Toco Warranty

Toco Warranty Reviews

4.9
750 reviews
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About Toco Warranty

Toco Warranty can help cover the cost of unexpected and frustrating car repairs. The company offers one contract with four levels of coverage — your level of coverage is determined by the miles on your vehicle’s odometer at the time the claim is submitted. The company lets you make monthly payments rather than pay upfront or put down a down payment. Toco Warranty also provides roadside assistance, car rental assistance and full concierge service.

Pros
  • All plans administered in-house
  • Accepts vehicles with up to 200,000 miles
  • Coverage lasts until 250,000 miles
  • No-change pricing for contract life
Cons
  • Must supply contact info for pricing
  • Plan level determined by vehicle mileage

Featured Reviews

La Puente, CA
Verified purchase
I've had Toco Warranty for about four years now. Their customer service is amazing. They are all kind, quick to respond and very knowledgeable. … The peace of mind afforded to me ...

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Little Elm, TX
Verified purchase
I called to inquire about my TOCO warranty coverage. Representative Marco A. assisted me and made sure I received assistance with getting my car repaired. He was kind, friendly an...

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What is 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.

Toco Warranty coverage

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 cost

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 Warranty FAQ

Where is Toco Warranty available?

Toco’s services are available in 46 states. The company’s services are not available in Alaska, California, Missouri and Washington.

Can I cancel my Toco Warranty?

Yes, you can cancel your Toco Warranty plan. While the company does not currently charge a fee to cancel, the contract states it does have the option to charge a cancellation fee.

Who owns Toco Warranty?

Toco Warranty is owned by the Toco Warranty Corp., which is located in West Hills, California.

Is Toco Warranty legit?

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.

Toco Warranty Reviews

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    How do I know I can trust these reviews about Toco Warranty?
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    Page 1 Reviews 0 - 5
    Verified purchase

    Reviewed Sept. 27, 2024

    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. We rarely trade vehicles and are super happy with our 2023 Jeep Cherokee. I checked tons of reviews of TOCO and compared them to other vehicle warranty companies and hands down TOCO stood at the top. One of the major decisions to select TOCO was not having to enter a year or longer contract like the other vehicle warranty companies as well as your pricing. We are both retired and live on fixed income and because to this fact we are very careful how we spend money. Plus we are beginning to travel more and need a warranty program that we can use if needed any place and TOCO fits this to a T. I hope that we never have to use your warranty but it gives an old man a sense to assurance to have one.In closing, TOCO should be proud to have an employee like Morgan.

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    Response from Toco Warranty

    Thanks for all of the feedback! We appreciate the opportunity to serve. Our goal is to make vehicle repair coverage easy, affordable, and stress-free. We know that breakdowns and the costs that come with them can be unexpected and expensive, so we try to do everything possible to reduce the stressors that they cause. Hopefully you never experience a breakdown, but drive safe, knowing that if you do Toco has your back.

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      Reviewed Aug. 14, 2024

      I had an excellent experience working with Morgan **! From start to finish, he was incredibly helpful and professional. I was looking for a good warranty for my product, and Morgan took the time to thoroughly explain all the options available to me. He made sure I understood the details and benefits of each warranty, which really helped me make an informed decision. What stood out to me the most was Morgan's commitment to ensuring I got the best possible deal. He went above and beyond to tailor the warranty to fit my specific needs, and I couldn't be happier with the outcome. It's rare to find someone who is not only knowledgeable but also genuinely cares about customer satisfaction. If you're looking for someone who will work hard to get you the best warranty and make the entire process smooth and stress-free, I highly recommend reaching out to Morgan **!

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      Response from Toco Warranty

      Wow, it sounds like Morgon did a fantastic job. Thank you for sharing your experience and letting our team know. We look forward to being your Trusted Repair Coverage. Thank you for allowing us an opportunity to earn your business.

