Extended Car-Warranty Quotes: How to Compare Without Getting Spammed

You open your browser, type in “extended warranty quotes,” and open up a comparison site. You go straight to the quote form, fill it out, and click “submit.”

And then the calls start. Your phone rings more over the next two hours than it has all week.

Therein lies one of the biggest problems with purchasing extended coverage for your vehicle: the sheer amount of spam.

But Chaiz offers a way around it.

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We’ll get to no-spam extended-warranty quotes in a bit, but first: How can you get quotes, what information is actually needed, and how do you know when businesses are violating consumer-protection laws?

How Can You Get Extended-Warranty Quotes?

The type of extended-warranty company you’re getting a quote from influences how your personal information is likely to be treated.

There are two common routes when sourcing quotes, and you can kick both off online:

Comparison Sites, Brokers, and Marketplaces

It’s tempting to click on the first extended-warranty comparison site you see, fill out your information, and wait for the quotes to show up.

That’s often a one-way ticket to spam central.

Comparison sites and marketplaces share the contact information you fill out when completing online forms. Various third-party warranty providers then use the information you input to generate competing offers, send them to you, and get you on a call to push the quote into a sale.

Direct From Providers

You can get quotes using service providers’ websites, but many of them ask for your email address or contact number.

Contacting service providers directly might seem like a sound strategy compared to sites that sell your data, but it will still involve fielding phone calls or emails.

A salesperson will probably follow up and say they need more details to provide an accurate quote. They may also do a follow up if you don’t act on it. That’s part of the process of converting your interest into a sale.

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If you want to avoid filling out an online form, you can contact the customer service department directly. That way, the phone call is on your terms and in your own time.

With any call, ask for the details you discussed to be put in writing.

What Do Companies Actually Need for an Extended-Warranty Quote?

There are a few things companies need in order to give you an accurate quote.

What Affects the Price of a Quote?

At a minimum, they need the make, model, and year, as well as the state the vehicle is registered in. You’ll likely also be asked for the VIN, depending on where you source the quote. This might come later, though.

Some providers will ask for more detail. They may want to know about the vehicle’s condition, the environment you drive in, and your driving habits, among other factors.

Aside from the car’s characteristics, the deductible and coverage tier also influence price. Your location, meanwhile, is used to calculate regional labor costs and work out state-specific contract rules.

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Your name, email, and phone number—that’s for marketing, and you should be told how your details will be used.

Companies should outline how they use contact information in a disclosure on the quote form. It might also be in the privacy policy, which explains what information will be collected and how it will be used.

Do You Need to Give Out Contact Information?

Not necessarily.

Using a neutral, spam-free marketplace like Chaiz simplifies matters.

You can pull up extended-warranty quotes by VIN, by license plate, or by make, model, and year. You’ll also need to add mileage and your state, but that’s it. No sales calls and questionnaires before the quotes are ready.

We’ll break down the process in more detail soon.

Why Do Extended-Warranty Companies Want Contact Information?

The extended-warranty industry has traditionally followed the call-center sales model. It could even be argued that it has abused that model, to the point that auto-warranty robocalls were the top consumer complaint filed with the Federal Communications Commission (FCC) in 2020 and 2021.

Scam calls may have decreased in recent years, but spam is still a concern.

Why isn’t a mystery.

Phone calls are popular because they’re effective for conversions. Salespeople can persuade (or push) you into accepting a quote more easily than if you were doing an online-only sale. And while they have you on the line, they can upsell higher coverage tiers and add-ons.

All of those extras turn into a higher commission.

Think Before Submitting

Ask yourself these questions before submitting a quote request:

• Is the provider a direct provider of extended warranties (technically vehicle service contracts)?
• Will your information be shared with third parties?
• Can you receive the quote without a phone call?
• Are you comfortable sharing the requested information?

Consumer-Protection Compliance: What’s Allowed?

It’s easy to forget that there are strict regulations around unsolicited marketing calls and emails. In short, businesses aren’t allowed to call or email you without your permission.

But there’s more to it than that. Let’s break it down.

TCPA Compliance

The Telephone Consumer Protection Act (TCPA) requires businesses to obtain your written consent before sending marketing communications to your phone.

There are significant consequences for violations, from hefty fines to class-action lawsuits.

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Updated Opt-Out Rules

As of April 11, 2025, businesses have to follow the FCC’s new opt-out rules. Specifically, if a consumer expresses a desire to stop receiving calls or texts through any reasonable means, the business has to honor their wishes.

Keywords that need to be honored include, but go beyond, “stop,” “quit,” “cancel,” and “unsubscribe.”

When you express that you want to stop receiving communication, the specific business has 10 working days to act if they want to stay compliant with the TCPA.

Because it does away with exclusive opt-out methods, this update means that it’s now easier to revoke consent.

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Some other TCPA-compliance requirements for businesses include:

• obtaining explicit consent for marketing communications
• respecting Do Not Call lists (state and national)
• maintaining a no-contact list and accurate data
• providing clear identification and contact information
• having a consent form

• having airtight opt-out processes in place

The TRACED Act

The Telephone Robocall Abuse Criminal Enforcement and Deterrence (TRACED) Act is a 2019 addition that has given the FCC new tools to combat robocalls. Under this law, the FCC issued a $299.9-million fine against an auto-warranty scam network.

One consequence of violations is that businesses can now be charged $10,000 for each call that breaks robocall laws.

The CAN-SPAM Act

Whereas the TCPA and TRACED Act deal with phone and robocall spam, the CAN-SPAM Act sets the rules for commercial emails.

