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Toco Warranty vs. Nova 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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    Toco Warranty and Nova 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.

    Toco Warranty is our recommendation to buyers who want the best customer service. ConsumerAffairs reviewers rated Toco higher in several aspects of service, including claims handling, refunds and sales practices.

    Nova Warranty works best for buyers focused on value. While Nova’s pricing is slightly higher, customers report feeling they receive good value for their money. For example, the company’s quicker response times for claims mean customers see their needs met promptly, ensuring they get good value for the money spent.

    Toco Warranty vs. Nova Warranty coverage

    Plans from Toco Warranty and Nova Warranty offer varying levels of coverage for your vehicle's parts and 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.

    Nova Warranty coverage

    Nova Warranty offers two plans: Nova Powertrain and Nova Superior.

    • Nova Powertrain covers essential components, including the engine, transmission, drive axle, electrical systems (like the starter and alternator), cooling systems (like the radiator) and brakes.
    • Nova Superior provides more comprehensive coverage. It includes everything in the Powertrain plan plus components like turbos and superchargers, all-wheel or four-wheel drive, suspension systems, steering, air conditioning and heating, fuel systems, anti-lock brakes and high-tech electronics (like factory-installed GPS).

    Both plans include roadside assistance, towing, rental car reimbursement and trip interruption coverage.

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

    » LEARN MORE: What does a car warranty cover?

    Toco Warranty vs. Nova 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 Toco Warranty and Nova 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).

    Nova Warranty quotes were collected based on its shortest contract period, three years. We received quotes for the Nova Powertrain plan.

    Toco Warranty vs. Nova Warranty policies

    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.

    Nova Warranty allows you to cancel your plan at any time. If you cancel within 30 days, you can receive a full refund. After 30 days, you may qualify for a prorated refund based on the time remaining in your contract.

    Toco Warranty vs. Nova Warranty additional benefits

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

    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.

    Nova Warranty benefits

    Nova offers several added benefits with its extended auto warranty plans:

    • 24-hour roadside assistance covers services like towing, fuel delivery and more.
    • Rental car coverage helps you stay on the road while your vehicle is in the shop.
    • Locksmith services assist if you're locked out of your vehicle.
    • Out-of-gas assistance offers help if you run out of fuel.
    • Dead battery assistance including jump-start services when your battery dies.
    • Trip interruption coverage reimburses you for lodging and meals if your vehicle breaks down while traveling.

    Toco Warranty vs. Nova Warranty reviews

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

    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

    Nova Warranty reviews

    Customers have mixed experiences with Nova Warranty. Positive reviews highlight that the representatives are professional, respectful and helpful in explaining coverage options. Many customers appreciated prompt claims processing and direct payments to repair shops.

    • “Recently had a repair done on my Range Rover Sport HSE. They paid for it right away with no hassle, all they needed was a diagnostic and invoice from my dealer, they even paid for my rental car although I did have to send the receipt but they reimbursed me which wasn't too big of a deal and they sent it right to my card. Highly satisfied with their service!” — Roger from New Jersey.

    Some reviewers expressed significant dissatisfaction, citing poor customer service and unmet expectations.

    • “Getting in contact with NOVA claims department took way too long, I had to call the original person who signed me up in order to get a call back. After she called I was contacted, very poor instruction on how to submit a claim.” — Diana from California

    » SEE FOR YOURSELF: Nova Warranty reviews

    Bottom line: Toco Warranty or Nova Warranty?

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

    • 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.

    • Nova is best for drivers seeking reliable coverage for all types of cars, from daily drivers to exotic sports cars.

    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