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Premier Auto Protect vs. Toco Warranty

Compare coverage, cost and reviews

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Written by Matt Zane
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Edited by Jon Bortin

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    Premier 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.

    Premier Auto Protect is better for buyers who value flexibility in their warranty options. With more plans to choose from than Toco Warranty, Premier provides a wider range of choices, allowing buyers to match coverage to their specific needs.

    Toco Warranty is best for buyers with higher-mileage vehicles. Plans from Toco cover cars with significantly higher mileage limits than Premier’s, making it a better option for older cars or vehicles that are driven more frequently.

    Premier Auto Protect vs. Toco Warranty coverage

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

    Premier Auto Protect coverage

    Premier Auto Protect offers four main levels of coverage:

    • Premier Basic covers your vehicle’s engine, transmission, drive axle(s), all-wheel-drive/four-wheel-drive systems, cooling system and brakes.
    • Premier Value combines everything in the basic plan with added protection for steering (manual/power), turbo/supercharger, air conditioning, fuel system, seals and gaskets, and electrical components.
    • Premier Complete builds on the Value plan by including coverage for anti-lock brakes (ABS), heating, high-tech electronics, front/rear suspension and hybrid vehicles.
    • Exclusionary adds coverage for your key fob. While specific details of this plan are unavailable online, it’s Premier Auto Protect’s most comprehensive plan.

    Premier Auto Protect offers two additional plans with slightly different coverage:

    • Premier Powertrain Enhanced is a powertrain warranty (engine, transmission, axles and differential) that also includes coverage for cooling, dead battery, running out of gas, parts and labor, towing, locksmith, 24/7 roadside assistance, turbo/supercharger, air conditioning, fuel system, seals and gaskets, electrical, heating, high-tech electronics and hybrid vehicles.
    • Premier Repair Assist expands the Premier Powertrain Enhanced plan to cover ABS, heating, front/rear suspension and trip interruption.

    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?

    Premier 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 Premier 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.

    Note that some Premier Auto Protect plans are cheaper with higher coverage than basic powertrain coverage. Be sure to speak with a representative and be aware of all your options.

    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).

    Premier Auto Protect vs. Toco Warranty policies

    Premier Auto Protect covers vehicles up to 8 years old with up to 100,000 miles under its Exclusionary plan. It also has plans for vehicles with over 200,000 miles.

    Premier Auto Protect offers a 30-day money-back guarantee and a prorated refund for those who cancel after this period. Contracts are transferable and allow you to choose any dealer or mechanic (as long as they’re ASE-certified).

    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.

    Premier Auto Protect vs. Toco Warranty additional benefits

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

    Premier Auto Protect benefits

    Premier Auto Protect also offers protection plans for power sports (ATVs, UTVs, scooters, personal watercraft and motorcycles) and homes.

    Limits on roadside assistance, trip interruption coverage and rental car reimbursement depend on your policy level.

    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.

    Premier Auto Protect vs. Toco Warranty reviews

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

    Premier Auto Protect reviews

    Most of Premier Auto Protect’s positive reviews focus on great customer service, ease of sign-up, peace of mind, a good variety of coverage options and fast claims handling.

    • “Premier Auto is the BEST auto protection company out there. When I had a issue with my focus and needed it fixed they were there and covered it totally.” — Crystal from Virginia

    • “Stan was very helpful as we worked out the very best policy for me. I have talked to two other companies and Premier Auto Protection had the best coverage for the price. What also was impressive is their Better Business rating.” — Ella from Kansas

    However, some reviewers express disappointment at dealing with poor follow-up, delayed service or claims, and unclear plan terms that led to additional fees or denied claims.

    • "Premier Auto Protect has denied the claim stating they were worn over time. How would I/they know if nothing before that day indicated a problem? So if it just suddenly goes out, but it’s been used, EVEN NORMALLY, they aren’t going to cover it." — Donna from Texas

    » SEE FOR YOURSELF: Premier 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: Premier Auto Protect or Toco Warranty?

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

    • Premier Auto Protect is best for customers who want flexible coverage options and robust sales support.

    • 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