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Toco Warranty Reviews

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Toco Extended Car Warranty Review by Industry Expert – Chris Teague

Are you in search of an extended car warranty? Toco Extended Car Warranty reviews will help you make an informed decision, giving you the facts that matter most. Navigating the multitude of options can be quite a challenge. So to help readers find the best auto warranty plan we brought in automotive expert, Chris Teague.

Chris Teague, a seasoned industry expert, brings his wealth of knowledge and hands-on experience to the table, providing an objective and informative assessment.

Picture driving with the confidence of knowing unforeseen repairs won’t derail your plans. This is the assurance that top-rated extended car warranties provide. Unfortunately, you can’t wait until your car breaks down and then purchase an extended car warranty. It is important to purchase an extended car warranty before your car breaks down because it can save you thousands of dollars in unexpected repair costs. So, let’s explore the value, benefits, and reputation of Toco’s extended car warranty.”

Toco auto warranty reviews

Is Toco Vehicle Protection Plans a trustworthy company?

Toco Warranty has an A+ rating from the Better Business Bureau (BBB) and an average customer rating of 4.1 out of 5 based on 88 reviews. Toco Warranty also has an average rating of 4 out of 5 on Google based on over 190 reviews and a rating of 5 out of 5 on Consumer Affairs based on over 600 reviews. This makes it one of the highest-rated extended auto warranty providers in the industry.

Toco Warranty plans are backed by AmTrust Financial, a Fortune 500 insurance company. This gives Toco customers access to a network of preferred auto repair shops, which can help them save money on repairs.

What does Toco Warranty cover?

Toco Warranty offers extended auto warranty plans for vehicles with up to 200,000 miles on the odometer. Coverage lasts until the vehicle reaches 250,000 miles.

Toco Warranty coverage includes:**

  • You can choose your own mechanic.
  • Toco pays for your rental car while your car is in the shop.
  • Locksmith help, tire changes, and gas delivery are all included.

And when it’s time to pay, Toco pays the expenses directly, so you never have to pay out of pocket like with some insurance plans.

About Toco Warranty

Toco Warranty is a relative newcomer to the extended car warranty industry, but it has quickly made a name for itself with its affordable prices, comprehensive coverage plans, and excellent customer service. Toco offers a variety of coverage options, including bumper-to-bumper coverage, powertrain coverage, and drivetrain coverage. It also offers a number of add-on benefits, such as rental car reimbursement and trip interruption coverage.

Toco’s Strengths

  • Competitive pricing
  • Comprehensive coverage plans
  • Excellent customer service
  • Flexible payment options
  • Variety of deductible amounts

Toco’s Weaknesses

  • Not available in all states
  • Some customers have reported difficulty getting claims approved
  • How Toco Compares to Other Providers

To summarize, Toco is a good option for consumers looking for an affordable and comprehensive extended car warranty. However, it is important to compare Toco to other providers to find the best coverage for your needs and budget. You can read CarChex and CarShield reviews to learn more about other popular extended car warranty providers.


If you are considering purchasing an extended car warranty from Toco, be sure to read the fine print carefully and understand the terms and conditions of the warranty. You should also compare Toco to other providers to find the best coverage for your needs and budget.


  •  In-house administration

  • High-mileage vehicles can be covered

  • Monthly payments with cancellation at any time

  • A+ BBB rated and accredited


  • Coverage is not available in all states

  • Long list of exclusions

  • A newer company on the market

Toco Warranty Process to Get Started

Toco’s customers have great things to say, but signing up for a plan might be a surprise if you’re used to completely online sign-up processes. The company requires that new customers submit their email address and phone number to receive a quote. That’s in contrast with others, like Olive Warranty, which offers quotes entirely online and does not require a phone call to get started. At the same time, the process, by all accounts, is mostly painless. Toco’s phone reps are also highly rated for transparency and response times, so the company goes out of its way to make the phone call as smooth as possible.

Toco Warranty Extended Car Warranty Claims and Process

The good news is that Toco makes the signup process painless. The bad news is that the company’s waiting period can seem extreme compared to others. New customers have to wait 90 days and 1,000 miles before filing a claim, which Toco says is to prevent coverage of vehicles with pre-existing conditions. While that certainly makes sense, what doesn’t is that Toco’s waiting period is significantly longer than its competitors. 

Policyholders can file a claim by taking their vehicle to a licensed repair facility or calling the Toco claims line. The shop will communicate with Toco, and if the condition is covered, the company will pay the shop directly. The claims administrator may ask for more detailed diagnostics to ensure that the repair is covered and may need to inspect the vehicle before paying the claim.

Reasons Toco Warranty Denies Claims

Beyond the list of non-covered components, Toco’s list of exclusions is long and detailed. The company will not cover a parts failure caused by a non-covered part, even if the failed component is covered. Breakdowns caused by neglect, abuse, or damage caused in a crash are also not covered. Toco is also specific about the degree to which a component has to have failed before it can be protected, meaning that some breakdowns might not be covered if the component causing them has not completely failed or moved past a point of operability.

Modified vehicles might not be covered, which includes if the vehicle’s components have been tampered with, such as odometer rollbacks. Finally, it’s important to note that Toco won’t cover a repair if the vehicle hasn’t been promptly taken to a shop. If the owner notices a problem and continues driving the vehicle, further damage could occur that would not be covered by a Toco warranty plan. 

Toco Warranty Costs and Prices

According to customer reviews, Toco auto warranty plans exhibit a pricing range of $2,450 to $4,800 over a span of four years. One distinct advantage of engaging with Toco is the absence of long-term contracts; their approach is based on a pay-as-you-go model.

Consequently, by breaking down these costs into monthly installments, the potential expense of Toco auto warranty coverage could be as low as $51 per month.

