About Car Warranty Facts

Who operates this site

Car Warranty Facts is operated by Kovara, an AI-native platform company that powers a portfolio of channel-specialist extended warranty brands. Kovara operates the following consumer brands, which are listed on this site alongside third-party providers:

• Vista Warranty — Sold exclusively through participating insurance agencies — not available direct-to-consumer.
• DriveOne — Sold through dealer service drives and used-car lots — not through dealer F&I offices.
• MemberOne Warranty — Post-close CU member benefit, integrated with credit union LOS — offered only to members whose auto loan doesn't already have existing protection.
• MotoOne — Direct-to-consumer, self-serve warranty purchase with AI-priced quotes.

We disclose this relationship on every page where our brands appear, in a persistent banner at the top of every page, in the footer of every page, and inline within comparison content.

Our editorial approach

Writing a warranty site that is owned by a warranty company only works if the writing is actually useful — which means we have to be willing to say things that are true, even when they don't favor our own brands.

• Channel-fit first. Our recommendations are built around where a reader is actually buying — through an insurance agent, at a dealer service drive, through a credit union, or direct-to-consumer. When the reader's channel doesn't fit a Kovara brand, we say so.
• Honest about competitors. We cover third-party providers including CarShield, Endurance, Protect My Car, and Olive. They are real companies with real products that fit real customers. We describe them accurately.
• Willing to say "don't buy." Not every reader should buy an extended warranty. If a reader has significant savings and a newer, reliable vehicle, the math often doesn't justify coverage. We say that directly.
• No AI-persona authors. Articles are attributed to "Car Warranty Facts Editorial" or to named real team members. We don't use fake personas.

Who we cover

Our current provider coverage includes:

Coverage is structural — we describe what each provider does, who it fits, and where the limitations are. We do not publish promotional comparisons and we do not accept sponsored placements.