Auto Warranty
Top Companies in 2026
ASC Warranty vs Endurance
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- Nearly four decades of experience in the vehicle service contract industry
- Nationwide access to participating dealerships and ASE-certified repair shops
- Roadside assistance and travel-related benefits are included with many plans
- Transferable contracts that may help preserve resale value
- Direct provider with in-house claims handling
- Unlimited mileage on most plans
- Free first year of Elite Benefits
- Online quotes without a phone call
- Transferable coverage
- Accepts salvage and rebuilt titles
- Interest-free payment plans available
- Coverage terms and financing options can vary by dealership
- Some customer complaints involve payout limits and coverage disputes
- Additional costs, such as diagnostics, fluids, and taxes, may remain the customer's responsibility
- May deny claims based on maintenance record requirements
- 30-day/1,000-mile waiting period before coverage begins
- Aftermarket or used parts may replace OEM
- No weekend customer service hours
- Not available as direct-to-consumer in Massachusetts
- EV and hybrid batteries explicitly excluded
ASC Warranty is a vehicle service contract provider founded in 1986 and headquartered in Mountain Home, Arkansas. They primarily distribute coverage through dealerships across the United States and offer several protection levels, ranging from basic drivetrain plans to exclusionary coverage designed to resemble a factory warranty. Their contracts are backed by an A-rated insurance carrier and often include additional benefits such as 24/7 roadside assistance, rental car reimbursement, and trip interruption coverage. One feature that distinguishes the provider is their combination of long industry experience and flexible repair options, allowing customers to use participating dealerships and ASE-certified repair facilities nationwide. Coverage can also be transferred to a subsequent owner under certain conditions, which may add value when selling a vehicle. ASC Warranty is accredited by the Better Business Bureau and holds an A+ rating. Customer feedback on Google Reviews and the BBB is generally favorable, with many reviewers praising the claims process and customer service team. At the same time, some complaints focus on coverage limitations and out-of-pocket expenses. Those factors, along with the company's contract options and pricing structure, are explored in greater detail throughout this review.
Founded in 2006 and headquartered in Northbrook, Illinois, Endurance Warranty Services has grown into one of the largest independent direct providers of vehicle service contracts in the United States. Unlike brokers that resell plans from third-party administrators, Endurance underwrites and administers most of its own contracts, meaning there's no middleman between you and the company handling your claim. The company offers six distinct coverage tiers, ranging from basic powertrain protection to exclusionary near-factory coverage, plus a unique Advantage plan that bundles up to $3,500 in annual maintenance benefits. Endurance is one of the few providers offering unlimited mileage on most plans and accepts vehicles up to 20 years old, making them a rare option for high-mileage drivers and owners of older cars. They offer MBI coverage to California residents instead of traditional service contracts. All plans include perks like 24/7 roadside assistance, rental car reimbursement, and trip interruption coverage, as well as a free first year of Elite Benefits. Customer feedback is mixed, but Endurance holds an A rating from the BBB and is accredited.
- BBB Rating : A+
- Maximum Mileage : 120,000
- Money-Back Guarantee : Available
- Number of Plans Available : 4
- Operating Status : Active
- Deductible Range : $0–$200 (varies by contract)
- BBB Rating : A
- Maximum Mileage : Unlimited
- Money-Back Guarantee : Available (30 days)
- Number of Plans Available : 6
- Waiting Period : 30 days / 1,000 miles
- Operating Status : Active
- Deductible Range : $0–$200
- Factory Type Coverage plan uses an exclusionary format similar to a manufacturer's warranty
- Contracts are backed by an A-rated insurance carrier for added financial security
- Long-standing BBB accreditation dating back to 1987
- Coverage is available through a large network of dealerships across the United States
- Risk-Free 30-Day Money-Back Guarantee
- Your Choice of Any ASE-Certified Mechanic or Dealership
- 1 Year of Free Elite Benefits
- Coverage for Vehicles Up to 20 Years / 200K Miles
- High-mileage
- Exclusionary
- Powertrain
- $0 deductible option
- Commercial/rideshare
- EV/hybrid components
- No waiting period
- Option with free maintenance benefits
- Transferable
- High-mileage
- Exclusionary
- Powertrain
- $0 deductible option
- Commercial/rideshare
- EV/hybrid components
- No waiting period
- Option with free maintenance benefits
- Transferable
- 24/7 roadside assistance
- Any licensed repair shop
- Direct shop payment
- In-network repair network
- Mobile app for claims
- Online claims portal
- Trip interruption coverage
- 24/7 roadside assistance
- Any licensed repair shop
- Direct shop payment
- In-network repair network
- Mobile app for claims
- Online claims portal
- Trip interruption coverage
- Phone
- 24/7 customer support
- FAQs / Educational resources
- Live Chat
- Mobile Application
- Online quote without phone
- Sample contracts online
- Phone
- 24/7 customer support
- FAQs / Educational resources
- Live Chat
- Mobile Application
- Online quote without phone
- Sample contracts online
- Contract (lump-sum) payments
- Pay-in-full discount
- Month-to-month payments
- Cancellation fee—Undisclosed
- Multi-vehicle discount
- Price lock guarantee
- *Not all payment methods are available in all states
- *Some payment methods may incur additional fees
- Contract (lump-sum) payments
- Pay-in-full discount
- Month-to-month payments
- Cancellation fee
- Multi-vehicle discount
- Price lock guarantee
- *Not all payment methods are available in all states
- *Some payment methods may incur additional fees
ASC Warranty vs. Endurance
When it comes to extended auto warranties, ASC Warranty and Endurance are two well-known providers that offer different approaches to vehicle protection. While both companies provide coverage for unexpected repairs and breakdowns, their plans, pricing, and customer service models differ.
