The rubric
How the score works
Paid placement. Click 4 Coverage is a client of OwnersFirm, which publishes this site and is paid when a reader who arrives from it buys coverage. The card on this page is advertising. Nothing on this page was scored or ordered for it.
100 points. Every one of them traces to a page a company published or a record a government keeps. This page shows the weights, the arithmetic, the sources, how the site is paid and how to correct us.
The rubric
| Part | What earns the points | Points |
|---|---|---|
| A. Transparency | 30 | |
| Sample contract or full terms downloadable without entering personal data | 15 | |
| Price obtainable online without a phone call | 10 | |
| Deductible options and waiting period printed on the public site | 5 | |
| B. Consumer terms | 35 | |
| Money-back period: 30 days or more 12; 1 to 29 days 6; none or unstated 0 | 12 | |
| Waiting period: 30 days or less 8; 31 to 60 days 4; longer 0; no waiting period 8 | 8 | |
| Transferable to a new owner | 5 | |
| A $0 deductible option | 5 | |
| Pro-rata refund after coverage begins, stated | 5 | |
| C. Standing | 25 | |
| On the service contract rosters of Texas, Minnesota, New York and Nevada: 4 states 12, 3 states 9, 2 states 6, 1 state 3 | 12 | |
| Legal entity name printed on the public site | 5 | |
| Obligor or backing insurer named on the public site | 8 | |
| D. Public record | 10 | |
| Regulator consent orders, attorney general settlements, FTC or FCC actions naming the company on a .gov source in the last five years: none 10, one 5, two or more 0 | 10 | |
| Total | 100 | |
The arithmetic, worked once
Here is the advertiser, scored from its own site as read on October 16, 2026. We show it because it is the company paying for the card, and the reader should see that its number is built the same way as everyone else's.
| Field | What its site shows | Points |
|---|---|---|
| Sample contract online | no | 0 of 15 |
| Online quote, no phone call | yes | 10 |
| Deductible and waiting period printed | yes | 5 |
| Money-back | full refund during the 30-day waiting period | 12 |
| Waiting period | 30 days | 8 |
| Transferable | yes, "most" | 5 |
| $0 deductible option | yes | 5 |
| Pro-rata refund | yes | 5 |
| State rosters (TX, MN, NY, NV) | none found | 0 of 12 |
| Legal entity printed | a trading name only | 0 of 5 |
| Obligor named | no | 0 of 8 |
| Public record | none found in three .gov searches | 10 |
| Total | 60 |
Three changes on its own site would move it: a public sample contract (15), its legal entity printed (5), its obligor named (8). The rubric is the same list for every company.
Eligibility on a high-mileage site
The high-mileage lists use three fields that are not scored but decide who is on a list at all. High-mileage eligible is yes only when a company's own site says it accepts a car at 100,000 miles or more at purchase; it is unpublished when the site says nothing. Mileage limit is the highest reading the company prints, "no cap" when it says in writing there is none. Age limit is the oldest vehicle it prints, in years. A company that publishes none of the three is left out of every high-mileage cut. The advertiser publishes none of them today, so it is left out too.
Sources and pull dates
- Company facts: each company's own FAQ, terms, about and sample-contract pages, read company by company. The pull date prints under every table.
- State rosters: Texas (data.texas.gov, Service Contract Provider licenses), Minnesota (Commerce Department provider lists), New York (Department of Financial Services) and Nevada (Division of Insurance), read October 16, 2026.
- Public record: regulator, attorney general, FTC and FCC pages on .gov domains only, last five years. "None found" means the searches came back empty; it is not proof of a clean record.
- Factory terms: the brand warranty table carried from the advertiser's own brand table on October 16, 2026, being checked brand by brand against each maker's warranty page.
- Driving miles by state: Federal Highway Administration, Highway Statistics tables VM-2 and MV-1, latest year both exist.
Tie rule
Equal scores sort alphabetically by company name. Nothing else breaks a tie.
How this site is paid
Click 4 Coverage is a client of OwnersFirm, which publishes this site. OwnersFirm is paid when a reader who arrives from here buys coverage. Every link to the advertiser runs through a /go/ address on this domain so the click can be counted; no other company's link is tracked or paid. The card is labeled "Paid placement" wherever it appears. Its table rows are scored by the rubric above and never placed by hand. If the advertiser should rank higher, the fix is on its own site, not in our file.
What is not scored
No reviews, no cost, no customer service. We do not use review sites or ratings badges for any number. We do not price contracts, because the price on an older car depends on the car, the reading and the plan. We do not grade phone calls or claims experiences we did not have.
Corrections
If a company's own site prints a term that differs from a row here, send OwnersFirm the page address. We read it, change the row if the page supports it, and print the new pull date. We do not change a row on a phone call or an email claim without a published page behind it.
Confirm against your VIN. The factory clock starts at first sale, not at the model year. Terms vary by model year, trim and market.