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Toco Warranty plans are sold in all U.S. states except for Alaska, Missouri and Washington. In this article, we’ll break down Toco Warranty reviews, coverage options and costs to help you decide whether a Toco plan is right for your vehicle.
We’ll also give you our recommendations for the best extended car warranty companies on the market so you can see how Toco compares. You’ll need to reach out directly to find out how much a Toco vehicle protection plan would cost, but you can start getting free quotes from our highest-rated providers by clicking above.
Is a Toco Warranty Worth It?
Toco Warranty Corp. is a California-based vehicle service contract provider that has served drivers for the past seven years. Policies are available to customers across the U.S. except in Alaska, Missouri and Washington.
We like the provider’s simple plans options and easy-to-understand contracts, as well as their monthly payment options.
| Overall Star Rating | 4.3 out of 5.0 |
|---|---|
| Industry Standing | 4.3 out of 5.0 |
| Coverage | 4.3 out of 5.0 |
| Affordability | 4.3 out of 5.0 |
| Customer Experience | 4.4 out of 5.0 |
Is it worth it? Yes, a Toco warranty is a reputable, high-quality coverage option.
Toco Extended Car Warranty Coverage
Toco offers three levels of vehicle service contracts: Blue, Yellow and Orange. Most Toco Warranty contracts have three-year terms, and contract availability is restricted by vehicle mileage. Contract restrictions and coverage details are outlined below.
| Blue Plan | Yellow Plan | Orange Plan | |
|---|---|---|---|
| Vehicle Eligibility | 2000 or newer vehicles with 100,000 to 175,000 miles | 2011 or newer vehicles with 60,000 to 100,000 miles | 2016 or newer vehicles with 0 to 60,000 miles |
| Engine | x | x | x |
| Transmission | x | x | x |
| Drive Axle | x | x | x |
| Transfer Case | x | x | x |
| Turbocharger/Supercharger | x | x | x |
| Electrical Systems | x | x | x |
| Cooling System | x | x | x |
| Air Conditioning | x | x | x |
| Fuel System | x | x | x |
| Brakes | x | x | |
| Steering | x | x | |
| Suspension | x | x | |
| Electronic High Tech | x | x | |
| Technology Package | x | x | |
| Modern Features Package | x | x | |
| Exclusionary | x |
All Toco warranty plans include the following additional benefits:
- 24-hour roadside assistance: Provides towing up to 15 miles, battery jump-starts, flat tire changes, locksmith services and fuel deliveries
- Hotel rebates: Gives a 5% rebate on hotel bills when booking through partners
- Rental car benefit: Reimburses $35 a day for a maximum of $175 per claim while your vehicle is in the shop
- Trip interruption coverage: Reimburses up to $100 a day for a maximum of $300 per claim if you break down more than 100 miles from home
Toco Warranty Exclusions
Toco Warranty contracts will not cover the following items and services:
- Maintenance: Factory-required maintenance items like oil changes, filter changes and tire rotations
- Cosmetics: Appearance and non-mechanical parts, such as upholstery, exterior trim and bumpers
- Wear and tear: Items expected to degrade over time such as brake pads, brake shoes, shock absorbers, struts and tires
Cost of a Toco Extended Warranty
Based on Toco warranty reviews, many customers seem happy with the price of their Toco contracts. Our researchers contacted Toco to ask about Orange Plan coverage for a 2015 Nissan Altima with 120,000 miles. We were offered the following contract terms:
- Term length: Unlimited Month-to-Month
- Financing: $96.50 per month
- Down payment: First month’s payment
- Deductible: $100
- Total cost: Varies
- Cost per year of coverage: $1,158
This price is about average for an auto warranty. It is neither exceptionally low nor exceptionally high. The financing terms are good for the industry, requiring no down payment and offering a low overall monthly price.
