Write a review
  3. Automotive
  4. Extended Car Warranties
  5. Best Extended Auto Warranties

Omega Auto Care vs. Toco Warranty

Compare coverage, cost and reviews

Author picture
Written by Matt Zane
+1 more
Author picture
Edited by Jon Bortin

Simplify your search

Compare plans tailored to your car & budget.

    Omega Auto Care 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.

    We recommend Omega Auto Care to buyers looking for the lowest pricing. Both low- and high-tier plans from Omega cost less than those from Premier.

    Toco Warranty works best for buyers who need comprehensive coverage and don’t mind paying a little more to get it. A premium plan from Toco will cost more, but you’ll get more coverage and pay less out of pocket should you need repairs.

    Omega Auto Care vs. Toco Warranty coverage

    Plans from Omega Auto Care and Toco Warranty offer varying levels of coverage for your vehicle's parts and systems.

    Omega Auto Care coverage

    Omega Auto Care provides five plans across three tiers: Powertrain, Powertrain Plus, Powertrain Enhanced, Used Stated and Exclusionary. Each plan covers various components within each category, so checking your specific contract to determine what’s included is important.

    • Powertrain covers some parts of your engine, forced induction (turbo/supercharger), transmission, transfer case and drive axle(s).
    • Powertrain Plus increases the coverage on each of the named systems in Powertrain and adds coverage for some components of your air conditioning and heating systems.
    • Powertrain Enhanced covers everything in the first two plans plus additional parts of each named system. It also extends protection to some parts of the cooling and fuel systems.
    • Used Stated expands on the previous levels by adding coverage for some steering, brake and electrical system components.
    • Exclusionary, the most comprehensive plan, covers everything in the previous plans, along with additional parts for each system. It also adds coverage for up to two labor hours for emergency repairs. This plan covers almost all components of each system, except those specifically listed as “not covered” within your policy documents.

    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:

    » LEARN MORE: What does a car warranty cover?

    Omega Auto Care 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 Omega Auto Care 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.

    To get a quote from Omega over the phone, you will need to disclose your vehicle’s VIN number to the company to accurately access your vehicle's current status. We used Chaiz, an online extended auto warranty broker, to gather quotes since it offers estimates for Omega plans. All four of the quotes we collected are based on the Powertrain Plus plan, as the basic Powertrain plan is only available for vehicles with 150,001 to 250,000 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).

    Omega Auto Care vs. Toco Warranty policies

    Omega Auto Care covers vehicles up to 15 years old with less than 250,000 miles. It allows you to choose any licensed repair facility, but repairs must be approved before work starts.

    Used Stated plans cover vehicles up to 10 years old or with under 150,000 miles. Exclusionary plans apply only to vehicles up to seven years old with fewer than 100,000 miles. Powertrain plans accept vehicles less than 15 years old and under 250,000 miles. Down payments and deductibles apply.

    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.

    Omega Auto Care vs. Toco Warranty additional benefits

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

    Omega Auto Care benefits

    All Omega Auto Care plans come with roadside assistance ($100 limit per occurrence), rental car reimbursement (up to $30 per day) and trip interruption protection ($75 per day, up to three days when you’re more than 100 miles from your home).

    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.

    Omega Auto Care vs. Toco Warranty reviews

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

    Omega Auto Care reviews

    Omega Auto Care’s positive reviews reflect an appreciation for its reliable coverage, follow-through on covered repairs and great customer service.

    • “I needed to get something replaced and I saved some money by using them. So, that was nice. The repair was super quick. I went into the dealership and told them my car was doing this funny thing. They looked at it and said they could buy the product for me. By the time I came back, they had the product and had the car fixed, and had already gotten what they needed from Omega.” — Naomi in Michigan

    • “I love Omega Auto Care. The service is great. They give more than any other warranty I've seen out there. ... I had a problem with my radiator and Omega did a great job of taking care of it. The customer service was quick too.” — Leonard from Florida

    Negative reviews mention frustration with denied claims, slow claims processing and poor communication.

    • Yvonne from Maryland complained, “When the adjuster finally contacted me almost a week later. He informed me that he needed a copy of my auto service invoices, but if I didn't have one, it would not be a problem.” However, she received another call a few days later stating she needed to provide “ALL invoices for the entire time I owned the car.”

    » SEE FOR YOURSELF: Omega Auto Care 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: Omega Auto Care or Toco Warranty?

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

    • Omega Auto Care is best for customers seeking an extended auto warranty with multiple plan options, especially those with older vehicles.

    • 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