Enforced by the Federal Trade Commission, the law gives consumers the right to opt out of email communication.

This applies to bulk email as well as any email that’s primary purpose is to advertise or promote a product or service. Violations come with penalties up to $53,088.

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There are a few rules businesses need to comply with, but these are the most important ones in the context of extended-warranty spam:

• Subject lines must accurately reflect the content.
• The sender must disclose clearly and conspicuously that the message is an ad.
• The email must tell you where the business is located, using a valid physical postal address.
• The message must include a clear explanation of how you can opt out, and this must be easy for you to recognize, read, and understand.

Why Does This Matter for Comparing Quotes?

If there are three major laws governing communication with customers, you’d think that extended-warranty providers would be following them. Reputable businesses do.

Others don’t.

That’s why it’s important to know your rights.

Firstly, being informed means you know what to ignore or report. Secondly, if you notice something concerning, you’ll know to steer clear of the provider rather than giving them your money.

CAN-SPAM, the TCPA, and Extended-Warranty Quotes

Because filling out an online quote form signals interest, extended-warranty providers use your contact information to try to convert you into a customer.

Across industries, many businesses treat the completion of a lead or quote form as a clear sign of consent. But under the TCPA, a customer completing a form doesn’t equal compliance. You need to actively opt in.

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Consent Cannot Be a Default Setting

Either near the “submit” button or the field for contact details, there should be a checkbox asking for your consent to be contacted through call or text. You should also be asked which type of communication you agree to (SMS, phone call, or email).

Pre-ticked “I agree to receive calls or text messages” boxes don’t equate to consent because you didn’t actually opt in. However, that is a common tactic. If you don’t untick the pre-checked box, companies consider it permission to contact you.

If the provider is committed to honesty and transparency, that box wouldn’t be pre-checked.

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Tips for Filling Out Quote Forms

Before submitting your information for a quote, ask yourself a few questions:

• Is it clear what will happen if you submit the form?
• Are the terms and conditions clear and easy to understand?
• Is there a disclosure statement clearly visible in the immediate vicinity of the opt-in button?
• Does the disclosure statement share the identity of the company that will contact you?
• Is it clear how they’ll communicate with you (SMS or automated text messaging)?

Although TCPA and CAN-SPAM compliance won’t tell you anything about the quality of the coverage, it does give you a taste of how the business operates.

How to Stop Spam Calls

There are ways to avoid or stop spam calls and emails:

• Enable spam filters.
• Silence unknown callers.
• Use third-party protection tools.
• Use a burner number or get a Google Voice number.

You can also create an email account that you use exclusively for filling out quote forms. That way, all the communication goes to that account instead of filling up your personal inbox.

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Do Not Call Registry

If you’re getting spam calls, you can join the Do Not Call registry. Adding your number to the list is a way to opt out of receiving most telemarketing calls. If you are on the list and still receive unsolicited calls, you can report them to the FCC.

One thing to know, though: Giving express consent, for example by ticking a box, can override the Do Not Call list.

What’s the Best Place to Get Extended-Warranty Quotes?

While spam is still a major issue in the industry, change is coming. New tech-forward companies are reshaping the quote process. Instead of requiring contact information in exchange for quotes, you can see real prices using only car-related details.

Without multiple sales pitches and quotes swimming around your brain, you can make a clear, informed decision.

Getting an Extended-Warranty Quote Without Personal Information

As the first online marketplace for extended warranties, Chaiz has built a neutral platform that allows customers to compare what’s actually out there.

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How It Works

Without inputting any personal information or creating an account, you can pull up instant quotes from a network of vetted providers.

Here’s a step-by-step guide to get started:

1. Go to the Chaiz comparison tool.
2. Fill out the required information: your vehicle’s make, model, year, and mileage, and your state.
3. Alternatively, you can use your license plate, odometer reading, and state. The third option is to input your VIN, odometer reading, and state.
4. View pricing from multiple third-party providers immediately. Each quote includes a detailed breakdown of what’s covered and how claims are managed.
5. Compare the quotes. You can filter them by coverage tier, price, and provider ratings.
6. If you see a quote you want to act on, you can go straight to checkout. If you want time to decide, you can save the quote and pull it up later.

A quick disclosure: While we earn a commission when you buy through our platform, we don’t push one provider over another. Chaiz also doesn’t handle the plan itself or set the pricing; we just connect you with providers.

What Should You Look for When Comparing Quotes?

Whether you sourced it through Chaiz, another comparison site, or directly from a provider, there are a few things to check:

• Where are repairs allowed? Some providers let you go to any shop; others limit your network.
• Are the coverage terms in plain language? Steer clear of jargon and vague terms like “major systems.”
• Do you have to dig for important information?
• Are you clear on the deductibles, waiting periods, and exclusions?
• What’s the total cost, including all fees? Is it clear?
• What’s covered and what’s excluded? This should be a detailed list, not vague categories.
• What’s the claims process and cancellation policy?

The Takeaway

If you’ve ever tried to get an extended-warranty or insurance quote before, you probably know the drill. Robocalls, sales calls, emails—it can feel like you’re drowning in spam.

Unfortunately, it could lead to accepting bad quotes. It could also make you stop looking, even after you’ve considered whether an extended warranty is worth it and decided that it is for you.

While you can’t wave a wand and make businesses stop clogging up your inbox, there are ways to minimize the number of calls and emails you get.

Some strategies, like creating burner email accounts, require extra effort and admin. So does carefully checking privacy policies and disclosures. Being careful does pay off in the long run, but there is an easier way.

Give Chaiz a try. There’s no pressure to buy, no sales pitch, and no spam.