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We rate Toco warranty 4.6 out of 5 and recognize it for having low monthly payments compared to other vehicle service contract providers.

Key Points:

  • Toco offers four plans depending on your car’s mileage: Orange, Yellow, Blue, and Green.
  • Toco offers cheaper monthly rates for warranty coverage compared to many leading providers.
  • Toco is a direct plan provider, so you don’t have to work with a middleman when filing a claim.

If you’re looking to cover mechanical breakdowns on your aging vehicle, you’ve probably come across the company Toco. We rank Toco warranty second place among the best extended warranty companies considering it offers affordable plans and a good selection of coverage. In this article, we’ll take you through Toco’s coverage options and service reputation to help you decide if it’s worth it.

Our Top Pick

After reviewing 20 companies, we’ve determined that Endurance is our preferred option for extended car warranties.

  • Unlimited Miles for Cars Under 20 Years
  • Maintenance Coverage Available
  • Salvage or Rebuilt Cars Are Covered
  • 24/7 Roadside Assistance
  • Direct Administrator of Claims

What Is Toco Warranty?

Toco Warranty Corp. is a vehicle service contract company in business since 2012. It offers four plans that correspond to different mileage ranges. Our review found Toco offers affordable rates and helpful customer service. The company has an A+ rating from the Better Business Bureau, which means it responds to customer complaints and resolves them quickly.

Toco offers warranty plans in most states. However, at this time, Toco is not available in California, Montana, Washington, or Wyoming. Also, people use the term extended warranty to refer to third-party plans, but a vehicle’s manufacturer is the only entity that can offer a true extended warranty. Toco and other third-party companies offer vehicle service contracts, which cover similar repairs.

Is Toco a Direct Provider?

Yes, Toco is a direct vehicle service contract administrator. This means you work with Toco when filing a claim. Generally speaking, direct administrators can provide better customer service because their reputation depends on a good claims experience. Other companies are brokers that sell plans from third-party administrators.

Our Toco Warranty Review

Here’s how we rated Toco across different categories:
Research CategoryToco Rating
Coverage4.3
Cost and Buying Experience4.5
Reputation4.7
Customer Service4.8
Overall Rating4.6

Toco Warranty Coverage Review

Toco offers four plans with different coverage that depend on your car’s mileage:

  • Orange (Up to 100,000 miles): This plan covers all vehicle systems for mechanical breakdowns except for a list of exclusions. It’s similar to a manufacturer’s bumper-to-bumper plan.
  • Yellow (100,000 to 150,000 miles): This plan covers 18 systems including steering, brakes, suspension, high tech, audio, and modern features like blind-spot monitors.
  • Blue (150,000 to 200,000 miles): This plan covers 12 systems including the powertrain plus the cooling, air conditioning, fuel, and electrical systems.
  • Green (200,000 to 250,000 miles): This plan covers 8 systems including the engine, transmission, drive axle, and optional hybrid components. Toco counts “taxes and fluids” as a covered component.

Compared to other companies, Toco provides a good range of coverage options. However, unlike other companies, your mileage dictates the available plan.

Each plan above has a specific mileage range. If your car has less than 100,000 miles, you will get the Orange plan. As it ages beyond 100,000 miles your coverage will automatically change to Yellow. The same happens at 150,000 miles for the Blue plan and 200,000 miles for the Green plan.

Toco Warranty Plan Benefits

All Toco vehicle service contracts come with the following benefits:

  • Rental car coverage: This benefit reimburses you up to $40 for every four hours of labor with a maximum benefit of $200 per car repair. Toco also partners with Enterprise and can pay for one of its rental cars directly.
  • Trip interruption: This benefit reimburses you for hotel and food costs if you have a covered breakdown over 100 miles from home. It can cover up to $100 per day for three days per breakdown.
  • Roadside assistance: This service provides towing up to 15 miles for free, battery jump-start, flat tire change, fuel delivery, and locksmith services. If you pay for any services upfront, you can be reimbursed up to $100 for towing and $50 for other services.

What Does Toco Warranty Not Cover?

Toco’s extended warranties come with exclusions like all protection plans. This is one of the most important sections to understand in your contract. Here are a few examples:

  • Maintenance services and damage from lack of maintenance
  • Damage from collisions, road hazards, earthquakes, or other environmental events
  • Damage from misuse like racing or towing something too heavy for your car
  • Any repair if the odometer has been tampered with
  • Vehicles that have been salvaged or rebuilt
  • Pre-existing conditions
  • Unauthorized repairs
  • Certain components like brake rotors and drums, exhaust components, upholstery, cosmetic items, and glass

Generally speaking, you’ll find similar exclusions from any manufacturer warranty or third-party service contract.

