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 keep this table's published order, and its own figure is printed beside it like everyone else's. No other company on this page paid to appear.
A cut of the provider table
Vehicle service contract companies by waiting period, shortest first
How long each company makes you wait before a claim is covered, as printed on its own pages.
Click 4 Coverage holds the first row as a paid placement, and the 11 rows below it are the top vsc providers by waiting period (days). Every number below comes straight from the source data, not an estimate.
1. Click 4 Coverage Paid placement
Waiting period (days): 30
Seller; quoted online with no phone call; 30-day waiting period with a full refund inside it; $0 deductible options.
2. Ally Premier Protection
Waiting period (days): 0
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. Alpha Warranty Services
Waiting period (days): 0
Dealer- and agent-sold obligor (Alpha Warranty Services, Inc. or United Service Protection, Inc. by state); day one coverage; $100 deductible on Powertrain Plus; ABC program eligible for every model year and mileage; no public sample contract.
4. GWC Warranty
Waiting period (days): 0
Dealer-only provider (APCO Holdings brand); Day One, Mile One coverage on used vehicles; transferable; APCO named issuing provider in FL; no deductible, eligibility or sample contract published.
5. olive
Waiting period (days): 0
Seller; full refund within 30 days; no waiting period; sample contract online; price shown after name, ZIP and email.
6. Route 66 Extended Warranty
Waiting period (days): 0
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.
7. American Dream Auto Protect
Waiting period (days): 30
Direct by its own words (no obligor named); 30-day money-back; typical 30-day and 1,000-mile wait; up to 20 years and 200,000 miles; Florida OIR consent order Feb 2026 for unlicensed sales.
8. autopom!
Waiting period (days): 30
Licensed broker; 30-day full refund then pro-rated; standard 30-day and 1,000-mile waiting period; quote by request or phone.
9. CarShield
Waiting period (days): 30
Direct provider; full refund within 30 days; 30-day, 1,000-mile waiting period; sample contracts online; FTC settlement July 2024.
10. Chaiz
Waiting period (days): 30
Broker marketplace; 30-day money-back; $100 deductible and 30-day, 1,000-mile waiting period printed; prices shown online without contact details.
11. Empire Auto Protect
Waiting period (days): 30
Seller of VSCs administered by Mechanicals Choice; 30-day money-back; 30-day/1,000-mile wait; deductible-free option; no age limit; no sample contract online.
12. Endurance
Waiting period (days): 30
Direct provider; 30-day full refund; 30-day and 1,000-mile waiting period; sample contracts online; obligor and insurer named.