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A cut of the provider table
Direct vehicle service contract providers that handle their own claims
Companies that describe themselves as the provider or administrator, not a reseller of someone else's contract, ordered by rubric score.
The Service Contract Report ranked 6 vsc providers in direct, sorted by published-terms score, of 100. Every number below comes straight from the source data, not an estimate.
1. 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.
2. 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.
3. 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.
4. 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Inc. is administrator and obligor); 30-day full refund then pro rata less $75; sample contracts online; waiting period unpublished.
5. Select Auto Protect
Published-terms score, of 100: 63
Direct obligor (Select Auto, Inc.); 30-day money-back; 30-day/1,000-mile waiting period in sample contract; sample contract online; Oklahoma cease-and-desist Jan 2025.
6. Route 66 Extended Warranty
Published-terms score, of 100: 58
Sold only through financial institutions; $0 deductible; 30-day money-back then pro-rata refund; coverage starts on purchase day; insured by American Bankers Insurance Company.