Toco Warranty: Reviews, Costs, and Coverage
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Toco has an impressive history of customer service but is it the best choice for you? In this review, we’ll explore Toco warranty reviews from customers and take a closer look at the provider’s extended car warranty coverage, cost, and the claims process. Then, we’ll see how Toco stacks up against the best extended car warranty providers in the industry.
Whenever you shop for vehicle protection, it’s always smart to compare quotes from multiple companies. You can start getting free quotes from our top-rated warranty providers above.
Pros | Toco has high ratings from industry experts and customers, and no down payment is required to activate coverage. |
Cons | Plans are not available in Alaska, Missouri, and Washington, and the online quotes tool was unable to give our research team a quote. |
Bottom Line | A Toco extended warranty could bring you peace of mind on the road, but make sure to compare your options. |
Table of contents
Toco Warranty Review: 3.8 Stars
Toco warranty reviews are a positive indication that this provider could be a good choice for your vehicle protection needs. However, the company’s coverage plans and benefits are standard, and our review team had trouble connecting with Toco to get a quote.
For these reasons, we recommend shopping around and considering a few other reputable extended car warranty companies.
Toco Warranty Highlights
Overall Rating |
3.8 |
|---|---|
Reputation |
4.0 |
Coverage |
3.8 |
Price |
4.0 |
Transparency |
2.3 |
Customer Service |
4.1 |
Located in West Hills, CA, Toco Warranty Corp. has been underwriting vehicle service contracts since 2013 and is backed by AmTrust Financial Services. Toco warranty reviews indicate that the company has a positive reputation in the car warranty industry among customers and experts alike.
With no activation fee required to start a car warranty plan and comprehensive coverage options available to protect many car parts, Toco may be a good choice for an extended warranty.
Toco Extended Auto Warranty Coverage
Toco Warranty Plan |
Coverage |
Best For |
|---|---|---|
Orange |
Exclusionary bumper-to-bumper contract |
Vehicles up to 5 years old with under 60,000 miles |
Yellow |
Comprehensive stated-component coverage |
Vehicles up to 10 years old with under 100,000 miles |
Green |
Enhanced powertrain coverage for many essential components |
Vehicles up to 10 years old with under 100,000 miles |
Blue |
Basic powertrain coverage |
Vehicles up to 20 years old with under 175,000 miles |
Benefits that come with every Toco extended car warranty include:
- Roadside assistance
- Rental car reimbursement
- Trip interruption benefits
- Hotel discounts
What’s Not Covered Under a Toco Extended Car Warranty?
Toco extended car warranties are comprehensive, but they do not cover everything. Some repairs that are not covered by a Toco warranty or most other warranties include:
- Normal wear and tear items
- Damage from a collision
- Damage from misuse, abuse, and neglect
Vehicle service contracts are not available in Alaska, Missouri, and Washington.
Toco Extended Warranty Cost
Toco does not disclose pricing on its website, but we found Toco warranty reviews stating customers paid between $90 and $125 per month for bumper-to-bumper coverage. It’s unclear what vehicles these customers had, but these prices are average for exclusionary coverage.
Some factors that could influence the price of your extended car warranty include:
- Your location
- The type of car you drive
- The number of miles on your odometer
- The pan you choose
- Your deductible
One nice thing about Toco is that it offers pay-as-you-go coverage. Plans can be canceled at any time, but you may be subject to a cancellation fee.
Quotes and Claims Processes
Toco Warranty Claims
Take your vehicle to any state-licensed repair shop or dealership and have your mechanic contact Toco. Once repairs are completed, you’ll pay your deductible, and Toco will pay the rest of the repair costs directly to the facility.
Toco Warranty Reviews and Ratings
Positive Toco Warranty Reviews
Favorable Toco reviews highlight the company’s professional and courteous staff, hassle-free claims processing, and comprehensive plans that cover many car repairs.
“I had a wonderful experience with Toco Warranty. They really came to my rescue. I love doing business with them.”— Akreisha S. via BBB
“This was fast, and [Toco] did a great job… fixed my car quickly, got me back on the road, and saved me $500.”— Jack G. via BBB
Negative Toco Warranty Reviews
While there are not many negative Toco warranty reviews, most focus on claims for water pump repairs being denied, slow claims processing, and expensive premiums. Toco uses subcontractors to administer claims, and many customers seem to be in agreement that these subcontractors could improve their customer service.