This comparison explores their coverage plans, pricing structures, standout benefits, and potential drawbacks to help you determine which might be the better fit for your vehicle.
Coverage plans and options
Both ASC Warranty and Endurance provide a range of vehicle service contracts designed to cover major repairs, including engine, transmission, and electrical system failures. They also offer additional benefits such as rental car reimbursement and roadside assistance, ensuring customers receive support in case of breakdowns.
However, their plan structures differ significantly. In the case of ASC Warranty, there are four main coverage levels: Drivetrain Plus, Platinum Drivetrain, Deluxe Coverage, and Factory-Type Coverage. Their Factory-Type Coverage is the most comprehensive, mimicking manufacturer warranties, while the Drivetrain Plus plan covers only essential powertrain components. ASC also provides supplemental coverage that can extend factory powertrain warranties.
Endurance, on the other hand, provides five customizable plans: Secure, Secure Plus, Superior, Supreme, and Supreme Wrap. Their Supreme plan is an exclusionary policy covering nearly all vehicle components, whereas Secure is their most affordable powertrain plan. Additionally, Endurance offers optional high-tech, hybrid vehicle, and commercial-use add-ons.
Pricing
ASC Warranty does not provide quotes online; pricing depends on the dealership where the policy is purchased. On average, ASC plans range between $600 and $1,000 for six months of coverage, but specific pricing details require direct inquiries.
Endurance follows a quote-based pricing model, offering plans between $70 and $125 per month, depending on the vehicle’s make, model, and mileage. They provide various discounts, including military, government employee, and first-time caller discounts.
Standout benefits
Both companies offer several benefits, but their standout features cater to different priorities:
ASC Warranty’s strongest benefits include:
- $0 deductible on all plans, eliminating out-of-pocket expenses for covered repairs
- Live chat support, an uncommon feature among warranty providers, allowing quick access to customer service
- Supplemental warranty coverage that extends factory powertrain protection
- On-the-spot payment for repairs, meaning customers don’t have to pay upfront and wait for reimbursement
Endurance’s strongest benefits include:
- Direct provider model, eliminating third-party administrators and simplifying claims
- Elite Benefits package, which includes tire replacement, collision discounts, and key fob replacement
- Customizable plans with hybrid and commercial vehicle add-ons, making coverage more flexible
- A mobile app and online portal for easy contract management
Potential drawbacks
Neither provider covers pre-existing conditions or routine maintenance, which is standard across most extended warranty companies. However, each has unique disadvantages to consider:
ASC Warranty’s drawbacks include:
- No online quote tool, requiring customers to visit a dealership for pricing
- Limited mileage coverage (up to 120,000 miles), whereas competitors, including Endurance, offer coverage for vehicles up to 250,000 miles
- Lack of transparency, as plan details, pricing, and waiting periods are not clearly listed on their website
Endurance’s drawbacks include:
- Higher pricing, making them less suitable for budget-conscious consumers
- Some customer complaints regarding the claims process, with occasional delays or disputes over covered repairs
- Additional fees for high-tech and commercial vehicle coverage, which other companies may include as standard
Conclusion
Both ASC Warranty and Endurance provide solid extended warranty coverage, but their differences make them better suited for different types of customers:
ASC Warranty is ideal for those who prefer dealership-based warranties and a $0 deductible, especially if they purchase a new car and want to extend the factory powertrain warranty.
Endurance is a better option for those looking for a direct provider with flexible, customizable plans and transparent pricing.
Ultimately, Endurance is the better choice for those who want comprehensive coverage, digital access to plan details, and more control over their contract. However, ASC Warranty appeals to those who want straightforward coverage with no deductibles and dealership-backed security.
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