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Toco Car Warranty Review 2024

Daniel Blechynden

In a Nutshell

Toco Warranty offers streamlined, hassle-free vehicle warranty solutions. There are no complicated add-ons, and the signup process is intuitive. Toco Warranty is compatible with any licensed repairer, and the claims process is very simple. When you arrive at the repair facility, have your mechanic call the Toco Claims team and they will take it from there.

pros

  • All plans administered in-house
  • Low monthly payments
  • Award-winning concierge team

cons

  • Plan level determined by mileage
  • Non-transferable

Toco Toco Visit Site

Toco Warranty Plans

 Toco Warranty has one plan with four levels of coverage. 

The Orange level provides exclusionary coverage, which lists components that aren’t covered instead of those that are. Vehicles with less than 100,000 miles on the odometer at the time of a claim, qualify for this level of coverage. 

The Yellow level provides listed parts coverage for vehicles that have less than 150,000 miles on the odometer at the time of a claim. This level covers many components of your vehicle, including your engine, transmission, drive axle, electrical components, suspension, turbo/supercharger, steering, and more. 

The Blue level, available for vehicles with less than 200,000 miles on the odometer at the time of a claim, provides coverage for your powertrain along with additional components that often need repairs. These systems include air conditioning, fuel system, and many electrical components.

The Green level is Toco Warranty’s most basic level, but any vehicle with less than 200,000 on the odometer will receive coverage until the odometer reaches 250,000 miles. This level covers your engine, transmission, drive axle, turbo/supercharger, and four-wheel drive transfer case. Hybrid vehicle options are also available.

To get a better idea of what coverage your vehicle qualifies for, you can visit Toco’s website to view sample contracts or give them a call to address any questions you may have. 




Orange (Best for comprehensive coverage)

Yellow (Best for general coverage)

Blue (Best for older vehicles)
Green (Best for basic coverage)
Air Conditioning
Yes
Yes
Yes
No
Brakes
Yes
Yes
No
No
Cooling System
Yes
Yes
Yes
No
Drive Axle
Yes
Yes
Yes
Yes
Electrical Components
Yes
Yes
Yes
No
Engine
Yes
Yes
Yes
Yes
Suspension
Yes
Yes
No
No
Fuel
Yes
Yes
Yes
No
Gaskets
Yes
Partly
Partly
No
Steering
Yes
Yes
No

Yes
Transfer Case
Yes
Yes
Yes
Yes
Transmission
Yes
Yes
Yes
Yes
Turbo/Supercharger
Yes
Yes
Yes
Yes

Optional Add-Ons

  • Mobility Package Hybrid Vehicle Option

Plan Exclusions

Although Toco plans cover thousands of parts on your vehicle, it does not provide coverage or benefits for any part not specifically listed in the schedule of coverages, wear and tear items, or if your vehicle qualifies for the Orange level of coverage.

A full list of these exclusions can be found in the sample contract listed on the Toco Warranty website. General maintenance, pre-existing conditions, and issues caused by a failure to perform maintenance aren’t covered. Other things that could void your policy include aftermarket alterations, unauthorized commercial use, and damage from things like fire, theft, or vandalism which fall on your insurance provider. 

Toco Warranty Plan Pricing

Toco Warranty offers custom prices. Price estimates are available via an online quote tool, which we tested to help you get an idea of what you can expect to pay. 

We were quoted $84.12 to $120.96 per month for a 2020 Ford Explorer with 40,000 miles. For a 2010 Nissan Pathfinder that has done 100,000 miles, you can expect to pay $94.38 per month. Similar price ranges appeared with further tests. Variable deductibles do apply if you need to request repairs. 


Mileage
Lower price estimate
Upper price estimate
2010 Nissan Pathfinder
100,000
$94.38
$94.38
2020 Ford Explorer
40,000
$84.12
$120.96

How to file a claim with Toco Warranty

If your car is driveable, you will need to take it to a licensed mechanic. Provide them with your contract and have them call Toco before repairs are carried out to ensure they are authorized. If your vehicle is disabled, call Toco to speak with an award-winning customer care agent who will schedule roadside assistance and get you to a mechanic of your choice.. Repairs will be made within a reasonable timeframe, but this can depend on your mechanic, how busy they are, and whether they need to wait for parts to arrive. Repairs are capped at the value of the vehicle when you make a claim, and there’s a lifetime repair cap of $15,000.

Is Toco Warranty Legit?

Toco Warranty has a great reputation across the web. It has an A+ rating from the BBB, along with just 62 complaints in the past 3 years. On TrustPilot, the company has a 4.4-star rating from 335 reviews. Toco has won several Gold Stevie Awards from 2021-2023 for its Customer Service Training or Coaching Program and Customer Care Department. This year Toco won awards in the following categories: Front-Line Customer Service Team of the Year, Customer Service Department of the Year and another award for Customer Service Training or Coaching Program of the Year. 

What’s Unique About Toco Warranty?

One thing that sets Toco apart from other companies is that they offer month-to-month payments so you can pay as you go and cancel if you no longer need it. Instead of spending money upfront on several years of coverage or making a large down payment, you can choose to make smaller monthly payments. They have an award-winning customer care team and because they administer claims in-house, they control the experience from beginning to end, which most companies are not able to claim. Toco’s coverage and benefits offer comparable or better coverage than their competitors and provide a customer experience that elevates Toco above most others in the space. 

Help and Support

Phone support is available from 9:00 am to 5:00 pm (CST), Monday to Friday. Email support is also available along with live chat during business hours.

On the plus side, there’s a large list of FAQs touching on everything from the finer details of your contract to billing and the claims process. There’s also a knowledge center containing a selection of basic informational articles. 

What about the Toco Warranty App?

Toco Warranty doesn’t currently have an app, but they do have a customer portal where you can manager your plan.

Toco Toco Visit Site

Bottom Line

If you’re looking for a simple vehicle warranty solution, Toco Warranty is a solid choice option. It offers competitively priced plans with simple online quotes, monthly payments, and full roadside assistance.

On top of this, Toco Warranty has a great reputation coupled with an A+ BBB rating. The claims process is quite simple, and you shouldn’t have any problems if you ensure you’re familiar with your policy before attempting a claim. 

FAQs

Is Toco Warranty a car insurance company? 

No, Toco Warranty isn’t a car insurance company. Rather, it offers vehicle warranty solutions that are designed to cover repair costs if your vehicle breaks down. Note, though, that only specified parts and vehicle components are covered unless your vehicle qualifies for exclusionary coverage. 

How much does Toco Warranty cost? 

The prices for a Toco Warranty subscription vary according to your vehicle, its age, and how many miles are on its odometer. Based on our research, average plans tend to sit around $85 per month, or even slightly less. 

Does Toco Warranty cover all repairs? 

No, only certain repairs will be covered by Toco Warranty. These will be clearly outlined in your policy. 

Daniel Blechynden writes for Top10.com and specializes in tech, with a focus on web hosting and website building, personal finance and investing, the sciences, and digital marketing. He holds degrees in Chemistry and Marine Science from the University of Western Australia and has written for a number of leading publications, including TechRadar, Tom's Guide, CampingAussie.com, and IT Pro Portal.

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