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.
Methodology
How we score vehicle service contract companies
Every score on this site is the sum of points from one table. Each point depends on a fact that anyone can check: a page the company published, a state roster, or a government record. Here is the table, the arithmetic, where the facts come from, what we leave out, and how we make money.
The rubric, 100 points
| What we check | Points |
|---|---|
| A. Transparency | 30 |
| A sample contract or full terms you can open without entering a name, phone number or email | 15 |
| A price you can get online without a phone call | 10 |
| Both the deductible and the waiting period printed on the public site | 5 |
| B. Consumer terms | 35 |
| Money-back window: 30 days or more 12; 1 to 29 days 6; none or not stated 0 | 12 |
| Waiting period: none 8; 30 days or less 8; 31 to 60 days 4; longer 0 | 8 |
| Contract transferable to a new owner | 5 |
| A $0 deductible option | 5 |
| A pro-rata refund after the money-back window, stated | 5 |
| C. Standing | 25 |
| Listed on the service contract rosters of Texas, Minnesota, New York and Nevada: 4 states 12, 3 states 9, 2 states 6, 1 state 3, none 0 | 12 |
| Legal entity name printed on the public site | 5 |
| Obligor or backing insurer named on the public site or sample contract | 8 |
| D. Public record | 10 |
| Regulator orders, attorney general settlements, FTC or FCC actions naming the company on a .gov source in the last five years: none found 10, one 5, two or more 0 | 10 |
A field the company does not publish scores 0. That is deliberate: a term you cannot read before you pay is a term you cannot hold anyone to. The figure out of 5 shown beside each score is the score divided by 20, rounded to one decimal.
The arithmetic, worked through
A hypothetical company, to show how the sum works (it is not a row in the table): it posts a sample contract (15), quotes only by phone (0) and prints its deductible and waiting period (5), so A is 20. It gives 30 days to cancel for a full refund (12), a 30-day waiting period (8), transfers for a fee (5), prints no $0 deductible (0) and states a pro-rata refund (5), so B is 30. It is on two of the four rosters (6), prints its legal entity (5) and does not name its obligor (0), so C is 11. One regulator order in five years makes D 5.
20 + 30 + 11 + 5 = 66 of 100, shown as 3.3 of 5.
Ties are broken alphabetically by company name. The order is never adjusted by hand, and no company can buy a point. Every score on the site is produced by one script, tools/score_providers.py, run against the provider file.
Where the facts come from
- Company pages. Each company's own FAQ, terms, about page and sample contracts. Every fact in the provider file carries the URL it was read on and its pull date. The first full pull is dated October 16, 2026.
- Texas. TDLR service contract provider licenses, the open dataset at data.texas.gov (resource 7358-krk7), updated September 19, 2026, read October 16, 2026.
- Minnesota. The Department of Commerce active service contract provider list and its vehicle protection product warrantor list (PDFs dated October 23, 2025), read October 16, 2026.
- New York. The Department of Financial Services service contract provider table, licensing cycle March 1, 2025 to February 28, 2027, read October 16, 2026.
- Nevada. The Division of Insurance provider map, layer titled July 2025, read October 16, 2026.
- Public record. Only government primary sources: state regulators, attorneys general, the FTC and the FCC.
We match roster names to companies by their printed name, then by name prefix, then by a short list of known trade names. A company that sells under one name and registers under another (often its obligor) may show fewer roster listings than it holds. If the company names its obligor, we can match that name too.
What is not scored
No reviews, no cost, no customer service. We do not use star ratings, complaint counts from review platforms, accreditation grades, award badges or survey results, and we did not run secret-shopper calls or count hours of research. Prices for these contracts depend on the vehicle, its mileage and the state, and a quote is personal, so a price ranking would not survive contact with your own car. Customer experience cannot be checked from the outside. What a company puts in writing can.
How this site is paid
The Service Contract Report is published by OwnersFirm. Click 4 Coverage is an OwnersFirm client and pays for placement. It gets a card labeled Paid placement above each ranked table, and its row inside the table is scored by the rubric above like every other company's. It does not get a hand-placed rank. No other company on the site paid to appear.
Links to Click 4 Coverage go through a short address on this site (/go/) so we can count clicks from each page. They are marked sponsored. We do not collect your name, phone number or email, and the site has no forms.
Corrections
Each refresh re-reads the cited pages. When a company changes a published term, the row and its date change and the score follows the rubric. If a term we print does not match the page it cites, the page wins and we correct the row at the next refresh. We do not change a score because a company asks, advertises or pays; the only way to move a score is to change what is published.