These price points fluctuate, contingent upon factors such as the car’s make, model, mileage, and manufacturing year. To obtain an accurate quote, it’s recommended to directly contact Toco.

How to get a Toco Car Warranty Quote?

Call for Toco auto warranty quotes at 855.298.8626 or email

Toco will require your vehicle identification number (VIN) to validate your car’s information.

They adhere to this practice to ensure the accuracy of the quote. Thus, it’s advisable to be prepared to provide your VIN during the conversation.

Additionally, they will inquire about the following details regarding your vehicle:

  • Total mileage
  • Make
  • Model
  • Year
  • Whether there is a clean title free of accidents

Is Toco warranty coverage expensive?

Like many other extended vehicle warranties, Toco’s coverage can become quite expensive over the term of the contract. Still, the company is one of the more flexible when it comes to payment options and monthly payment amounts.

Customers can also pay as they go and cancel at any time, so there’s no long-term commitment or need to feel stuck with the service. That said, higher-mileage cars may not be eligible for the same length of coverage and may cost more to cover.

The good news is that all Toco plans have benefits that significantly boost their value. Policyholders get 24-hour roadside assistance, hotel and motel discounts, rental car reimbursements, and trip interruption coverage. Of course, there are limitations, and Toco clearly outlines how much it reimburses for each service. 

Toco Warranty Customer Reviews

The Better Business Bureau has accredited Toco since 2014, and the business currently holds an A+ rating with the organization. It has closed 52 complaints against the company in the last three years, ten of which came in the previous year. The complaints are mostly related to claims payments, with many customers stating that the company did not cover repairs they believed should have been paid for. Some complaints came from customers whose claims were partially paid due to limits on payouts from Toco. The company responded to those customers with a statement that its coverage limits are similar to the ones placed on insurance policies, so it’s essential to read and understand the benefits and limitations of your contract.

Toco achieved a rare five-star average on Consumer Affairs, though there are only 32 reviews. Customers state that the company offers responsive service and thorough answers to concerns. They report that Toco’s representatives were helpful throughout the process and felt fully supported with claims and other issues.

Should You Buy a Toco Warranty?

Toco’s solid customer reviews and flexible payment options are enough to warrant a close look by anyone considering an extended vehicle warranty. The company has a stellar online presence and offers coverage for vehicles with high miles. Additionally, Toco handles its claims in-house, which helps it deliver better customer service and faster claims processing. 

At the same time, Toco’s list of exclusions and long waiting period make it hard to consider over a similar option without such extreme requirements. While it’s true that the company shouldn’t have to pay for pre-existing conditions, it’s also true that a 90-day waiting period feels like a way for Toco to get out of paying more claims. The customer is also stuck paying for coverage for three months without any return from the company. 

Toco Warranty Alternatives

Olive is a solid alternative to Toco, offering shorter waiting periods and a completely online buying experience. It’s the way to go if you hate dealing with people on the phone and just want a quick startup process.

The big players like CarShield and Endurance are also excellent choices, though they are not the cheapest warranty companies around.

Frequently Asked Questions

Is Toco Warranty a legitimate company?

Does Toco Warranty pay its claims?

How long is Toco Warranty’s waiting period?

How long are Toco Warranty’s warranty plans?


Review Toco Warranty Coverage Details

Toco covers most parts on your vehicle except for wear and tear items. Toco also covers the cost of repairs to your vehicle when it breaks down, as well as roadside assistance, towing, rental car, and trip interruption coverage.

What’s Covered?

  • Engine
  • Transmission
  • Drive axle
  • Transfer case
  • Turbo/supercharger
  • Electrical system
  • Cooling system
  • Air conditioning system
  • Fuel system
  • Technology and modern features
  • And more!

What’s Not Covered?

  • Pre-existing conditions
  • Breakdowns caused by negligence or failure to properly maintain your vehicle
  • Damage from other causes like storms or vandalism
  • Basic wear and tear
  • Aftermarket alterations, customizations or modifications to the vehicle
  • Non-working odometer
  • Salvagged, rebuilt, grey market or otherwise non-normal title vehicles
  • Property damage, injury or death
  • Repairs covered by a separate insurance or warranty contract
  • Commercial or unauthorized uses of the vehicle
  • Breakdowns outside of covered territory
  • Excessive diagnostic or teardown procedures

Why Choose Toco Vehicle Protection Plans?

  • Affordable pricing
  • Comprehensive coverage
  • Excellent customer service
  • Flexible payment options
  • Variety of deductible amounts

Overall, Toco Vehicle Protection Plans are a good option for consumers looking for affordable and comprehensive extended car warranty coverage.

Toco Extended Car Warranty RATING

Points (1-10)

Coverage Options and Flexibility 8
Claim Process and Customer Service  7
Plan Cost and Value for Money 8
Customer Reviews and Reputation  9
Financial Stability and Industry Ratings  7
Additional Benefits and Features 8
Deductible and Repair Shop Network 8
BBB Rating and Accreditation Status   9
Time in Business  6
Expert’s Subjective Rating  (1-20 Points) 17

Total Points


About Author

Dr. Ali
After earning an MBA, Chris began writing about tech and finance as part of his work as a bank analyst and consultant. Wanting to pursue his first love in life, Chris jumped ship and turned his focus to the automotive industry, first as a freelance writer for Forbes, J.D. Power, The Drive, and U.S. News & World Report, before starting and the America on the Road Radio Show. Chris brings more than ten years of experience in product reviews, in-depth analyses, and news, and has been recognized as a significant contributor in building the future of the automotive media field.
Dr. Ali

Teague-Residential & Automotive Product Researcher

Last Updated: December 14, 2023

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