Concord Auto Protect vs. Toco Warranty
Compare coverage, cost and reviews
 |  |
|---|---|
2.1
1,202 reviews
|
4.9
750 reviews
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| No. of plans:3 | No. of plans:4 |
| Max mileage120,000 | Max mileage250,000 |
| Max vehicle age23 years | Max vehicle age25 years |
| Waiting period30 days | Waiting period90 days and 1,000 miles |
+1 more
Concord 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.
Concord Auto Protect is better for buyers who need basic coverage. Entry-level plans from Concord include reliable protections for key components like brakes and cooling systems. While its premiums are higher than Toco’s, Concord’s focus on essential components makes it a practical option for bare-bones coverage.
We recommend Toco Warranty for its great value. Toco offers lower premiums than Concord Auto Protect while providing coverage for older vehicles with higher mileage limits. This combination of affordability and coverage makes Toco an excellent choice for budget-conscious buyers who want reliable protection.
Concord Auto Protect vs. Toco Warranty coverage
Plans from Concord Auto Protect and Toco Warranty offer varying levels of coverage for your vehicle's parts and systems.
Concord Auto Protect coverage
Concord Auto Protect offers three extended auto warranty plans: Powertrain, Advanced and Premium.
- Powertrain covers six items including the engine, transmission, drive axle(s), electrical system, cooling system and brakes.
- Advanced expands the Powertrain coverage to include all-wheel-drive/four-wheel-drive components and steering components.
- Premium, the most comprehensive plan, protects everything in the first two plans and adds coverage for heating and air conditioning components, fuel system, anti-lock brake system (ABS), high-tech electronics, turbo/supercharger and front/rear suspension.
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 | ||
| Engine | | |
| Transmission | | |
| Drive axle | | |
| Transfer case | | |
| Seals and gaskets | | |
| Turbocharger/supercharger | | |
| Heating system | | |
| Cooling system | | |
| Air conditioning | | |
| Brakes | | |
| Suspension | | |
| Steering | | |
| Fuel system | | |
| Electrical components | | |
| Navigation/GPS | | |
| High-tech components | | |
» LEARN MORE: What does a car warranty cover?
Concord 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 Concord 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.
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).
| Model and mileage | Concord Auto Protect | Toco Warranty |
|---|---|---|
| 2013 Ford F-150 (150,000 miles) | $1,311 per year | $1,148 per year |
| 2014 Honda CRV (135,000 miles) | $1,285 per year | $928 per year |
| 2015 BMW 3 Series (125,000 miles) | $2,129 per year | $2,823 per year |
| 2016 Toyota Camry (110,000 miles) | $1,151 per year | $949 per year |
Concord Auto Protect vs. Toco Warranty policies
Concord Auto Protect is available nationwide and provides a 30-day money-back guarantee to all customers (provided no claims have been made during that time). Customers can choose any ASE-certified mechanic, as well. All Concord plans have a waiting period of 30 days.
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 | Concord Auto Protect | Toco Warranty |
|---|---|---|
| Vehicle inspection required | | |
| Contract length | Month to month | Month to month |
| Quote process | Online | Online |
Concord Auto Protect vs. Toco Warranty additional benefits
In addition to coverage for mechanical failures of your vehicle's parts, Concord Auto Protect and Toco Warranty offer a few other benefits.
All Concord Auto Protect plans include 24/7 roadside assistance (up to $120 per occurrence), trip interruption insurance (up to $50 per day for up to three days when more than 100 miles away from home), dead battery service, towing, locksmith service and rental care reimbursement (up to $225 and a maximum of three days). Plans are transferable and typically last three to five years.
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 | Concord Auto Protect | Toco Warranty |
|---|---|---|
| Roadside assistance | | |
| Rental car reimbursement | | |
| Trip interruption | | |
| Transferability | | |
Concord Auto Protect vs. Toco Warranty reviews
For an honest assessment of customer satisfaction, let's examine what actual policyholders say about Concord Auto Protect and Toco Warranty.
Concord Auto Protect reviews
Some Concord Auto Protect reviews reported excellent customer service, a smooth purchasing process and competitive pricing. Some highly recommended the product.
“Two claims have been approved by the staff at Concord Auto Protect. The process was easy and they paid for the repairs in full. I can not complain about anything because they did their job. I would easily recommend them to others that are looking for a car warranty company to use that is priced fair.” — Dylan from New York
Other reviewers complain about delayed claims processing, unresponsive communication and denials for covered repairs.
“My vehicle has been in the shop for 53 days since the initial claim process began and like many others I call nearly every day and email every day and get nowhere.” — Keith from Michigan
» SEE FOR YOURSELF: Concord 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: Concord Auto Protect or Toco Warranty?
All things considered, what kind of driver is each provider best for?
Concord Auto Protect is best for car owners seeking longer policy terms and broad availability of repair facilities.
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.
