Toco Warranty Review: Is It a Good Option for Your Car?

By Kiah Treece

Toco Warranty has been offering used-car warranties with month-to-month coverage since 2012. Its policies can be canceled anytime, meaning you won’t be trapped in a policy you can’t use if you decide to upgrade your vehicle. 

If you rely on your car for work or other day-to-day activities, it’s essential to have a plan in place if your vehicle breaks down. While your auto insurance’s collision coverage might help you cover repair costs after an accident, it doesn’t extend to standard breakdowns due to wear and tear. An auto warranty protects you against the high cost of a vehicle breakdown by providing a more affordable repair if your car suddenly stops working. 

Read on to learn more about Toco Warranty, what it offers and the types of drivers it might be best for.

Toco Warranty Pros and Cons

Is Toco Warranty Worth the Cost?

Toco Warranty’s policies offer a few features that help it stand out among competitors. Toco’s coverage is renewable on a month-to-month basis, and you have the freedom to cancel at any time. This can make Toco a stronger choice if you want low-cost, temporary coverage. It also allows you to take your vehicle to any licensed mechanic when it breaks down, which can be beneficial if you have a facility that you trust. 

There are a few areas where Toco Warranty can improve to remain competitive with other auto warranty providers. It only offers policies up to 250,000 miles, while companies like Endurance don’t cap mileage. Toco also doesn’t allow you to select your policy tier, instead assigning one to you depending on your vehicle’s mileage. If you’re looking for more control over your plan choice, it could be better to consider a competitor like CarShield.

What Does Toco Warranty Cover?

Depending on your vehicle’s mileage, your Toco Warranty policy may cover all or some of the following. 

• Engine 
• Transmission
• Front and rear drive axle 
• 4×4 transfer case
• Turbocharger or supercharger
• Electric motors for hybrid vehicles (additional charges may apply)
• Seals and gaskets
• Taxes and fluids, where applicable 
• Cooling system
• Air-conditioning components
• Fuel system
• Electrical system
• Steering system
• Brakes 
• Suspension
• Electronic high tech
• Electronic tech contained in your dashboard
• Added features like ambient lighting, proximity sensors and rear backup cameras

Orange-level coverage for vehicles with 0 to 100,000 miles includes all vehicle components except items listed in the exclusion section and items covered by your original manufacturer’s warranty.

What Does Toco Warranty Not Cover?

Your Toco Warranty will not cover any items not explicitly defined under the level of coverage available based on your vehicle mileage. It also will not cover any of the following:

• Battery and battery cable or harness 
• Tires
• Wheels and rims
• Brake rotors and drums, shocks and struts
• Upholstery and carpet
• Glass
• More than $3,000 worth of repairs or replacements for TVs, DVD players, game centers, speakers, AM/FM radios and cassette or CD players built into the vehicle
• Clutch assembly for vehicles with a manual transmission (the “stick shift”), friction clutch disc and pressure plate
• Carburetor, distributor cap and rotor
• Light bulbs, fuses and circuit breakers
• Lenses
• Sealed beams
• Convertible tops 
• All types of decorative display features that don’t affect the actual functionality of the vehicle, including paint, chrome, bumpers, body sheet metal and weather strips
• Safety restraint systems
• All exhaust components and the following emission components: EGR purge valve/solenoids/sensors, vacuum canister, vapor return canister, vapor return lines/valves, air pump/lines/valves, catalytic converter/filtering/sensors, emission vapor sensors, gas cap and filter
• External nuts, bolts and fasteners, unless required for a covered repair

Toco Warranty Plans

Toco Warranty provides four plans, but you don’t get to choose which plan you subscribe to — you’ll be assigned a plan according to your vehicle’s mileage. Policies are available to vehicles with up to 250,000 miles on their odometer. 

• Orange: Toco Warranty’s Orange level plan covers your engine, transmission, drive axle, transfer case, turbocharger or supercharger, electrical system, cooling system, air-conditioning system, fuel system, dashboard technology and other components. Wear and tear items like batteries, upholstery, glass and exhaust components are not covered. Orange coverage is available if there are fewer than 100,000 miles on your vehicle’s odometer. 
• Yellow: Yellow level coverage includes all of the components on the Orange tier plus more excluded parts of most major items. This coverage is assigned to Toco Warranty customers with mileage between 100,000 and 150,000 miles. 
• Blue: Blue-level coverage includes all components on the Yellow plan minus coverage for your dashboard technology. This plan is available to vehicles with mileage between 150,000 and 200,000 miles. 
• Green: Green level coverage is Toco Warranty’s high mileage plan, covering components like your engine, transmission, drive axle, transfer case, and turbocharger or supercharger. It is available for vehicles with between 200,000 and 250,000 miles.

Toco Warranty features a pay-as-you-go model and no down payments, which is ideal if you want temporary coverage. Still, Toco’s plans may not include the coverage you want, so consider the best extended car warranty plans before choosing an option. 

