CARCHEX vs Select Auto Protect

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.

Founded in 2020 and headquartered in Wilmington, Delaware, Select Auto Protect is a direct provider of vehicle service contracts specializing in high-mileage and older vehicle coverage. Unlike many extended warranty companies that impose strict eligibility limits, they accept vehicles of any age and mileage, provided the car is in good working condition at the time of purchase. A major differentiator is their unlimited claims policy, with no stated annual or lifetime cap on approved repairs. The company structures its coverage into three stated-component tiers: Silver, Gold, and Platinum. While the Platinum plan is their most comprehensive offering, Select Auto Protect does not provide an exclusionary bumper-to-bumper contract. Plans include benefits such as 24/7 roadside assistance, rental car reimbursement, trip interruption coverage, and direct payment to ASE-certified repair shops nationwide. Pricing is generally positioned on the more affordable side of the market, with many plans reportedly falling between $1,000 and $3,000. Customer feedback is mixed. Many customers praise the company’s sales experience, affordability, and willingness to cover vehicles rejected elsewhere, while others report inconsistencies in claims processing, communication, and cancellation experiences.