Monday, July 14th
2025 Auto Warranty Plan Reviews
Toco Warranty
- Prices available through online quote
- Four plans to choose from
- Use coverage with any ASE certified mechanic
- Includes roadside assistance and rental car reimbursement
- Cancel within 30 days or 1,000 miles
- Cars are covered based on mileage
- 5-star ratings from customers
- "A+” rating and accreditation from the BBB
Toco Warranty is a site with a lot of buzz for its auto warranties. The company has garnered recognition from a multitude of esteemed media outlets, including Fox News, ESPN, Hallmark, Game Show Network, MLB Network, ION television, MTV, National Geographic, and numerous others.
Unwavering commitment
The company offers an unwavering commitment to delivering professional, transparent, and dependable vehicle coverage services, attested to by hundreds of satisfied customers. Regrettably, Toco Warranty is not available in Alaska, Missouri, and Washington; however, their instant quoting system and transparent plans have earned them our highest rating among auto warranty services.
Live chat available
Upon entering the Toco Warranty website, a live support chat bubble promptly emerges, enabling customers to engage with a representative instantly. Toco Warranty's customer-oriented approach is commendable as it recognizes that not all customers may possess a complete understanding of what they require. Even in the absence of a live chat session with customer support, the website provides clear, user-friendly information about the available plans, pricing, and procedures.
Easiest quote process on our list
One of the standout features of Toco Warranty is the simplicity of obtaining a quote. After you provide your vehicle information, you are asked specific questions, such as annual mileage, the purpose of vehicle use (commercial or non-commercial), any vehicle modifications, accident history, and more. Then, you get your instant quote online; there's no need for a phone call.
Plans are based on mileage
Toco Warranty offers four plans, making it easy for customers to determine the most suitable option based on their vehicle's year and mileage:
- Orange Plan: For vehicles with mileage between 0 and 100,000 miles.
- Engine
- Transmission
- Drive axle
- Transfer case
- Turbo/supercharger
- Electrical
- Cooling system
- Air conditioning
- Fuel system
- Technology & modern features
- Yellow Plan: Geared towards vehicles with mileage within the 100,000-150,000 mile range. This plan includes everything from the Orange Plan; the main difference is the mileage and how new the cars are.
- Blue Plan: Applicable to vehicles with mileage ranging from 150,000 to 200,000 miles. This plan includes everything in Orange and just adds more mileage options.
- Green Plan: Designed for vehicles with mileage spanning from 200,000 to 250,000 miles. This plan covers fewer things on your car. These include:
- Engine
- Transmission
- Drive axle
- Transfer case
- Turbo/supercharger
Great benefits and easy repairs
On top of the coverage, you also get a few benefits with every warranty available at Toco Warranty. These benefits include:
- 24-hour roadside assistance: This covers towing for up to 15 miles, battery jump-starts, flat tire changes, locksmith services, and fuel deliveries
- Hotel rebates: You get a 5% rebate on hotel stays when booking through partners of Toco Warranties
- Rental car benefit: You can be reimbursed up to $35 a day for a maximum of $175 per claim if you need a rental car
- Trip interruption coverage: You can receive up to $100 a day for a maximum of $300 per claim if you break down on a trip (more than 100 miles from home)
These benefits are great if you need to file a claim. And it's easy to get your car repaired as you can take it to any ASE-certified mechanic in your area.
Cancel within 30 days or 1,000 miles
Once you've selected your plan, Toco Warranty offers affordable monthly payment options, a pay-as-you-go structure, streamlined claims processes, and the flexibility to select any licensed repair shop. Typically, coverage takes effect either after 30 days or once your vehicle has accumulated 1,000 miles. This means you have 30 days to cancel with zero stress.
Top scores across the board
It's hardly surprising that Toco Warranty holds an "A+” rating and accreditation from the Better Business Bureau. The website's intuitive navigation and transparent plan details underscore the customer-centric and straightforward nature of their auto warranty service. On top of the perfect BBB score, the company also has a 4.3-star average from reviewers on the BBB and a perfect 5 stars from other third-party review sites. This is one of the most impressive reputations we've found. Customers praise everything from the sign-up process to the customer service, to how easy it is to complete a claim and get vehicles repaired. Overall, there just aren't any complaints about any part of the Toco Warranty process.
