trusted formCARCHEX vs CarShield vs Endurance vs Fidelity Warranty Services | Several.com
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CARCHEX vs CarShield vs Endurance vs Fidelity Warranty Services

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Pros
  • Relationship with multiple VSC
  • Trip interruption reimbursement
  • Flexibility of warranty options
  • Refund upon contract cancellation
  • Choose your own repair shop
Pros
  • Affordable prices
  • 24/7 roadside assistance
  • Trip interruption reimbursement
  • Transferable warranties
  • Accepts high-mileage vehicles
Pros
  • 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
Pros
  • Rental car reimbursement
  • Nationwide coverage
  • Transferable coverage
  • Many other protection plans
  • EV and hybrid coverage
Cons
  • Does not cover all cars
  • May be more expensive than others
  • They are brokers, not administrators
Cons
  • May not cover hybrid vehicles
  • May not cover entire cost of repairs
  • Strained relationship with BBB
  • Doesn't offer services in California
Cons
  • 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
Cons
  • Roadside assistance is not included in their 3 main plans
  • Only available through dealerships
  • Less transparent- no sample contracts online
  • Less plan benefits compared to other VSCs
Summary

CARCHEX boasts a great reputation and excellent customer service, among their many advantages. CARCHEX has been helping people protect their vehicles since 2004. They have an A+ rating from the Better Business Bureau and have been consistently ranked as one of the best extended warranty companies in the industry. If you own a vehicle with high mileage, CARCHEX is an especially good option for you.

Summary

CarShield is one of the most well-known brands in the vehicle service contract industry. They offer a variety of cost-effective packages and a very high mileage limit. With CarShield, you can choose the coverage that best fits your needs and budget. And because CarShield has a high mileage limit, you can rest assured that your car will be protected for years to come.

Summary

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.

Summary

Fidelity Warranty Services has been in the business of auto warranties since 1978! They provide coverage for high-mileage vehicles in the United States and Canada, as sold through authorized dealers. Their extensive experience and wide-reaching coverage make them a trusted choice for car owners with older vehicles.

Quick Stats
  • BBB Rating : A+
  • Maximum Mileage : 250,000 miles
  • Money-Back Guarantee : Yes
  • Number of Plans Available : 5
  • Waiting Period : 30 days
  • Operating Status : Active
Quick Stats
  • BBB Rating : D
  • Maximum Mileage : 300,000 miles
  • Money-Back Guarantee : Yes
  • Number of Plans Available : 7
  • Waiting Period : 25 to 40 days
  • Operating Status : Active
Quick Stats
  • 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
Quick Stats
  • BBB Rating : A-
  • Maximum Mileage : Undisclosed
  • Money-Back Guarantee : N/A
  • Number of Plans Available : 5
  • Waiting Period : N/A
  • Operating Status : Active
Selling Points
  • Services backed by industry standard-bearers like Kelley Blue Book, CARFAX, RepairPal, and Edmunds.com
  • Covers cars with up to 250,000 miles on them
  • Choose your own repair shop
  • Trip interruption reimbursement
  • Available in California and all states
  • Long contract terms of up to 10 years
Selling Points
  • Affordable plans that can be tailored to your budget and coverage needs
  • Monthly & term period contracts
  • Coverage for most vehicle types (cars, EVs, trucks, SUVs, motorcycles, and all-terrain vehicles (ATVs))
  • Covers luxury vehicle and high-end components
  • Cars with up to 300,000 miles are covered
  • Easy-to-use mobile app
  • Get a discount of up to $360 yearly
Selling Points
  • 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
Selling Points
  • Higher contract term limits
  • High-mileage vehicles covered
  • Many associated protection products
  • EV & hybrid coverage
Coverage & Plan Flexibility
  • High-mileage
  • Exclusionary
  • Powertrain
  • Undisclosed
    $0 deductible option
  • Commercial/rideshare
  • EV/hybrid components
  • Undisclosed
    No waiting period
  • Undisclosed
    Option with free maintenance benefits
  • Undisclosed
    Transferable
Coverage & Plan Flexibility
  • High-mileage
  • Exclusionary
  • Powertrain
  • Undisclosed
    $0 deductible option
  • Commercial/rideshare
  • EV/hybrid components
  • Undisclosed
    No waiting period
  • Undisclosed
    Option with free maintenance benefits
  • Undisclosed
    Transferable
Coverage & Plan Flexibility
  • High-mileage
  • Exclusionary
  • Powertrain
  • $0 deductible option
  • Commercial/rideshare
  • EV/hybrid components
  • No waiting period
  • Option with free maintenance benefits
  • Undisclosed
    Transferable
Coverage & Plan Flexibility
  • High-mileage
  • Exclusionary
  • Powertrain
  • Undisclosed
    $0 deductible option
  • Commercial/rideshare
  • EV/hybrid components
  • Undisclosed
    No waiting period
  • Undisclosed
    Option with free maintenance benefits
  • Undisclosed
    Transferable
Claims & Repair Experience
  • Undisclosed
    24/7 roadside assistance
  • Undisclosed
    Any licensed repair shop
  • Direct shop payment
  • In-network repair network
  • Undisclosed
    Mobile app for claims
  • Undisclosed
    Online claims portal
  • Undisclosed
    Trip interruption coverage
Claims & Repair Experience
  • Undisclosed
    24/7 roadside assistance
  • Undisclosed
    Any licensed repair shop
  • Direct shop payment
  • In-network repair network
  • Undisclosed
    Mobile app for claims
  • Undisclosed
    Online claims portal
  • Undisclosed
    Trip interruption coverage
Claims & Repair Experience
  • 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
Claims & Repair Experience
  • Undisclosed
    24/7 roadside assistance
  • Undisclosed
    Any licensed repair shop
  • Direct shop payment
  • In-network repair network
  • Undisclosed
    Mobile app for claims
  • Undisclosed
    Online claims portal
  • Trip interruption coverage
Customer Support & Transparency
  • Phone
  • 24/7 customer support
  • Email
  • FAQs / Educational resources
  • Live Chat
  • Mobile Application
  • Undisclosed
    Online quote without phone
  • Sample contracts online
Customer Support & Transparency
  • Phone
  • 24/7 customer support
  • Undisclosed
    Email
  • FAQs / Educational resources
  • Undisclosed
    Live Chat
  • Mobile Application
  • Undisclosed
    Online quote without phone
  • Sample contracts online
Customer Support & Transparency
  • Phone
  • 24/7 customer support
  • Email
  • FAQs / Educational resources
  • Live Chat
  • Mobile Application
  • Online quote without phone
  • Sample contracts online
Customer Support & Transparency
  • Phone
  • Undisclosed
    24/7 customer support
  • Email
  • FAQs / Educational resources
  • Undisclosed
    Live Chat
  • Mobile Application
  • Undisclosed
    Online quote without phone
  • Undisclosed
    Sample contracts online
Contract & Payment Terms
  • Contract (lump-sum) payments
  • Undisclosed
    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
Contract & Payment Terms
  • 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
Contract & Payment Terms
  • 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
Contract & Payment Terms
  • Undisclosed
    Contract (lump-sum) payments
  • Pay-in-full discount
  • Undisclosed
    Month-to-month payments
  • Undisclosed
    Cancellation fee
  • Undisclosed
    Multi-vehicle discount
  • Undisclosed
    Price lock guarantee
  • *Not all payment methods are available in all states
  • *Some payment methods may incur additional fees
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