Toco Warranty

Toco Warranty is a vehicle service contract provider that offers comprehensive coverage for your vehicle to protect your finances if you have a breakdown. To sign up for Toco Warranty’s services, visit its website and fill out the online interest form, and Toco will provide you with a personalized quote.

With Toco, there are no long-term contracts or commitments. There’s no fee to cancel your contract, although the contract states the company does have that option. You can use any ASE-licensed mechanic with Toco.

Any plan purchased through Toco Warranty has a mandatory waiting period of 90 days from the date of purchase and 1,000 miles before coverage takes effect. Unlike many of its competitors, however, Toco matches your monthly payment to assist with any issues that arise during the waiting period instead of denying your claim.

Repairs are capped at the value of the vehicle when you make a claim, and there’s a lifetime repair cap of $15,000.

Before signing up for Toco Warranty coverage, it’s important to understand what repairs Toco Warranty does and does not cover at each level. You can speak with a Toco representative to find out the specific details of what’s covered.

Toco Warranty offers one plan with four levels of coverage:

• The Orange level provides exclusionary coverage, which means your contract will list components that aren’t covered instead of those that are. This level is for vehicles with less than 100,000 miles on the odometer at the time of a claim.
• The Yellow level provides listed parts coverage for vehicles with less than 150,000 miles on the odometer at the time of a claim. It covers many of your vehicle’s components, including the engine, transmission, drive axle, turbo/supercharger, electrical components, fuel system and more.
• The Blue level, which is available for cars with less than 200,000 miles on the odometer at the time of a claim, provides coverage for your powertrain and some basic systems that often need repairs. These systems include air conditioning, the fuel system and many electrical components.
• The Green level is Toco Warranty’s most basic level, but you can enroll any car with less than 200,000 miles on the odometer and receive coverage until your car has reached 250,000 miles. It covers your engine, transmission, drive axle, four-wheel drive transfer case and turbo/supercharger. It also has hybrid vehicle options.

As with most vehicle service contract providers, newer cars are eligible for more comprehensive coverage. Visit Toco’s website to find out which coverage option fits your budget and vehicle — the company has sample contracts and sample payment plans.

Warranty benefits

Toco’s warranty plans include several benefits outside of vehicle coverage. These include the following:

• 24/7 roadside assistance: Toco gives you access to roadside assistance that can jump-start your car, change a flat tire, deliver fuel, send a locksmith or tow your car up to 15 miles.
• Trip interruption coverage: If your vehicle has a covered breakdown more than 100 miles from your home, Toco helps with restaurant and hotel reimbursement if your car can’t be repaired within a day. It covers up to $100 a day (for both meals and lodging) for up to three days, with a $300 cap per breakdown.
• Rental car benefits: If your vehicle has a breakdown covered by your contract with Toco, the company will pay or reimburse you to rent a car or use alternate transportation while your vehicle is being repaired. The company provides a maximum of $40 for every four hours of applicable labor time, the time required to complete an inspection or the time it takes to receive parts — with a maximum benefit of $200 per repair visit. No deductible is required for this benefit.
• Hotel/motel discounts: Toco Warranty customers receive discounts on any stay booked through Hotels.com, and you can get a 5% rebate when you send the company your receipt.

Toco Warranty’s monthly prices vary based on your car’s age and mileage. To get an accurate estimate of your monthly coverage cost, visit Toco’s website and fill out the online interest form. You’re required to provide specific information about your vehicle, including the following:

• The make
• The model
• The year
• The current mileage

If you choose to speak to a representative over the phone, you only need to provide your vehicle identification number (VIN).

After providing this information, you receive an accurate quote of your monthly payment. The company charges a $5 late payment fee if your account is past due over five days, but the fee may be waived at Toco’s discretion. Your contract will be canceled with no notification if you’re more than 15 days past due.

Toco is a solid choice if you’re looking for an extended auto warranty. The company keeps your decision simple by offering one plan with four levels of coverage and provides multiple benefits. You can also use any ASE-certified mechanic for repairs.

We recommend Toco Warranty’s services for vehicle owners searching for a comprehensive vehicle service contract with no down payment.