The Service Contract Report
Staged edition. Company facts read through October 16, 2026. Published by OwnersFirm.

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.

A cut of the provider table

Vehicle service contract companies with a $0 deductible option

Click 4 Coverage holds the first row as a paid placement; below it, companies that print a $0 deductible choice on their own site, ordered by rubric score.

Click 4 Coverage holds the first row as a paid placement, and the 5 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. 1. Click 4 Coverage

    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. 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. 3. 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.

  4. 4. Empire Auto Protect

    Published-terms score, of 100: 50

    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.

  5. 5. Fidelity Warranty Services

    Published-terms score, of 100: 42

    Dealer-sold administrator (JM&A Group); deductible $0 to $250; insured by Courtesy Insurance Company; no public sample contract; waiting period unpublished.

  6. 6. Veritas Global Protection

    Published-terms score, of 100: 42

    Dealer-sold administrator with an affiliated obligor; $0 deductible option on Select; eligible up to 250,000 miles and current year plus 20 model years; no sample contract or waiting period published.