pages. The label is a rubric field, never our opinion. "None found" under public record means our .gov searches came up empty, not that the record is clean.
Row 1
Posts its contract and names its obligor
Read on: olive.com/terms-conditions/ · olive.com/wp-content/uploads/2026/06/QBEAPVSC-01-26-Vehicle-Service-Plan-Terms-and-Conditions-SAMPLE-1.pdf · olive.com/faqs/
Row 2
Posts its contract and names its obligor
Read on: endurancewarranty.com/faq/ · endurancewarranty.com/wp-content/uploads/2025/11/VSC-01DE-EDS_ORI_0425_02July25_Sample2.pdf · endurancewarranty.com/sample-contracts/
Row 3
Posts its contract and names its obligor
Read on: everythingbreaks.com/plan-documents/auto-top-line-sample.pdf · everythingbreaks.com/auto/plans/top-line/ · everythingbreaks.com/quote/
Row 4
Posts its contract and names its obligor
Read on: omegaautocare.com/wp-content/uploads/2020/07/OACExclusionary-2019-V4.pdf · omegaautocare.com/contact-us/ · omegaautocare.com/
Row 5
Posts its contract and names its obligor
Read on: selectautoprotect.com/faq.php · selectautoprotect.com/docx/Select-Auto-Protect-Service-Agreement.pdf · selectautoprotect.com/
Row 6
Prices online without a call
Advertiser. This card is scored the same way as the others.
Read on: www.click-4-coverage.com/ · www.click-4-coverage.com/faq · www.click-4-coverage.com/ ; www.click-4-coverage.com/faq
Row 7
Names its obligor
Read on: route66warranty.com/ · route66warranty.com/contact.asp · route66warranty.com/faq.asp
Before you sign
Your carmaker's warranty comes with the car. A vehicle service contract is a separate purchase from another company that agrees to pay for listed repairs. In a few states, California among them, the same idea is sold as mechanical breakdown insurance.
The ad usually names only the seller. Naming the obligor earns points.
While factory coverage runs, a service contract mostly duplicates it. Look up your own terms before you shop.
Confirm any factory term against your VIN with the manufacturer or a dealer. The clock starts at the vehicle's first sale, not when you bought it, and terms vary by model year, trim and market.
Our advertiser's own guides cover what to do as factory coverage winds down and certified pre-owned coverage versus a service contract. (both links go to Click 4 Coverage).
A caller who claims to know your warranty status, a mailer dressed as an official notice, a price good only today, a contract shown only after you pay. The FTC has brought cases over these tactics. An honest seller lets you read first.
Questions
Usually not. It is almost always a vehicle service contract from a company other than your carmaker, and in some states it is sold as mechanical breakdown insurance. The first page of the contract says which.
The administrator approves the claim and the obligor owes the money, usually paid to the shop after your deductible. A backing insurer may step in if the obligor fails. Ask for those names before you buy.
Because you cannot rely on a term you cannot read. If it is not on the site, you only hear it from a salesperson. Written terms are the ones you can hold a company to.
The order comes from the rubric, not the advertising deal. Click 4 Coverage pays for the labeled card; its row is scored like every other and sits where the score lands. Publishing more of its terms is the only way up.
Usually. The common pattern is a full refund inside a window, often 30 days, then a pro-rata refund, sometimes minus a fee and claims paid. The table shows each published window.
Review platforms restrict reuse of their data, some sell services to the companies they rate, and reviewers cannot be checked. A published term or a state record can be checked by anyone.
The lists
Each list filters or re-sorts the same provider file and the same scores.
More cuts (sample contracts, no-call quotes, $0 deductibles, refund and waiting periods, direct providers) publish as the file grows.
How we score
Transparency 30, consumer terms 35, standing on the Texas, Minnesota, New York and Nevada rosters plus a named entity and obligor 25, public record 10. Ties go alphabetical; the /5 figure is the score divided by 20. Full methodology, sources and how we are paid.