Toco Warranty vs. Zurich Vehicle Service Contract
Compare coverage, cost and reviews
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|---|---|
4.9
750 reviews
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4.5
851 reviews
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| No. of plans:4 | No. of plans:3 |
| Max mileage250,000 | Max mileage150,000 |
| Max vehicle age25 years | Max vehicle age15 years |
| Waiting period90 days and 1,000 miles | Waiting period10 to 30 days (varies) |
+1 more
Toco Warranty and Zurich Vehicle Service Contract 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 works best for buyers with older cars. The company insures vehicles with higher mileage than Zurich Vehicle Service Contract and stands out for its straightforward pricing and easier quote process. This combination makes it a practical choice for owners of high-mileage cars who want clear, upfront cost information when choosing a warranty.
We recommend Zurich Vehicle Service Contract to buyers looking for the best value. ConsumerAffairs reviewers gave Zurich high praise for its pricing and claims handling, and the company also extends more secondary benefits to its users, such as rental car coverage.
Toco Warranty vs. Zurich Vehicle Service Contract coverage
Plans from Toco Warranty and Zurich Vehicle Service Contract 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.
Zurich Vehicle Service Contract coverage
Zurich’s three main coverage options:
- Powertrain is a basic warranty that covers your vehicle’s engine, transmission, transfer case and drive axle(s).
- Standard includes everything from the basic plan plus adds protection for suspension, steering, brakes, heating and air conditioning, and electrical components.
- Comprehensive builds on the first two plans by adding coverage for your cooling system, interior (door lock linkages, interior lights, etc.) and exterior (hinges, door mirrors, exterior lights).
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?
Toco Warranty vs. Zurich Vehicle Service Contract 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 Zurich Vehicle Service Contract. 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).
Typically, the only way to obtain an extended auto warranty with Zurich, is to purchase it from your vehicle’s dealership. To find out if your vehicle qualifies and how much you can expect to spend, contact your dealership and see if it is an authorized dealer.
| Model and mileage | Toco Warranty | Zurich Vehicle Service Contract |
|---|---|---|
| 2013 Ford F-150 (150,000 miles) | $1,148 per year | - per year |
| 2014 Honda CRV (135,000 miles) | $928 per year | - per year |
| 2015 BMW 3 Series (125,000 miles) | $2,823 per year | - per year |
| 2016 Toyota Camry (110,000 miles) | $949 per year | - per year |
Toco Warranty vs. Zurich Vehicle Service Contract 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.
Zurich Vehicle Service Contract’s plans are available for purchase through a certified dealership. The company also offers plans for motorcycles and ATVs.
| Benefit | Toco Warranty | Zurich Vehicle Service Contract |
|---|---|---|
| Vehicle inspection required | | |
| Contract length | Month to month | - |
| Quote process | Online | Online |
Toco Warranty vs. Zurich Vehicle Service Contract additional benefits
In addition to coverage for mechanical failures of your vehicle's parts, Toco Warranty and Zurich Vehicle Service Contract 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.
Zurich Vehicle Service Contract benefits
Most Zurich plans include emergency roadside assistance, rental car reimbursement and trip interruption protection. It also offers add-on coverage options (at an additional charge), such as:
- Guaranteed Asset Protection (GAP)
- Road hazard tire and wheel protection
- Environmental protection
- Dent repair
- Key replacement
- Prepaid maintenance plans
- Technology protection
- Lease wear and use
| Benefit | Toco Warranty | Zurich Vehicle Service Contract |
|---|---|---|
| Roadside assistance | | |
| Rental car reimbursement | | |
| Trip interruption | | |
| Transferability | | |
Toco Warranty vs. Zurich Vehicle Service Contract reviews
For an honest assessment of customer satisfaction, let's examine what actual policyholders say about Toco Warranty and Zurich Vehicle Service Contract.
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
Zurich Vehicle Service Contract reviews
Most ConsumerAffairs reviewers leave positive comments spotlighting Zurich’s ease of use, quick approvals, comprehensive coverage and affordability.
“The cool thing about Zurich is it does what it advertises. Anything that I've needed done on the car has been quick and efficient. There hasn't been any lagging or delay. Everything was covered. The only thing I had to pay for was a diagnostic.” — Mckenzie from Texas
“I liked the availability and the pricing of Zurich. Their claim process was easy. I filed a claim and got it processed through. Went quickly. No issues and I was able to get into a loaner vehicle throughout the duration of repairs. A good experience overall.” — Tyler from Florida
Negative reviews for Zurich tend to focus on claim denials, frustration with customer service, complicated or confusing contract terms and unexpected exclusions.
“Zurich inspected the vehicle and contacted me to ask about it—which I don’t know why they did. I thought they were only supposed to speak to the dealership?” and “I will never purchase any vehicle that has anything to do with Zurich ever again. They’ve wronged me terribly.” — Kellie from Michigan
» SEE FOR YOURSELF: Zurich Vehicle Service Contract reviews
Bottom line: Toco Warranty or Zurich Vehicle Service Contract?
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.
Zurich Vehicle Service Contract is best for customers purchasing a vehicle at a Zurich-certified dealership, particularly those seeking comprehensive coverage with multiple add-on options.
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.
