Auto Warranty
Top Companies in 2026
CARCHEX vs Concord Auto Protect
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- Five coverage levels
- Choice of licensed repair facilities
- 24/7 roadside assistance
- Rental and trip interruption benefits
- 30-day money-back guarantee
- Nationwide coverage
- Use any ASE licensed repair shop or car dealer of choice
- Transferable to a new owner
- Generous rental car reimbursement
- No published plan pricing
- Claims handled by third-party administrators
- Contract terms vary by administrator
- Mixed customer feedback
- Not transparent with mileage and age limitations or term coverage
- Can only be transferred once
- Maximum mileage of 130,000
Founded in 1999 and headquartered in Baltimore, Maryland, CARCHEX is a vehicle protection broker that connects customers with vehicle service contracts administered by third-party providers. Their current lineup includes five levels of coverage, ranging from basic Powertrain protection to the exclusionary Titanium plan, along with dedicated coverage for eligible electric vehicles. CARCHEX also offers access to licensed repair facilities and benefits such as towing, rental car reimbursement, and trip interruption coverage on eligible plans. The company has a long history in the extended warranty business and has received recognition, including multiple appearances on the Inc. 5000 list. Their Better Business Bureau profile currently carries an A+ rating, though CARCHEX is not BBB accredited. Customer feedback is mixed. Trustpilot currently lists a 3.2 out of 5 rating based on more than 1,500 customer reviews, while BBB customer ratings are considerably lower. This review looks deeper into CARCHEX’s plans, costs, contract terms, advantages, drawbacks, and customer experiences.
Concord Auto Protect has been in business since 2013. They offer a wide range of coverage options, including mechanical, electrical, and roadside assistance. Their affordable plans are available for all makes and models of vehicles.
- BBB Rating : A+ (Unaccredited)
- Maximum Mileage : 250,000 miles
- Money-Back Guarantee : Yes
- Number of Plans Available : 5
- Waiting Period : Varies by contract
- Operating Status : Active
- BBB Rating : D
- Maximum Mileage : Undisclosed
- Money-Back Guarantee : 30-day money-back guarantee
- Number of Plans Available : 3
- Waiting Period : 30 days
- Operating Status : Active
- Multiple contract administrators
- Dedicated electric vehicle coverage
- Partnerships with CARFAX, Kelley Blue Book & RepairPal
- Coverage options for vehicles over 100,000 miles
- Coverage terms available for up to 10 years
- Trip interruption reimbursement available in all plans
- Generous rental car reimbursement of $75
- Direct administrator of contract services
- 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—Undisclosed
- $0 deductible option—Undisclosed
- Commercial/rideshare
- EV/hybrid components—Undisclosed
- No waiting period—Undisclosed
- Option with free maintenance benefits—Undisclosed
- Transferable—Undisclosed
- 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—Undisclosed
- Any licensed repair shop—Undisclosed
- Direct shop payment
- In-network repair network
- Mobile app for claims—Undisclosed
- Online claims portal—Undisclosed
- 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—Undisclosed
- Sample contracts online
- 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 (lump-sum) payments
- Pay-in-full discount
- Month-to-month payments
- Cancellation fee—Undisclosed
- Multi-vehicle discount—Undisclosed
- Price lock guarantee—Undisclosed
- *Not all payment methods are available in all states
- *Some payment methods may incur additional fees
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