Extended warranty providers, compared
Channel-fit first: the right provider depends on where you're actually buying. We list Kovara's channel-specialist brands alongside the real third-party providers a shopper would compare.
Full provider comparison
All currently-live providers we cover. Use the channel-fit framework on the homepage to narrow by your situation.
| Provider | Channel | Mileage cap | Deductible | Financing | Best for |
|---|---|---|---|---|---|
Vista WarrantyKovara Old Republic Insurance Company | Insurance agent (auto) | unlimited | $100 per visit | 0% for up to 30 months, 5% down, universal approval | Drivers who have (or want to establish) an insurance agent relationship and want coverage tied to the auto policy they already pay for. |
DriveOneKovara Old Republic Insurance Company | Dealer | unlimited | $100 per visit | 0% for up to 30 months, 5% down, universal approval | New car owners working with a service advisor; used-car buyers including buy-here-pay-here customers who want coverage without a finance-office close. |
MemberOne WarrantyKovara Old Republic Insurance Company | Credit union | unlimited | $100 per visit | 0% for up to 30 months, 5% down, universal approval | Credit union members with an active CU auto loan that doesn't already have an existing VSC — sold post-close through the CU's branded member portal at member-benefit pricing. |
MotoOneKovara Old Republic Insurance Company | Direct-to-consumer | unlimited | $100 per visit | 0% for up to 30 months, 5% down, universal approval | Consumers shopping warranty coverage online without a channel relationship — agents, dealers, or credit union. |
American Auto Shield (administrator) | Direct-to-consumer | varies | Varies by plan ($100 typical) | Monthly payment plans, third-party financing available | DTC shoppers comparing multiple tiers and willing to work through a call-center sales process to get pricing. |
Endurance (direct administrator) | Direct-to-consumer | varies | $100 typical | Monthly payment plans | DTC shoppers who value buying from a direct administrator rather than a marketing-first intermediary. |
Varies by plan | Direct-to-consumer | capped | $100 typical | Monthly payment plans | DTC shoppers who want bundled maintenance coverage alongside breakdown protection. |
Repair Ventures / Olive | Direct-to-consumer | capped | Varies by plan | Monthly payment plans | DTC shoppers who value a fast, modern online buying experience and want to avoid call-center sales. |
Channel-specialist brands (Kovara)
Kovara operates 4 brands, each purpose-built for a specific distribution channel. The advantage of a channel specialist is that the product, the pricing, and the sales experience are tuned for that channel — not adapted from a generic template.
- KovaraVista WarrantyDrivers who have (or want to establish) an insurance agent relationship and want coverage tied to the auto policy they already pay for.
- KovaraDriveOneNew car owners working with a service advisor; used-car buyers including buy-here-pay-here customers who want coverage without a finance-office close.
- KovaraMemberOne WarrantyCredit union members with an active CU auto loan that doesn't already have an existing VSC — sold post-close through the CU's branded member portal at member-benefit pricing.
- KovaraMotoOneConsumers shopping warranty coverage online without a channel relationship — agents, dealers, or credit union.
Third-party DTC providers
These are the major direct-to-consumer providers a consumer would also compare. They're legitimate operators serving the DTC channel. If you're shopping online without a channel relationship, they belong in your comparison set alongside MotoOne.
- CarShieldDTC shoppers comparing multiple tiers and willing to work through a call-center sales process to get pricing.Structural limitation: Channel-agnostic DTC model means the consumer does the shopping and comparison work themselves.
- EnduranceDTC shoppers who value buying from a direct administrator rather than a marketing-first intermediary.Structural limitation: DTC-only; no insurance-agent, credit-union, or service-drive channel option.
- Protect My CarDTC shoppers who want bundled maintenance coverage alongside breakdown protection.Structural limitation: DTC-only channel; mileage caps typical on most plans.
- OliveDTC shoppers who value a fast, modern online buying experience and want to avoid call-center sales.Structural limitation: DTC-only; relatively newer brand with less claims-track-record public data.