Toco Warranty Mileage Limits

Toco Warranty for personal vehicles maxes out at 250,000 miles. This is lower than many competing auto warranty providers — for example, Endurance offers policies with no mileage limits. If you drive a higher-mileage vehicle, consider the best used-car warranty companies instead.

Toco Warranty Waiting Period

All of Toco’s warranty plans have a mandatory waiting period. Toco indicates the period is consistent with the industry standard and varies depending on the policyholder’s driving habits. According to Toco, most customers are eligible for partial claim payment during this period. Get a quote to review your specific waiting period.

Toco Warranty Claims Process

To file a claim with Toco Warranty, you’ll go through the following basic steps. 

• Prevent further damage. As a Toco Warranty customer, you have an obligation to prevent further damage as soon as you notice a problem. Stop using your vehicle and take action to safely transport it to an area where no more damage will be caused. 
• Take your vehicle to a local repair facility. You can take your vehicle to any state-licensed repair center. If you aren’t sure where your closest repair center is, you can contact Toco Warranty, and a representative will help locate one. When you arrive at the repair facility, provide your technician with a copy of your policy — it contains details that the repair professionals must submit to the Toco team. 
• Submit the repairs to the administrator. Your repair technician must contact Toco Warranty’s plan administrator by calling 855-298-8626 to register the repairs. They must call before performing any repairs on your vehicle. 
• Wait to authorize a teardown. After getting approval to complete the claim, your repair technician will begin working on your vehicle. In some cases, the repair technician will ask you to authorize a teardown of your vehicle to determine the cause and cost of the repair. You must contact Toco Warranty before approving a teardown. 

From here, your support representative will review coverage and connect with your repair technician to authorize necessary repairs. All covered services are subject to a $100 deductible, per visit unless otherwise indicated in the service contract. Breakdowns that require more than one visit to repair only require on deductible payment. Policies cover up to $15,000 worth of damage throughout the lifetime of your policy.

Toco Warranty Customer Satisfaction

Customer reviews of Toco Warranty are overall positive. The company maintains an A+ rating from the Better Business Bureau and BBB accreditation — a nod to its reliability and legitimacy as a warranty provider. It holds an average rating of 4.64 out of 5.0 stars on its BBB profile and 4.7 out of 5.0 stars on Trustpilot.

Most positive reviews of Toco Warranty praise the company’s claims process and representatives, who were quick to contact repair professionals to streamline services. Multiple customers noted receiving fast service from Toco Warranty, which was not the case with competing providers. However, some negative reviews mention that Toco used fine print in its contracts to deny claims. Be sure to read the details of your service contract before you sign to be sure that you know exactly what’s covered.

Toco Warranty Customer Service

Toco Warranty supports an online customer portal system to manage your account. Your technician must call 855-298-8626 to register the repair. You must also call this customer service number before authorizing a teardown. Toco’s Customer Care team is available Monday through Friday from 9am to 5pm CST.

Toco Warranty Cost

Toco Warranty pricing varies depending on the specific details of your vehicle. Factors that Toco takes into account when pricing your policy include: 

• Vehicle make and model 
• Vehicle year
• Current vehicle mileage
• Your ZIP code

Toco currently offers a full online purchase funnel, allowing customers to purchase the plan without agent interaction.

Toco Warranty Alternatives

Toco is not the only auto warranty provider you can access as a driver, and one of the best car warranty companies may be a better fit. Consider the following Toco Warranty alternatives, which may be better for drivers with specific needs. 

• Endurance: Endurance is a top auto warranty provider for drivers with higher mileage vehicles, as there is no limitation on mileage to get covered. Endurance also features 24/7 roadside assistance with each plan, making it a great choice if you’re also considering a subscription to a service like AAA. 
• CarShield: Like Toco Warranty, CarShield offers month-to-month coverage you can cancel anytime. This can make CarShield a viable choice if you’re looking for a blend of plan choices and the freedom to cancel coverage when it no longer meets your needs. 
• Carchex: If you’re frustrated with Toco Warranty’s lack of plan choices, Carchex could be a better option. With five flexible plan choices, Carchex gives you more control over policy customization and the coverages you want.

Toco Warranty Extended Car Warranty FAQ

Is Toco Warranty legit?

Toco Warranty is a legitimate automobile warranty provider. While some online customers expressed frustration over a denied claim, the company has an A rating through the Better Business Bureau and its online reviews are largely positive.

Does Toco Warranty cover tires?

None of Toco Warranty’s four policies cover tires. Tires are not usually covered under auto warranty policies because damage to the tires is usually related to normal wear and tear of the vehicle. 

Are auto protection plans worth it?

Auto protection plans can be worth the expense if you’d be seriously financially inconvenienced if your vehicle suddenly broke down. Most Americans depend on their vehicle to get to school or work, which means that even a minor breakdown can cost thousands of dollars if you can’t afford an immediate repair.