      Customer ServiceCoverage

      Reviewed Aug. 1, 2024

      Considering that this was a call to renew my extended warranty (a usually boring routine experience), that was not the case with this call. Derek was lively and presented the information in a manner that I was able to understand and not be bored trying to comprehend what he was saying. In addition, he answered all of my questions (sometimes twice), and made sure that I understood the changes and upgrades to my extended warranty coverage. All in all it was a pleasant experience. Derrick was very good and very knowledgeable, and I appreciated the time he took to make things very clear to me.

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      Response from Toco Warranty

      Welcome aboard! Thank you for sharing your experience with Derrick and welcome to the Toco family. We know that no one wants to get a call about extended warranty, but we appreciate the opportunity to serve (and even offer a few laughs). Our agents are committed to transparent and honest customer education, ensuring customer success through all stages of the process. We look forward to being your trusted repair coverage and providing an easy, affordable, and stress-free solution to your vehicle repair needs.

      Customer ServicePrice

      Reviewed July 11, 2024

      This is a review only of my purchasing experience with Sergio **, the sales consultant who sold me the Toco warranty. He brought the ideal combination of respect and friendliness to our phone conversation. He took the time to listen to my concerns, some of which were not directly related to an extended service warranty, but was efficient when discussing the details of the policy and transaction. He went the extra mile to ensure that I got the best possible price on my policy. I hope I never need to file a claim, but if I do, I hope the experience will be as positive as my purchase experience with Mr. **.

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      Response from Toco Warranty

      Thank you for sharing your review of your purchasing experience with Sergio. We're thrilled to hear that he provided the ideal combination of respect and friendliness during your phone conversation. It's great to know that he took the time to listen to your concerns and was efficient in discussing the policy details. We're glad he went the extra mile to ensure you got the best possible price on your policy. We hope you never need to file a claim, but if you do, we strive to make the experience just as positive as your purchase experience with Sergio. If you have any further questions or need assistance, please don't hesitate to reach out. Thank you for choosing Toco!

      Coverage

      Reviewed June 28, 2024

      I have been working with Toco for a few years now. They have been awesome. I don’t have issues getting covered repairs done. Sergio is my rep that I have been working with. He is always very friendly and professional and always willing to help. He always tries to get me the best deals on my vehicles. This is a very reputable company. I have friends and family that use them as well. No complaints so far! Trust me. I have tried other warranties and they have been terrible. NEVER had a problem with Toco.

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      Response from Toco Warranty

      Thank you for your continued trust and loyalty over the years. We are thrilled to hear that you’ve had such a positive experience with Toco Warranty and that Sergio has been a friendly and professional representative for you. It's wonderful to know that Sergio’s efforts to get you the best deals and assist with your vehicles have made a difference. We take pride in providing top-notch service, and your feedback reinforces our commitment to excellence. We are also delighted to hear that your friends and family are satisfied with our services. Your endorsement means a lot to us. If you ever need further assistance, please don’t hesitate to reach out. Thank you for choosing Toco Warranty!

      Punctuality & Speed

      Reviewed Jan. 11, 2025

      Just can’t say enough good about my experience. Derrick was awesome and knowledgeable, fast and kind. We are returning customers so that says a lot. Love our freedom of worries with Toco. We looked at other companies like toco but none gave us the peace of mind they do. Easy to understand as well

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      Response from Toco Warranty

      Thank you for taking the time to leave a review and share your experience. We appreciate the opportunity to earn your business and look forward to being here for you (should you need us).

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      Verified purchase
      Refunds & Payouts

      Reviewed Jan. 10, 2025

      I’ve had TOCO for more than 2 years and never had to utilize it. I had to replace my power steering pump & used my regular mechanic due to being far from the ones they want you to use. I sent in my receipt after paying out of pocket and received (after my $100 deductible) only half of the money back due to “TOCO found the power steering pump cheaper.” I’ve since cancelled my contract because of this as well as after reading over the contract & seeing they’ll only pay up to the NADA value on your vehicle. I’m putting the money I would have paid them in an interest bearing account & will pay for the repairs that way. Thanks for the eye opener.