Comes in second, but just barely
The bottom line? Toco Warranty is one of your best options, especially if you have a higher mileage car, since you can choose your coverage by mileage and more heavily used vehicles aren't excluded here. On top of that, they offer some competitive benefits and a streamlined quote process that makes it easier than ever to get covered without the need for lengthy conversations with customer service (unless you want to). With an "A+” rating and numerous 5-star reviews, Toco Warranty earns their place as an excellent source for auto warranties.
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When you become the proud owner of a brand new car, you're often presented with the opportunity to add a warranty to your purchase to help protect your new daily driver. While purchasing a separate warranty is typically optional, it can be a worthwhile investment. Warranties provide a kind of shield to protect you from paying tons of money for an unforeseen problem with your vehicle down the road.
While dealerships often offer warranties on new cars, you might find yourself missing that same security on used models or something you've bought directly from a seller. In that case you might want an auto warranty which is essentially an insurance policy for your vehicle's operating systems.
Auto Warranty Plan FAQ
Continued from above...
You might be asking, how can an auto warranty help me? Does it make that much of a difference? Imagine this: you're cruising down the highway, windows down, enjoying the breeze through your hair, when suddenly, your engine sputters to a halt, or the electrical system goes haywire, or your steering locks up. What seemed like a normal daily drive is now a massive problem.
Aside from your personal safety, your second-most concern will be the looming costs of repairing whatever just went wrong. It's a horrible feeling, we know. Regardless of whether your vehicle is fresh off the assembly line or a seasoned classic with 100,000+ miles on it, mechanical problems or accidents can happen any time.
That's where auto warranties come in. Basically an auto safety net, these warranties allow you to pay a pre-determined and relatively modest fee, either in monthly installments or a lump sum, and offer you assurance that if one of the problems in the scenario above were to occur to you, you'll be protected from most (if not all) of the financial burden.
Auto warranties encompass a broad spectrum of potential malfunctions, including but not limited to those concerning the transmission (ouch!), engine, powertrain, heating/cooling systems, and various other vital components of your vehicle. Repairing (and/or replacing) any of these items can be extremely expensive, not to mention the frustration and anxiety that come when you have to deal with auto repairs.
For example, replacing a transmission costs thousands of dollars just for the parts. Then you need to worry about the mechanic's fees, which usually cos t at least as much as the parts. An auto warranty can make the difference between breaking the bank (or even looking for a new car), and keeping your trusty vehicle in top condition.
But with so many options out there it can be hard to know what auto warranty plans might work best for you. Don't worry, as your friendly (online) neighborhood car enthusiasts, we've checked out the best options for you. Here are a few factors that might help you make your decision:
- Price. The cost of an auto warranty plan is a huge part of making your decision. Make sure you check out and compare the pricing structures of multiple warranty plans. Is the plan's cost justifiable, especially if you're hoping not to need it for years to come? Make sure you get the maximum value for your money, and that the pricing schedule (one-time payment vs. monthly payments) is something you're comfortable committing to.
- Coverage. The type of coverage can also help you make your decision. Which components and potential issues are covered by the warranties? Is there a particular part of your vehicle you want covered? What is the coverage timeline? The last thing you want is to encounter a common problem with your car only to discover that it falls outside of the warranty you've been paying for.
- Reputation. Don't forget to evaluate a warranty provider's reputation. How seamless and supportive is the process for submitting a claim when the need arises? Can you rely on the warranty provider to stand behind you when you need their help? Checking out the company's reputation and reviews from past customers can give you a clear idea on who to trust to protect you and your vehicle.
To help you find the best warranty plan for your specific needs, Top Consumer Reviews reviewed and ranked the best auto warranty options online today. We want you to feel confident in the safety of your vehicle and know that should the need arise; your auto warranty will protect you and your car. We hope this helps take the stress out of auto ownership and get you back to enjoying the drive, whether you're commuting to work or taking a weekend beach trip with your windows down!
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