Our reviewers evaluate products and services based on unbiased research. Top Consumer Reviews may earn money when you click on a link. Learn more about our process.

Toco Warranty Review

Friday, December 9th

2022 Auto Warranty Plan Reviews

Toco Warranty Review 4.5 Star Rating

Toco Warranty

4.5 Star Rating

Toco Warranty has been featured on Fox News, ESPN, Hallmark, Game Show Network, MLB Network, ION television, MTV, National Geographic and many other media outlets. Hundreds of customers would attest to the professional, clear, and reliable vehicle coverage services they provide. At this time, it is unfortunate that they are not available in Alaska, Missouri, and Washington because their instant quotes and straightforward plans have earned Toco Warranty our highest rating among auto warranty services.

Clear guidance

When you reach the Toco Warranty website, a live support chat bubble pops up allowing customers to talk with a representative right away. We appreciate the customer-oriented layout that does not assume all customers know what they are looking for and need. Even without chatting with customer support, you'll be able to find clear guidance about the plans, pricing, and procedures throughout the web pages of Toco Warranty's website.

4 auto warranty plans

Four simple plans are provided through Toco Warranty. It is easy to know which one to choose based on the year and mileage of your car:

  • Blue Plan: 2000 or newer with 100k - 175k miles
  • Green Plan: 2011 or newer with 60k - 100k miles
  • Yellow Plan: 2011 or newer with 60k - 100k miles (coverage extends beyond green plan)
  • Orange Plan: 2016 or newer with 0k - 60k miles

No down payment

For all of these plans, Toco Warranty requires no down payment, affordable monthly payments, pay as you go, simple claims processes, and the ability to use any licensed repair shop. Coverage typically goes into effect after 30 days or 1,000 miles.

Best Auto Warranty Plans

Easy quote

What we are most excited and impressed with at Toco Warranty is the simplicity of getting a coverage quote. You'll provide vehicle information (they actually have a fully accurate and updated list for newer vehicle models, unlike some competitors) and answer some questions about your car. The quote form is more thorough than any others we have seen by asking things like the number of miles you drive each year, purposes for driving (commercial vs. non-commercial), if you've made modifications to your vehicle, if you've been in an accident, etc.

These questions are specific to your vehicle and allow Toco Warranty to provide you with an instant quote. Hallelujah! We were pumped not to have to wait for a phone call or email and to be able to chat with customer service about plan details, contract length, number of monthly payments, per-visit deductible, the waiting period, and estimated monthly payments. All of it was outlined clearly right after we submitted our information, which we really appreciated.

Hundreds of customer reviews

It is not surprising that Toco Warranty receives an A+ rating from the Better Business Bureau. Navigating through their website and viewing their plan details make it obvious enough that this is a customer-friendly, clear cut auto warranty service that doesn't play games. The hundreds of customers who give positive customer feedback also make us confident in giving Toco Warranty high marks among auto warranty coverage services.

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

When you purchase a new car, an auto warranty is usually an optional purchase along with it. This is a good choice for vehicle owners who want to spend a little extra each month or in one lump sum for peace of mind about dealing with potential vehicle issues down the road (no pun intended). Generally, a warranty extends for a certain number of years or until the vehicle reaches a specific number of miles.

Heaven forbid you have an engine blowout, faulty brake system, electrical issue, or steering malfunction as you're cruising along in your car. If this were the case, a big concern for you (besides your safety) would be the thousands of dollars it could cost to get these major issues repaired. Whether your vehicle is brand new or a few years old, unfortunately things go wrong with cars that you can never predict.

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...

Auto warranties make it so that vehicle owners pay a contracted price much lower than the total cost of a major repair to ensure that if a big issue arises, the costs for fixing the vehicle will be covered. Some major repairs that might be covered under warranty include transmission, engine, powertrain, heating/cooling, and other necessary vehicle parts.

Before choosing an auto warranty plan, we suggest you keep the following criteria in mind:

  • Price. Consider the plans of a few different auto warranty plans. How do they compare cost-wise? Make sure the price of the plan will be worth it if you are paying for the warranty a few years before needing to get repairs covered.
  • Coverage. Make sure you know exactly what is covered under the auto warranty. You don't want to deal with a common vehicle issue and find out it wasn't included under the warranty you've been paying for.
  • Reputation. How smooth is the process for submitting a claim? When you have an auto warranty claim, will they stand behind you? Have they been in business with happy customers long enough for you to know they will still be around for a while?

To help you identify the best auto warranty plan, TopConsumerReviews.com has reviewed and ranked a variety of options. We hope this information helps you find the auto warranty plan that fits your needs!

See the Best Auto Warranty Plan
The Best Reviews of Auto Warranty Plans