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      Response from Toco Warranty

      Thank you for being a Toco customer, we appreciate the opportunity to serve. Toco is committed to customer success and adheres to the the agreement to make sure that all parties are aligned. We know how frustrating it is to have a vehicle breakdown and our team will be looking into this situation to see if there is any additional assistance that can be provided.

      Much like when an insurance company "totals" out a vehicle after the damages exceed the value of the vehicle, every VSC on the market will cover up to the value of the vehicle. Toco appreciates your patronage while we had your business, and self-insuring is always worth a look. Our management team will be investigating and will reach out if there are additional solutions we may provide.

      Customer ServiceCoverageTechPrice

      Reviewed Dec. 31, 2024

      Unfortunately, I will not be able to give a good review for this company. I'm sure they may delete this review, but I digress. I have been paying monthly to this company for warranty coverage for 5 years now, and I have never had to use them until recently. For the last to incidents with my car, one for the exhaust pipe that was denied. Now, I was told the axle and coolant system needs to be repaired which will cost at least 3100+ to repair. I have yet to hear from this company as they claim to call me with an update on whether they will repair the issues. I called them yesterday 12/30/2024 to get a response concerning the call back from Aaron. I was told I would hear from him that day, but have yet to receive a phone call.

      I was also told it would take up to 48 hours before they could send an adjuster out to look at the car before repairs are denied or approved. This is horrible. I look at my contract and the parts are covered under their contract, yet they have to send an adjuster out to the dealership, after I have already had a upscale dealership do diagnostic test. I am highly offended and upset with the process it takes before the car can be repaired. I asked what I am I supposed to do in the meantime while waiting on the car to be repaired. I received no response. In my contract it states I am to have a rental car while my car is at the shop. It's a joke and a game dealing with these people. I have caught them in several lies and their response when I caught them on it was silence following a "I am sorry for the miscommunication". That response didn't make me trust this company.

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      Response from Toco Warranty
      Toco takes this and all complaints serious and with a sense of urgency and will have management look into this. Toco apologizes if the customer feels offended that insurance companies review claims thoroughly, however this is common for any insurance (home, auto, etc.) claim to be reviewed and use 3rd party inspectors to verify claims. Using a 3rd party inspector keeps it fair for everyone as they have no vested interest in the outcome, only accurate and independent analysis.

      Toco will investigate the calls, as we depend on our agents to act with integrity and honesty when advising customers. In the meantime, Toco welcomes the customer to call during normal business hours so that our award-winning customer care team can assist in any way possible. If car rental is needed, our team can set that up to assist.

      Claims HandlingCoverage

      Reviewed Dec. 6, 2024

      Morgon at Toco was very helpful. He was thorough and answered all of my questions. I am looking forward to working with this company and hope their service and coverage is all they say it will be and more. So many auto warranties claim one thing and do a different. I am hopeful that Toco is DIFFERENT.

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      Response from Toco Warranty

      Toco is different! Our goal is to make your experience easy, affordable, & stress-free with our innovative products and award-winning services. Thank you for allowing us to be your trusted repair coverage. Hopefully you never need us, but we are here for you if you do! Thank you for taking the time to leave a review. We appreciate your feedback, your business, and your trust.

      Customer ServiceSales & Marketing

      Reviewed Dec. 5, 2024

      Great Customer Service, Everything was explained to my satisfaction and answered my questions, no pressure sales, very helpful, would recommend to family and friends, Derrick an awesome fellow and felt good about decision.

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      Response from Toco Warranty

      Thank you for allowing Toco to be your trusted repair partner. We appreciate the opportunity to serve and look forward to impressing you with each step along the way.

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      Toco Warranty Company Information

      Company Name:
      Toco Warranty
      Company Type:
      Private
      Year Founded:
      2012
      Address:
      8501 Fallbrook Ave. Suite 225
      City:
      West Hills
      State/Province:
      CA
      Postal Code:
      91304
      Country:
      United States
      Fax:
      818-255-7998
      Website:
      www.tocowarranty.com