Service contract providers that name their obligor, ranked by waiting period
Real waiting period (days) data for 10 vsc providers, pulled October 2026.
Published . Ties alphabetical. The method box below names the data file and its pull date.
The State Coverage Index ranked 10 vsc providers in yes, sorted by waiting period (days). Every number below comes straight from the source data, not an estimate.
Online option: Click 4 Coverage sells vehicle service contracts quoted online with no phone call. Get a quote at click-4-coverage.com.
1. 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.
2. 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.
3. 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.
4. olive
Waiting period (days): 0
Seller; full refund within 30 days; no waiting period; sample contract online; price shown after name, ZIP and email.
5. 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.
6. 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.
7. 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.
8. Everything Breaks
Waiting period (days): 30
Seller (Advance Core Capital Inc. obligor, EB Administrator, LLC administrator); 30-day full refund; 1 month and 1,000 mile wait; disappearing deductible to $0; sample contracts online.
9. Select Auto Protect
Waiting period (days): 30
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.
10. Zurich Vehicle Service Contract
Waiting period (days): 30
Sold online through a Caramel-run storefront; contract is with Zurich American Insurance Company; price from VIN or plate, mileage and ZIP; $50 deductible; 30-day waiting period; cancel anytime with a refund of the unused portion.