CAPS
Golden
$2,131displayed one-time price
Or $74/month displayed. Check the payment schedule.
- Duration shown
- 3 years
- Miles covered shown
- 42,000 miles
Same upfront price as Express; 8,000 fewer covered miles shown.
For the car you plan to keep
Compare warranty prices for your car.
Find out what protection would cost, which repairs a plan covers and what you would still pay yourself.
See my prices on ChaizNo email or phone number needed to see marketplace quotes.
Enter your year, make, model, mileage and state on Chaiz. Compare options, read the agreement, then decide.
For eligible US vehicles outside California. A new plan generally won't cover an existing problem. Waiting periods and contract limits apply.
We may earn a commission if you buy through our links. How we are paid. Chaiz is a marketplace; your contract identifies who handles and pays claims.
Before you choose
Compare a plan with the repair bill you could afford.
A service contract may help with the cost of an eligible future breakdown. Its value depends on the full price, the repairs it actually covers and the risk you are comfortable keeping.
A useful reason to compareYou plan to keep the car, existing coverage is ending, and a large repair would strain your budget.
Check before spendingExisting faults are generally excluded. Check your factory coverage, open recalls and the new plan's waiting period first.
See the details that changed our example comparison ↓An actual marketplace search
Same car. Same price. Different protection.
For a 2021 Honda CR-V with 75,000 miles in Texas, our search showed 14 results. These three displayed options show why the monthly payment alone cannot settle the choice.
Express Service Protection
Stated
$2,131displayed one-time price
Or $74/month displayed. Check the payment schedule.
- Duration shown
- 3 years
- Miles covered shown
- 50,000 miles
$100 deductible. Enhanced electronics and commercial use cost extra.
North American Auto Care
Exclusionary
$2,778displayed one-time price
Or $97/month displayed. Check the payment schedule.
- Duration shown
- 3 years
- Miles covered shown
- Unlimited
$647 more upfront than the two examples above; a different mileage allowance and contract.
A make/model search, without a VIN or add-ons. Chaiz asks for a VIN to confirm the final price. These are dated examples, not offers or a ranking of claims service. Search filters, terms, prices and availability can change. Time and mileage conditions both matter; the actual agreement controls. Links open the general comparison without a provider or plan selected.
See the options for my carEnter your own vehicle, mileage and state.
Watch two short walkthroughs of the quote results
Watch what to compare.
Two guided walkthroughs made from the actual Chaiz screenshots. Captions are on screen; sound is not needed.
1. Compare results beyond the price
CAPS Golden and Express Stated both showed $2,131 upfront. Their displayed mileage allowances differed by 8,000 miles.
Read the walkthrough
We searched for a 2021 Honda CR-V, 75,000 miles, Texas. The results showed CAPS Golden at $2,131 one-time for three years and 42,000 covered miles; Express Stated at $2,131 for three years and 50,000 miles; and NAAC Exclusionary at $2,778 for three years with unlimited miles shown. Compare the parts lists as well as those allowances. A VIN is needed to confirm the final price.
2. Open the plan and check the extras
The Express detail showed a $100 deductible. Electronics, emissions and commercial-use options were separate add-ons.
Read the walkthrough
For the same CR-V search, Express Stated showed $74 per month or $2,131 one-time, a $100 deductible, three years and 50,000 covered miles. Optional commercial use was $10 per month, enhanced electronics $7 per month and emissions $5 per month. None was selected. Read the contract and confirm the payment schedule, limits and final VIN-based price before buying.
Screenshot walkthroughs captured September 16, 2026; edited close-ups, not continuous screen recordings. Any expert ratings visible in the screenshots are Chaiz's assessments.
Our calculation, using the displayed price
What would this plan need to pay back?
The Express example starts at $2,131 upfront, with a $100 deductible. Now test a hypothetical $4,000 repair.
Less than self-paying in this scenario$1,769
The entire $4,000 bill qualifies, the claim is authorized and no payment limit reduces it.
- Upfront plan price
- $2,131
- Hypothetical repair bill
- $4,000
- Illustrative plan payment
- −$3,900
- Your total with the plan
- $2,231
- Your total without the plan
- $4,000
One fully eligible claim breaks even at $2,231: $2,131 premium + $100 deductible. That assumes the entire bill qualifies and no limit reduces payment.
The displayed plan price and deductible come from the dated search above. The repair, eligibility percentages and outcomes are illustrations, not a forecast or a claims decision. Taxes, fees, financing, add-ons and other benefits are excluded; actual contract limits still apply.
