American Dream Auto Protect vs. Toco Warranty

American Dream Auto Protect and Toco Warranty both offer extended car warranties that protect you financially after your manufacturer’s warranty expires.

While they offer similar services, there are some differences between the coverage they offer, the cost of their plans and the additional benefits you get. We’ve analyzed both companies to help you decide which is the right fit.

American Dream Auto Protect vs. Toco Warranty coverage

Plans from American Dream Auto Protect and Toco Warranty offer varying levels of coverage for your vehicle's parts and systems.

American Dream Auto Protect coverage

American Dream Auto Protect offers three plans. You can fill out an online form to get a quote for your vehicle, but you’ll have to provide your contact information and wait for the company to contact you with your pricing details. You can also call directly to get a quote. Here are more details about each of its plans:

• Silver provides essential powertrain coverage only.
• Gold offers comprehensive coverage for your vehicle’s major powertrain systems.
• Platinum covers all powertrain and electrical systems.

Toco Warranty coverage

Toco Warranty offers one policy with four levels of coverage that correspond to your vehicle’s odometer reading at the time of service. Prices are not listed online, and to get a quote you must submit your vehicle’s make, model, year and mileage along with your contact information. Warranties are paid month to month.

• Green Level — 200,000 to 250,000 miles: This level covers the most expensive and essential parts of your vehicle but excludes components like cooling and air conditioning.
• Blue Level — 150,000 to 200,000 miles: Called “Powertrain Plus,” this level covers your vehicle's powertrain but excludes repairs on steering, brakes, suspension and technology like media players.
• Yellow Level — 100,000 to 150,000 miles: This high level of coverage includes repairs to your engine, transmission, drive axle, air conditioning, fuel system and more.
• Orange Level — 0 to 100,000 miles: The most comprehensive level of coverage, this is intended to cover all the same major vehicle systems as the original manufacturer's warranty.

All levels exclude coverage for “wear and tear” parts like batteries and battery cables, tires, upholstery and glass.

We’ve broken down what’s covered under each of the companies’ plans below:

Coverage
Plan	SilverGoldPlatinum	Green LevelBlue LevelYellow LevelOrange Level
Engine systems
Engine
Transmission
Drive axle
Transfer case
Seals and gaskets
Turbocharger/supercharger
Climate and cooling
Heating system
Cooling system
Air conditioning
Essential systems
Brakes
Suspension
Steering
Fuel system
Electrical and tech
Electrical components
Navigation/GPS
High-tech components

» LEARN MORE: What does a car warranty cover?

American Dream Auto Protect vs. Toco Warranty cost

The cost of an extended auto warranty can vary significantly based on several key factors. Vehicle age and mileage are typically the most influential factors — newer cars with lower mileage generally cost less to cover than older vehicles with high mileage. The make and model of your vehicle also impact pricing, with luxury and high-performance vehicles usually commanding higher premiums due to more expensive repair costs.

Additionally, plans with comprehensive coverage cost more than basic powertrain protection. Plans may also be more expensive depending on where you live.

We gathered quotes for different vehicles with varying mileage to give you an idea of how prices compare between American Dream Auto Protect and Toco Warranty. The prices below are for each company's lowest-tier plan unless otherwise noted. Keep in mind that coverage for these plans varies, so it’s not an exact apples-to-apples comparison of value.

For American Dream Auto Protect, we got quotes for a Ford F-150 and a Honda CRV with only 120,000 miles, since the company does not cover vehicles that have more than 130,000 miles.

Toco Warranty’s online quote tool shows you how much you’ll pay per month for an extended auto warranty. This level of coverage depends solely on your vehicle’s current mileage, so we received quotes for all four vehicles with the Yellow plan (100,000 to 150,000 current mileage).

American Dream Auto Protect vs. Toco Warranty policies

American Dream Auto Protect only offers a deductible of $125. We couldn’t find any stipulations for varying deductibles on different makes of cars. The company also has a $20 activation fee (one-time payment) when setting up a new policy. You can get a multiple-vehicle discount if you sign up for coverage on two or more vehicles at the same time.

