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Toco Warranty Review

Monday, July 14th

2025 Auto Warranty Plan Reviews

Toco Warranty Review 4.5 Star Rating

Toco Warranty

4.5 Star Rating
  • 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.

Best Auto Warranty Plans

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.

Best Auto Warranty Plans

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.

Where is the Best Place to Get an Auto Warranty Today?

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.

The Best Auto Warranty Plans Compare Auto Warranty Plans Compare Auto Warranty Plan Reviews What are the best Auto Warranty Plans Best Auto Warranty Plan Reviews

Auto Warranty Plan FAQ

There are lots of companies offering warranty coverage for your car. They work very similarly to health insurance: you'll pay more for higher coverage, some things are covered and some aren't, and your policy will have a time limit. You can shop around for auto warranty plans just like insurance, too: you don't have to go with the plans offered at the dealership.
That depends on your car and your coverage. On a new vehicle, you might pay $25/month for bumper-to-bumper coverage, but an older vehicle's premium could be three times that. You can usually pay in full or monthly, with no difference in total cost.
The cost of your auto warranty will never be cheaper than when your car is new. But, you'll want to read the terms of your plan very carefully. While warranty plans at the dealership usually start from the time the manufacturer's warranty runs out, third-party plans often start from the date you purchase them. That could mean you're paying twice for the same coverage.
Probably. Each provider sets the limit for coverage, but there are options for cars with up to 150,000 miles! Most auto warranty plans are available for cars that are 20 years old or newer.
YES! The most important part of choosing an auto warranty plan is knowing what's covered and what isn't! Even comprehensive plans don't cover items with normal wear-and-tear, like brake pads and tires. The most user-friendly plans usually give you a list of what isn't covered - and if it's not on that list, it's covered!
Sometimes, but it's usually limited to the first 30 days after the purchase date. Again, be sure to read the terms of your auto warranty plan very carefully, to avoid any unpleasant surprises when you go to use your policy for the first time.
Almost all plans let you use the mechanic of your choice. Some providers will reduce your deductible if you go to one of their network partners.
Despite all of the annoying spam phone calls you've gotten, desperately trying to contact you about the expiring warranty on your car, auto warranty plans are a real thing. And, when you choose a plan from a reputable provider, you can save thousands of dollars on car repairs.
Compare the Best Reviews

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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