The evidence behind the comparison
Check the parts list and the labor limit.
Two plans can use a similar name and still cover different parts. A limit on your shop's hourly rate can also leave you with more to pay.
See the contract examples, labor-cost data and vehicle records
“Enhanced Powertrain” does not mean the same parts.
Express's 2025 sample includes radiator and fuel-injector coverage. Omega's Powertrain Enhanced schedule leaves both out; its Used Stated tier includes them.
Published schedules and sample contracts, rechecked September 16, 2026. These are separate catalog examples, not the Stated quote above. Coverage is subject to each agreement's conditions, and these tiers may not appear in your search.
| Published plan | Radiator | Fuel injectors |
|---|---|---|
| Express Enhanced Powertrain | Listed | Listed |
| Omega Powertrain Enhanced | Not listed | Not listed |
| Omega Used Stated | Listed | Listed |
Sources: Express sample-contract review and Omega coverage review.
Your shop's labor rate
$333.28 difference for the same eight hours.
Columbus, OH$1,041.84
Washington, DC$1,375.12
If the contract pays less per hour than your shop charges, you can owe more than the deductible.
Our September 4 labor model; eight hours is a fixed illustration, not an average repair. Modeled rates, not collected shop quotes. Parts and tax excluded.
See our labor-cost study →Check the car before the contract
155 of 177 zero-complaint model-years still had other records.
Our September 3 NHTSA snapshot found recall or manufacturer-service records even where complaint counts were zero. Check your VIN and existing coverage before paying for a new plan.
Records do not establish a failure probability or a defect in your vehicle. A service communication may be guidance, and a recall may apply to only some VINs.
Read the public-record audit →208plan entries researched
41providers in our directory
2,742vehicle model-years mapped
50metros in our labor-cost model
Our research library, not Chaiz's available inventory. Sources and methods · Browse the plan directoryCompare prices and contract termsHave your year, make, model, mileage and state ready. You enter them on Chaiz.
A place to start comparing
Multiple providers. Your vehicle decides the options.
These are examples of Chaiz marketplace providers, checked September 16, 2026. Links open the general comparison, without a provider or plan selected. Availability varies by vehicle and state; not all vehicles qualify.
What do you want protected?
Compare the coverage as well as the price.
Most separately purchased “extended warranties” are vehicle service contracts. The agreement determines which failures qualify.
Powertrain
The major mechanical parts
Start with listed engine, transmission and drive-axle components.
Before buyingCheck seals, gaskets and the causes of failure the contract excludes.
Compare available plansNamed-component
More of the systems you use
Look for a parts list that includes the A/C, steering or electrical systems you want covered.
Before buyingIf the component is not listed, do not assume it is covered.
Compare available plansExclusionary
Broader protection
Compare broader mechanical and electrical coverage with a written list of exclusions.
Before buyingMaintenance, ordinary wear and other exclusions still matter.
Compare available plansChoose coverage on Chaiz. These links do not preselect a tier, and a higher tier does not cover every repair.
Buy for what comes next
A useful time to compare.
You want a plan that fits the car you own and how long you expect to keep it.
Research individual plans and exclusions →Factory coverage ending?
Check the end date and mileage limit for each system. Powertrain coverage may last longer than basic coverage. Compare the start date of a new plan to avoid paying for unnecessary overlap.
Buying a used car?
Check its history, get an inspection and confirm any remaining warranty first. Compare the dealer's offer with independent plans using the full price and the same coverage period.
Used-car warranty buying guide →Keeping a higher-mileage car?
Check eligibility at your current mileage and when coverage ends. Read the wear exclusions, maintenance requirements and payout cap before choosing a lower monthly payment.
Start with an actual price
See what your car qualifies for.
Compare the total cost and deductible, then check any available upfront-payment discount. Prices and discounts depend on the live quote.
Prefer to test the numbers first? Use the cost calculator →See my prices on Chaiz
No email or phone needed to view marketplace quotes. You'll enter your vehicle details there; purchasing requires more information.
Not available in California. No plan or saving is guaranteed.
Sources and what this page covers
This is a starting point for eligible future coverage, not a quote or a ranking of claims service. Marketplace details checked September 16, 2026: how Chaiz works; Omega Auto Care; Express Service Protection; CAPS. General guidance: FTC service-contract guide. The actual quote and contract control coverage and eligibility.