Toco warranties are subject to a waiting period of 90 days and 1,000 miles and have a lifetime payout limit of $15,000. Deductibles are required for each visit. Your deductible amount is listed on your registration page — if there’s no deductible listed, the default amount is $100.

Benefit	American Dream Auto Protect	Toco Warranty
Vehicle inspection required
Contract length	Month to month, 3 years or 5 years	Month to month
Quote process	Call	Online

American Dream Auto Protect vs. Toco Warranty additional benefits

In addition to coverage for mechanical failures of your vehicle's parts, American Dream Auto Protect and Toco Warranty offer a few other benefits.

American Dream Auto Protect benefits

American Dream Auto Protect offers Elite Benefits as an exclusive package. It includes:

• Key fob replacement coverage for lost or damaged key fobs
• Tire repair and replacement services
• Collision repair discounts
• Total loss replacement assistance

Rental car reimbursement is limited to $30 per day or $150 maximum per repair. Trip interruption coverage provides up to $150 per day for up to three days when within 100 miles of your registered address.

Toco Warranty benefits

Toco also provides additional benefits, including the following:

• Roadside assistance like jump-starts, flat tire repair, fuel delivery and towing services up to 15 miles.
• Rental car reimbursement of up to $40 for every four hours of labor and up to $200 for each repair visit.
• Trip interruption if your vehicle breaks down more than 100 miles from your home and your car needs to stay at a repair facility overnight. Hotel and restaurant expenses are reimbursed up to $100 a day for up to three days.

Benefit	American Dream Auto Protect	Toco Warranty
Roadside assistance
Rental car reimbursement
Trip interruption
Transferability

American Dream Auto Protect vs. Toco Warranty reviews

For an honest assessment of customer satisfaction, let's examine what actual policyholders say about American Dream Auto Protect and Toco Warranty.

American Dream Auto Protect reviews

Customers have generally had positive experiences with American Dream Auto Protect. Some mention that the signup process was easy and that they appreciated the thoroughness of the coverage.

• “Filing a claim was much simpler than I thought it would. The radio needed to be replaced on my car. American Dream ended up replacing that and covering it. A wiring harness needed to be replaced as well. They covered that and the car rental.” — Roland from Georgia
• “I took my car for brakes and it was the easiest claim to ever submit. I picked where I wanted to take my car and took it over there. I gave them the information and they were the ones that submitted my claim to American Dream. Then they called me up and told me it was approved. It was really fast.” — Rosenda from Colorado

However, there were a few complaints about claim rejections and delays in receiving reimbursement.

• “When I used the warranty, American Dream covered majority of the cost of the repair, about 70% of it, but the rest came from my pocket. They were also supposed to give me back a refund for the rental but I never received it.” — Denis from Massachusetts

» SEE FOR YOURSELF: American Dream Auto Protect reviews

Toco Warranty reviews

Toco Warranty receives overwhelmingly positive reviews. Customers like the professional and helpful customer service, comprehensive coverage and that they aren't required to sign up for a long-term contract.

• “Morgan was super helpful in explaining the Toco Warranty program and all that it entails. This was our first experience with a vehicle warranty company and I had a ton of questions and Morgan was more than patience and made sure that I understood each one.” — Mike from Arkansas

• “They covered EVERY repair I ever needed and all I paid was 100 deductible. My passenger air bag went out, COVERED charge over 900. I paid 100. If you need coverage you need Toco!!” — Mitzi from Arizona

In the few negative reviews, customers express some frustration at being denied coverage for repairs they thought were included.

“I'm still not satisfied with the warranty coverage. I'd been a customer for almost a year and still I'm paying for repairs out of my pocket and I'm not for sure that I will recommend anyone to this company.” — Dramell from Ohio

» SEE FOR YOURSELF: Toco Warranty reviews

Bottom line: American Dream Auto Protect or Toco Warranty?

All things considered, what kind of driver is each provider best for?

• American Dream Auto Protect is best for drivers who prioritize strong customer service and a seamless claims experience.

• Toco Warranty is best for drivers who want one policy that stays in place for the life of their vehicle and who appreciate professional and friendly customer service.

If neither sounds like a good fit, or if you’d simply like to see more top-rated providers, check out our other picks for the best extended car warranty companies.

Looking for an extended car warranty?READ OUR GUIDE