Toco will also ask if you use your car for commercial purposes including rideshare services. It’s important to be honest because some repairs can be denied for extra wear and tear because of commercial use. Toco can cover commercial vehicles with an upcharge.

Other Toco Auto Warranty Terms and Conditions

Keep the following points in mind as you compare Toco’s plans with other providers:

  • Waiting period: Industry standard (30 days and 1,000 miles or other period depending on state)
  • Money-back guarantee: Full refund within 30 days
  • Deductible options: $100 is the default
  • Transfers: Contracts are not transferable
  • Cancellation: Cancel any time (prorated refund after 30 days)

The only thing that’s out of the ordinary is you can’t transfer a contract to a secondary owner if you sell your car. This makes sense though considering Toco’s plans are month-to-month, so you simply cancel the plan when you sell your car.

Toco Warranty Cost and Buying Experience

Toco offered a monthly payment of $79 when we received a quote. This was cheaper than the average monthly rate we received from multiple providers of $132. Toco’s quote also didn’t require a down payment, while many other companies did.

Below is the quote we received, which applies to a 2017 Kia Sportage with 110,000 miles:

PlanTermMonthly CostDown PaymentTotal Cost
Starting at Yellow then Blue and Green by mileage250,000 maximum mileage$79.05NoneVaries

*Plan includes a $100 deductible.

While Toco offers affordable monthly payments, these payments continue for as long as you have the plan. That’s because Toco offers month-to-month contracts.

At a certain point, month-to-month contracts become more expensive than fixed-term contracts. For example, this Toco plan would cost $3,792 after four years of coverage. Our team received a quote for a four-year plan from autopom! for $2,772, or about $1,000 less overall.

That said, you might not want to sign up for a multi-year plan upfront. A month-to-month plan is convenient for covering your car for a year or two.

In our experience, the salesperson was pleasant on the phone. They offered to set up another phone appointment and said they would not hound us with marketing calls. When we told the salesperson we were comparing quotes, they looked for promotions or discounts that might apply. They offered a veteran and senior discount, for example.

What Affects Toco Car Warranty Costs?

Extended warranty costs vary depending on vehicle model, age, and mileage. Buying a plan earlier in your car’s life can help you lock in a lower rate before the cost of repairs increases.

Think about it this way. A four-year-old Honda Civic and a ten-year-old Chevy Suburban have different repair costs. One car is older and more prone to breakdowns. If you were to get vehicle service contract quotes for both of these vehicles, you’d find higher prices for the Chevy Suburban.

Toco Extended Warranty Claims

Toco offers an easy-to-understand process for dealing with a breakdown. Here are the basic steps:

  1. Avoid driving your car if it would cause further damage
  2. Find a license repair facility (you can contact Toco for help)
  3. Give the facility a copy of your warranty contract
  4. The repair facility will seek authorization from Toco warranty
  5. Toco might send an inspector if the breakdown is extensive
  6. If the repair is covered, you’ll just pay your deductible to the facility
  7. Note that if the repair isn’t covered, the cost of diagnosis is also not covered

Who Accepts Toco Warranty?

You can take your vehicle to any licensed repair facility in the United States. This means the facility is licensed by the National Institute for Automotive Service Excellence (ASE). You can find licensed mechanics at dealerships and independent shops.

Our Top Pick

After reviewing 20 companies, we’ve determined that Endurance is our preferred option for extended car warranties.

  • Unlimited Miles for Cars Under 20 Years
  • Maintenance Coverage Available
  • Salvage or Rebuilt Cars Are Covered
  • 24/7 Roadside Assistance
  • Direct Administrator of Claims

Toco Pros and Cons

Let’s pause for a moment and go over the main pros and cons of a Toco warranty:

ProsCons
Your monthly rate stays the same as the car ages and repairs become more likelyNot as many plan options as some competitors
Customer service representatives are thoughtful and personableMonth-to-month plans can become expensive over the long term
Covers up to 250,000 miles, which is more than many competitors 

Toco Warranty Customer Service

Toco has a positive reputation with high customer reviews on multiple platforms. It maintains an A+ rating with accreditation from the BBB, for example. This rating reflects how Toco handles complaints on the platform. The company has had 44 complaints in the last 3 years, which is much less than some other extended warranty providers on the market.