“Unfair and inaccurate claims process. Items covered are the items that never break. There are words that are put on [the] agreement that allows them to scam people and prevents them from paying. I would not waste my money on this company. I feel they are frauds.”— Albert S. via BBB
“My water pump went out on my car. I filed a claim and was told they would only cover the water pump but not the water pump belt or the tensioner, which is a part of the water pump. So I have to come out of pocket with $487, and I feel they should have covered those parts.”— Elvis R. via BBB
Negative Toco warranty reviews were almost all addressed by Toco to customers’ satisfaction, which helped earn the company an A+ rating from the BBB.
Experts also have high opinions of Toco extended warranties. Toco’s parent company, AmTrust Financial, has an AM Best rating of A-, which indicates that Toco is in a good financial position to reliably pay out customer claims.
Top Recommendations for Extended Car Warranties
Endurance: Best Coverage
Endurance provides the industry’s best extended car warranty coverage. It has comprehensive plans and a host of added benefits. Plus, Endurance warranty reviews are very positive overall.
Endurance plans come in six coverage levels:
- Supreme: Bumper-to-bumper exclusionary coverage for high-tech vehicles
- Superior: Comprehensive stated-component coverage that’s best for drivers who want extensive protection but don’t need high-tech component coverage
- Secure Plus: Enhanced powertrain coverage that covers the basic vehicle components, plus a few extra systems like the air conditioning and brakes
- Secure: Affordable powertrain coverage that’s best for drivers on a budget
- Select Premier: Specialty coverage designed for high-mileage vehicles
- EnduranceAdvantage™: Covers mechanical breakdowns as well as maintenance
Endurance extended warranty benefits are included through the Endurance Elite Benefits program. Every customer gets enrolled into this benefits plan for free for their first year of coverage. Endurance Elite perks include:
- 24/7 emergency roadside services
- Total loss protection
- Collision discount
- Two tire repairs or replacements per year
- Key fob replacements
- Endurance mobile app
CARCHEX: Best For Used Cars
CARCHEX is our second-highest-rated provider. This company provides the best service in the extended car warranty industry. It has a largely positive reputation, with an A+ rating from the BBB and partnerships with industry-leading companies like CARFAX, Edmunds.com, and Kelley Blue Book.
CARCHEX offers customers five levels of coverage:
- Titanium: Highest level of coverage, similar to a bumper-to-bumper warranty
- Platinum: Provides the highest level of stated-component coverage that includes all major parts and systems listed on the contract
- Gold: Covers all major systems and is the best plan for cars with over 60,000 miles on the odometer
- Silver: Provides enhanced powertrain coverage for your vehicle
- Bronze: Protects your car’s most vital powertrain components, including the engine, transmission, and drivetrain
Some benefits that come with all CARCHEX plans include:
- 24/7 roadside assistance
- Towing
- Rental car reimbursement
- Gas delivery
- Trip interruption coverage
Read more in our complete CARCHEX review.
Methodology
- Price: Comparing providers can be difficult due to the many factors that influence cost. To determine this score, we employ a secret shopper analysis using different vehicles, mileages, warranty plans, and locations.
- Coverage: A wide variety of coverage is essential to support the differing needs of customers. We take into account the number of extended car warranty plans available, term limits, exclusions, and additional benefits.
- Customer Service: The level of customer service and care provided by an extended warranty company is an important consideration. Our review team sifts through customer reviews and complaints from reputable sources such as the Better Business Bureau (BBB) and Trustpilot. We also consider the responsiveness of each company’s customer service team based on our secret shopper analysis.
- Reputation: Good extended warranty providers consistently provide quality experiences. Our team takes into account BBB ratings and the company’s history of reliable service when giving this score.
- Transparency: Customers value a commitment to open and honest communication when it comes to vehicle service contracts. Our team of experts takes into account the availability of money-back guarantees and sample contracts.
Stephen Kenney is a writer and editor who focuses on car insurance, auto financing, and vehicle shipping services. He's a graduate of UNC-Chapel Hill and has experience covering categories ranging from travel to sports to environmental sustainability. In his free time, Stephen enjoys going on long-distance runs, trying out new recipes, and exploring his adopted hometown of Cincinnati.
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