Vehicle protection plans help safeguard car owners against unexpected repair costs. When comparing Endurance and CarShield, two leading providers, there are several key differences to consider.

Endurance Overview

• Direct administrator of protection plans since 2006
• Covers high-mileage vehicles up to 200,000 miles and 20 years old
• Includes commercial vehicles, salvage titles, and luxury vehicles
• Deductibles range from $0-$200 ($500 for Highline plan)
• BBB rating: A- with 4.6/5 stars on Consumer Affairs
• Includes 24/7 roadside assistance, rental car coverage, and Elite Benefits

CarShield Overview

• Vehicle service contract broker founded in 2005
• Plans administered through American Auto Shield
• Covers over 2 million vehicles
• Deductibles range from $0-$200
• BBB rating: 2.33/5 stars with 3.8/5 on Consumer Affairs
• Includes basic roadside assistance and rental car coverage

Key Coverage Plans

Endurance Plans:

• Supreme (comprehensive bumper-to-bumper)
• Supreme for Highline (luxury vehicles)
• Superior (stated component coverage)
• Select Premier (high-mileage vehicles)
• Secure Plus (vital components)
• Secure (basic powertrain)
• Advantage (includes maintenance)

CarShield Plans:

• Diamond (comprehensive)
• Platinum (high-mileage)
• Gold (powertrain plus)
• Silver (basic powertrain)
• Aluminum (electrical/computer)
• Specialty plans for motorcycles, ATVs, and EVs

Claims Process

• Both providers allow repairs at any certified mechanic
• Endurance handles claims directly
• CarShield processes claims through third-party administrator
• Both offer direct payment to repair facilities

Customer Experience Endurance has stronger customer ratings and handles everything in-house, while CarShield operates through intermediaries. Both offer similar basic benefits, but Endurance provides additional perks through Elite Benefits program.

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