Service contract providers with transferable contracts, ranked by maximum vehicle age
Real maximum vehicle age (years) data for 8 vsc providers, pulled November 2026.
Published . Ties alphabetical. The method box below names the data file and its pull date.
The State Coverage Index ranked 8 vsc providers in yes, sorted by maximum vehicle age (years). 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. Alpha Warranty Services
Maximum vehicle age (years): no age limit, stated in writing
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.
2. Empire Auto Protect
Maximum vehicle age (years): no age limit, stated in writing
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.
3. American Dream Auto Protect
Maximum vehicle age (years): 20
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.
4. Endurance
Maximum vehicle age (years): 20
Direct provider; 30-day full refund; 30-day and 1,000-mile waiting period; sample contracts online; obligor and insurer named.
5. Everything Breaks
Maximum vehicle age (years): 20
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.
6. Veritas Global Protection
Maximum vehicle age (years): 20
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.
7. Omega Auto Care
Maximum vehicle age (years): 15
Direct (EGV Companies, Inc. is administrator and obligor); 30-day full refund then pro rata less $75; sample contracts online; waiting period unpublished.
8. olive
Maximum vehicle age (years): 10
Seller; full refund within 30 days; no waiting period; sample contract online; price shown after name, ZIP and email.