Since Toco is a direct administrator, it has an incentive to make customers happy through the whole claims process. Many reviews mention Toco agents by name and say they are helpful in getting claims covered.

Toco Warranty Reviews

Toco customer reviews on the BBB give the company 4.5 stars overall. Similarly, Toco reviews on Trustpilot rate the company 4.7 stars. Toco has 530 reviews on Trustpilot and 92% of them are four- or five-star reviews.

Positive Toco reviews show many customers get their claims covered without an issue. Reviewers say Toco’s agents are responsive and help cover repairs according to the contract. We noticed many positive reviews about the claims process, which is good to see. Some other companies only get positive reviews about the purchase process.

Negative Toco reviews show some customers have had issues with customer service or getting claims covered. One reviewer on Trustpilot said the attitude of customer service agents depends on who you get. Other customers were disappointed to find that certain repairs weren’t covered. That said, Toco responds to negative reviews and attempts to make things right.

Toco Vs. Competitors

Toco is among our top five picks considering its affordable coverage and high mileage limits. However, some other extended car warranty companies offer more plan options or benefits. Below, you can compare Toco with our other recommendations.
Company Maximum Mileage Sample Monthly Payment Number of Plans Added Benefits
Endurance Unlimited $138 6 Roadside assistance, rental coverage, trip interruption plus Elite benefits
Toco 250,000 $79 4 Roadside assistance, rental coverage, trip interruption
Everything Breaks 250,000 $108 5 Roadside assistance, rental coverage, trip interruption
autopom! 150,000 $110 3 Roadside assistance, rental coverage, trip interruption
Olive 185,000 $120 3 Towing, rental car coverage

Who Should Buy a Toco Warranty?

Toco warranty is a good option for anyone who wants simple coverage at an affordable monthly price. You get the plan that corresponds with your car’s mileage, so you don’t have to weigh the pros and cons between multiple options.

Conclusion: Is Toco Warranty Worth It?

Toco is a reliable warranty provider and direct administrator. At the end of the day, we think Toco is worth it for vehicle coverage. This is especially true if you can find a low rate from the provider and keep the plan as your car ages. Compare quotes from Toco with other options to find the best vehicle service contract for you.

Toco Warranty Review FAQs

Here are a few answers to some common Toco warranty questions:

Yes, Toco is a reliable warranty provider with an A+ rating on the BBB. It also has a 4.5-star rating from customers on the BBB and a 4.7-star rating from customers on Trustpilot.
A Toco warranty covers mechanical breakdowns on a variety of systems. The company offers four plans that cover different vehicle components. When a breakdown is covered, you just pay a deductible to the repair shop.
We received a quote of $79 per month for a Yellow plan for a Kia Sportage with 110,000 miles. This was a lower monthly payment than the quotes we received from other warranty companies.
No, a Toco warranty doesn’t cover tires or any other maintenance component that are expected to wear out like brake pads or the battery.

How We Rank Extended Warranty Providers

We take a methodical approach to rating warranty companies. Here’s what that includes:

  • Coverage: We consider things like the number of plans, mileage limit, maintenance coverage options, and added benefits to score companies in this area.
  • Cost and buying experience: We get quotes from providers and pay attention to the experience with customer service. We also consider a company’s transparency during the buying process through sample contracts and clear coverage descriptions.
  • Reputation: This category includes a company’s longevity plus its rating on the BBB and whether or not it has BBB accreditation.
  • Customer service: To rate customer service, we look at BBB customer ratings plus Trustpilot scores. We also note whether the company is a direct warranty provider.
Picture of Brogan Woodburn

Brogan Woodburn

Brogan Woodburn has been a professional writer for six years and was an auto enthusiast before that. He enjoys breaking down complex topics and helping people understand categories like warranties and insurance. To date, Brogan has contributed to sites like MarketWatch, USA Today, Motor1.com, Oregon Live, and more. Brogan’s favorite car was a Hyundai Sonata Limited with a wine leather interior and turbo engine. He was also thankful for having a warranty when Kia replaced the engine on his Sportage just before the powertrain warranty expired. Brogan graduated from Berklee College of Music in 2013 and is based in Prineville, Oregon. He enjoys performing jazz guitar around Central Oregon and exploring the outdoors with his family.

Advertiser Disclosure: Consumer Review Center might earn compensation from the companies featured on this page. This compensation could affect the placement, order, and visibility of products, but it does not affect the recommendations made by the editorial team. Not every company, product, or offer has been reviewed.

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