However, this is just an example. Extended warranty costs are different for every customer and vehicle. The cost of your Toco Warranty plan will be impacted by factors such as:
- Coverage level and contract length
- Deductible
- Vehicle make and model
- Vehicle age and mileage
- Location
How to Get a Quote and File a Claim
Toco auto warranties promise to pay the repair costs of covered components after a mechanical breakdown. This coverage goes into effect after a 30-day/1,000-mile waiting period. After the waiting period, if your vehicle experiences a mechanical failure, take it to any licensed mechanic, repair shop or dealership. Have the repair facility call Toco at 800-616-1215 and provide your customer contract number.
If your claim is approved, Toco will pay your repair facility directly, and you’ll only be responsible for paying your deductible. Toco warranty reviews suggest that the Toco claims process is smooth and efficient.
Transfers and Cancellations
If you sell your covered vehicle before your Toco coverage expires, your contract can be transferred to the new owner for a $75 fee. This fee is only $40 for Florida residents, and there is no fee for New Hampshire drivers.
Toco contracts can be canceled at any time, and you will lose only what monthly payments you have already made.
Liability Limitations
Toco does not promise to pay an unlimited amount for repairs. Each repair visit has a maximum reimbursement limit, which is equal to the current trade-in value of your vehicle. There is also a total contract reimbursement limit, which is equal to the retail price of your vehicle on the day you purchase coverage.
Toco Warranty Reviews
Toco Warranty reviews are largely positive. The company is accredited and has an A+ rating from the Better Business Bureau (BBB), but what is even more impressive is that Toco has a 4.2 out of 5 BBB customer review score based on over 80 reviews. It is very rare to see an extended warranty company with a customer rating this high on its BBB profile.
Customers who did complain were upset that their claims were denied. However, many Toco reviews reported fast claims and a pleasant customer service experience.
Our Verdict on Toco: 4.3 / 5.0
Toco warranty reviews indicate that customers are satisfied with Toco claims servicing, which is extremely important for an extended car warranty provider. It’s certainly worth considering a Toco warranty if one is available to you. We recommend shoppers include Toco among the companies from which they request claims.
Our Picks for Best Extended Car Warranties
Toco Warranty offers excellent payment plans, but it isn’t the only company to do so. Customers looking for other low-cost warranty options should consider two of our top recommended providers: Endurance and autopom!.
Endurance: Best Overall
Endurance offers high-level contracts at competitive prices. We reached out to Endurance to get a quote on the provider’s highest level of coverage, called the Supreme plan, for a 2021 Nissan Altima. Here are the terms we were offered:
- Term Length: 2.5 years/40,000 miles
- Financing: $88 for 30 months
- Down Payment: $117
- Deductible: $100
- Total Cost: $1,065
Endurance is our top overall warranty provider in 2024 due to its comprehensive coverage offerings.
autopom!: Best Claims Process
autopom! offers some of the lowest-cost contracts in the industry, scoring 4.9 in our affordability category. We asked autopom! to supply a quote on its exclusionary plan, for a 2021 Nissan Altima and were offered the following terms:
- Term Length: 4 years/unlimited miles
- Financing: $126 for 24 months
- Down Payment: $159
- Deductible: $100
- Total Cost: $794
Read our autopom! review for more information.
Our Methodology
Our expert review team takes satisfaction in providing accurate and unbiased information. We identified the following rating categories based on consumer survey data and conducted extensive research to formulate rankings of the best extended auto warranty providers.
- Industry Standing: Our team considers Better Business Bureau (BBB) ratings, availability, and years in business when giving this score.
- Coverage: Because each consumer has unique needs, it’s essential that a car warranty company offers an array of coverage options. We take into account the number of plans offered by each provider, term limits, exclusions, and additional benefits.
- Affordability: A variety of factors influence cost, so it can be difficult to compare quotes between providers. Our team performs ongoing secret shopper analyses for different vehicles, mileages, warranty plans, and locations to give this rating.
- Customer Service: Reputable extended car warranty companies operate with a certain degree of care for consumers. We take into account customer reviews, BBB complaints, and the responsiveness of the customer service team.
*Data accurate at time of publication.
