Auto Warranty
Top Companies in 2026
Endurance vs Everything Breaks
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- 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
- Five coverage levels ranging from basic powertrain to exclusionary protection
- Online quote process available without requiring an immediate sales call
- Roadside assistance, rental reimbursement, and trip interruption benefits, included with plans
- Coverage available for certain hybrid vehicle components on higher-tier plans
- BBB-accredited provider with publicly available contract documents
- 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
- Customer reviews frequently mention claims and communication challenges
- Standard pricing is not published online
- Cancellation fees may apply depending on contract circumstances
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.
Everything Breaks is a Dallas, Texas-based vehicle service contract provider founded in 2014. They offer a range of protection plans designed to help drivers manage the cost of unexpected vehicle repairs after factory warranty coverage expires. Unlike many competitors that focus on long-term agreements, they are known for their renewable month-to-month coverage model, giving customers an alternative approach to vehicle protection. Their lineup includes five coverage levels, ranging from basic powertrain protection to exclusionary coverage that protects most mechanical and electrical components unless specifically excluded in the contract. Additional benefits may include roadside assistance, rental car reimbursement, trip interruption coverage, and access to licensed repair facilities. The provider also makes sample contracts publicly available, allowing prospective customers to review coverage terms, exclusions, and contract requirements before purchasing a plan. Everything Breaks is accredited by the Better Business Bureau and holds an A+ BBB rating. Customer feedback across platforms such as BBB, Trustpilot, and Yelp presents a mixed picture, with reviewers praising helpful customer service representatives while others report concerns related to claims handling, communication, billing, and cancellations. This combination of flexible coverage options, contract transparency, and varied customer experiences makes the provider worth a closer look before making a coverage decision.
- 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
- BBB Rating : A+
- Money-Back Guarantee : Available (Full refund within 30 days if no claims have been filed)
- Number of Plans Available : 5
- Waiting Period : 30 days/1,000 miles
- Operating Status : Active
- Deductible Range : $100
- 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
- Renewable month-to-month vehicle service contracts instead of traditional multi-year agreements
- Public access to sample contracts before purchase, allowing shoppers to review terms and exclusions in advance
- Vehicle, home, appliance, and electronics protection available through the same provider
- Flexible coverage structure designed to accommodate both lower-mileage and higher-mileage vehicles
- High-mileage
- Exclusionary
- Powertrain
- $0 deductible option
- Commercial/rideshare
- EV/hybrid components
- No waiting period
- Option with free maintenance benefits
- Transferable—Undisclosed
- High-mileage
- Exclusionary
- Powertrain
- $0 deductible option—Undisclosed
- Commercial/rideshare—Undisclosed
- 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—Undisclosed
- Mobile app for claims
- 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
- 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—Undisclosed
- Pay-in-full discount—Undisclosed
- Month-to-month payments
- Cancellation fee
- Multi-vehicle discount—Undisclosed
- Price lock guarantee—Undisclosed
- *Not all payment methods are available in all states
- *Some payment methods may incur additional fees
Endurance vs. Everything Breaks
When choosing extended auto warranties for your vehicle, both Endurance and Everything Breaks stand out as key players in the industry. Each provider offers unique features and benefits to protect drivers from unexpected repair costs; however, their specifics vary.
This comparison explores the coverage plans, pricing structures, standout benefits, and potential drawbacks of both companies, helping you determine which might be the better fit for your vehicle.
Coverage plans and options
Both Endurance and Everything Breaks offer five warranty plans to provide extensive coverage for vehicle owners. They include options for critical systems such as the engine, transmission, hybrid components, and exclusionary plans that mimic manufacturer warranties. Additionally, both providers offer perks like rental reimbursement and roadside assistance, ensuring customers have support in case of unexpected breakdowns. These similarities make both companies reliable choices for protecting vehicles against costly repairs.
Despite their shared focus on comprehensive coverage, the structure and terms of their plans differ significantly. Endurance provides long-term coverage options, extending to eight years, while Everything Breaks caps their contracts at three years. Endurance also offers a unique Supreme Wrap plan to complement manufacturer warranties and additional flexibility with hybrid and high-tech add-ons.
On the other hand, Everything Breaks emphasizes affordability and simplicity, with upfront pricing and flexible contract durations, including monthly and annual options.
Pricing
Pricing also varies significantly between these providers. Endurance offers quote-based pricing tailored to individual vehicle specifications, with costs typically ranging between $70 and $125 per month. Discounts are available for military personnel, government employees, and first-time callers, but exact pricing requires direct interaction with their team.
Everything Breaks, however, provides more transparent pricing upfront. Their plans start at $29.88 per month for the Critical Coverage Plan and go up to $99.88 monthly for the Top-Line Plan.
Standout benefits
Endurance and Everything Breaks share notable standout benefits that appeal to drivers seeking comprehensive warranty coverage. Both providers include roadside assistance and rental car reimbursement, ensuring support during breakdowns. Additionally, both offer flexibility in coverage, accommodating older vehicles and varying levels of protection to suit customer needs.
However, the differences in their standout benefits set them apart. Endurance is a direct provider that streamlines claims and customer support by eliminating intermediaries. They also offer trip interruption coverage and customizable plans tailored to specific vehicle types, such as hybrid or commercial vehicles.
Conversely, Everything Breaks focuses on affordability and accessibility, offering budget-friendly plans, monthly contract options, and online claims processing. They also provide transferable warranties and a 30-day money-back guarantee.
Potential drawbacks
Neither provider covers pre-existing conditions or issues that exist before purchasing the warranty, which is standard across most extended warranty providers. Additionally, both companies have limitations in their terms and conditions, requiring careful review to avoid misunderstandings.
Endurance is also more expensive than other providers, which may deter budget-conscious individuals. While their plans cover older vehicles, they may not be as comprehensive as those competitors offer for the same price.
Everything Breaks, in contrast, has a shorter maximum term of three years, limiting long-term coverage options, and imposes a $75 cancellation fee, which is higher than most competitors. Additionally, customers have reported that Everything Breaks’ terms and conditions can be challenging to navigate.
Conclusion
In conclusion, Endurance is better suited for drivers seeking long-term, customizable coverage with a wide range of benefits, while Everything Breaks appeals to those who prioritize affordability and flexibility.
Both providers have their merits, but the best choice will depend on your specific vehicle needs, budget, and willingness to navigate the details of each contract.
It is important to compare quotes from both companies to get a clearer picture of which plan best meets your expectations.
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