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.
Method
How the record is kept
The sources and pull dates behind every card, the sort and tie rules, the worked-example arithmetic, the network rubric, how the site is paid, what is left out on purpose, and how corrections are made.
Filed 16 Oct 2026
Catalog / Method
Method · card 1
What is in the record, and where it came from
| File | What it holds | Source | Pulled |
|---|---|---|---|
c4c_brand_warranties.json | 27 brands: basic and powertrain terms in years and miles, and a flag where the powertrain term is limited to the original owner | The brand warranty table Click 4 Coverage publishes for its own model-year pages (its BRANDS table). Maker warranty page links are being added by a separate data lane and will print beside each brand when they land. | 16 Oct 2026 |
c4c_model_lines.json | 173 model lines: brand, model, body style, timing drive, the model years covered, and the inherited terms | The Click 4 Coverage model table (its MODELS table) | 16 Oct 2026 |
| NHTSA recall files (FLAT_RCL_POST_2010, FLAT_RCL_PRE_2010) | Distinct recall campaign numbers (CAMPNO) per make and model across the model years in the file; the campaign numbers are printed on each model card | NHTSA Office of Defects Investigation flat files | 16 Oct 2026 |
| NHTSA complaint file (FLAT_CMPL) | Distinct complaint numbers (ODINO) per model, the eight most-named components, and the count per model year | NHTSA Office of Defects Investigation flat files | 16 Oct 2026 |
The federal counts are matched to each model line by make and model strings; the strings used are printed on each card. One line, the Buick Regal TourX, did not match the recall file, and its card says so instead of printing zero. The brand and model numbers come from the advertiser's own published tables. We say so because it matters: the advertiser wrote the table, and we print it as written until the maker pages are checked. If a maker page disagrees, both numbers will be shown and the difference named.
Method · card 2
How lists are sorted
Each list is one data file, one optional filter and one sort field. The rule is printed on the list itself. When two rows share the same value, they are filed alphabetically by name, with no exception and no judgment. A list is filed only when enough rows qualify: six for a ranking, ten for a table. A list short of its count waits, and the catalog front names it as waiting.
Brand tables sort by the miles in a term, because miles are the limit most drivers reach first at typical use. The years are printed beside the miles on every row so you can read either one.
Method · card 3
The worked examples
The brand drawers and model cards carry examples at 12,000 miles a year. That is a round national-average figure, chosen for illustration and labeled as an example every time it appears. The arithmetic is simple: a term of 50,000 miles is reached after 50,000 / 12,000 = 4.17 years, about 4 years and 2 months, so a 4-year, 50,000-mile term ends on the calendar first at that pace. The calendar columns on model cards add the term's years to the model year, which assumes the car was first sold during its model year. Your VIN and odometer replace every one of these numbers.
Method · card 4
The provider rubric, and why no page here uses it
The OwnersFirm coverage network scores vehicle service contract companies on a published 100-point rubric built only from facts a company prints about itself and from government records. This catalog ranks no coverage companies, so no page on this site applies it. It is printed here so the network's rules are readable from every site.
| Bucket | Field and points | Max |
|---|---|---|
| A. Transparency | Sample contract online 15; online quote 10; deductible and waiting period both printed 5 | 30 |
| B. Consumer terms | Money-back window of 30 days or more 12 (under 30 days 6); waiting period of 30 days or less, or none, 8 (31 to 60 days 4); transferable 5; a $0 deductible option 5; pro-rata refund 5 | 35 |
| C. Standing | Listed on the Texas, Minnesota, New York and Nevada rosters: 4 lists 12, 3 lists 9, 2 lists 6, 1 list 3; legal entity printed 5; obligor named 8 | 25 |
| D. Public record | No regulator action in five years 10; one action 5; two or more 0 (.gov primary sources only) | 10 |
An unpublished fact scores zero. The five-point figure is the score divided by 20, to one decimal: a company at 60 points shows 3.0. Ties are alphabetical. What is not scored: no reviews, no cost, no customer service.
Method · card 5
How this site is paid
Click 4 Coverage, a seller of vehicle service contracts, is a client of OwnersFirm, which publishes this site. OwnersFirm is paid when a reader who arrives from here buys coverage. Its card is labeled Paid placement wherever it appears, and its links run through this site's own /go addresses so the click can be counted. No other company paid to appear. Every table here lists car brands or model lines, so the advertiser has no row to place, and no list is ordered with the advertiser in mind.
Method · card 6
What is not printed, on purpose
No repair-cost figures, because no public source exists that we can cite and reuse. No reliability scores, no star ratings, no review-site numbers. No claim about what goes wrong with a model unless a federal file counts it, with the count and the pull date beside it. Complaint counts are labeled self-reported safety complaints not adjusted for sales volume, and model years are compared only within one model. No urgency, no guess about your car's warranty status.
Method · card 7
Corrections
If a number here is wrong, send the page address and the source that shows it to OwnersFirm, the publisher. A correction is made on the page itself, with the date and a line saying what changed. A source we cannot read does not change a number, and an advertiser request does not either.