About Toco Auto Warranty

If your car is no longer covered by a manufacturer’s warranty, Toco Auto Warranty claims to offer “simple and affordable” vehicle service contracts that can help protect you against huge, unexpected auto repair bills when your car breaks down. This includes coverage for your vehicle’s engine, transmission, drive axle, electrical and cooling systems, air conditioner, and more, which can be handled by any licensed repair facility of your choice.

On top of this, Toco’s auto warranty plans are claimed to include 24-hour roadside assistance, trip interruption coverage, rental car benefits, and more.

Compared to other companies, Toco claims to help you approach auto warranties as you would any other monthly expense, such as a utility bill, by maximizing coverage and keeping their plans simple and straightforward. In other words, Toco claims to “put the consumer first.”

When the rubber meets the road though, can Toco Auto Warranty give you a helping hand when your car breaks down, or is it a colossal waste of money? We’ll answer all your important questions in a moment, but let’s first take a look at the Toco Auto Warranty process and plans:

Obtaining a Toco Auto Warranty Quote

In order to obtain a Toco Auto Warranty quote, you’ll first need to enter your vehicle’s make and model on the website home page. Then, you’ll need to enter your vehicle’s year and mileage, as well as your personal information (first and last names, email, phone number, and state).

After you’ve entered everything, you’ll be contacted by a Toco Auto Warranty representative to help you find a plan that best fits your needs.

Toco Auto Warranty Plans

Speaking of which, Toco offers 3 different auto warranty plans:

Blue Plan

Covers vehicles that are no older than 20 years for up to 175K miles, including engine, transmission, drive axle, cooling system, fuel system, and more. For full plan details, be sure to read through the complete contract.

Yellow Plan

Covers vehicles that are no older than 10 years for up to 100K miles for everything found under the Blue Plan, in addition to electrical, technology (including “high tech” parts), brakes, suspension, and more. For full plan details, be sure to read through the complete contract.

Orange Plan

This is Toco Auto Warranty’s most comprehensive plan, and covers your vehicle on an all-risk basis. In other words, unless something is specifically excluded under your contract, it’s covered. For full plan details, be sure to read through the complete contract.

Now, let’s dig in to the nitty-gritty …

Toco Auto Warranty is Not Insurance

First and foremost, it’s important to note that Toco Auto Warranty does not provide insurance, such as coverage for bodily injury in the even of an accident, and so forth.

Instead, according to Toco’s FAQ page, they provide “a vehicle service contract … for repair or replacement for an operational or structural failure of a vehicle, which you can purchase either before or after your original manufacturer's warranty expires,” which exists as a “new service contract between you and the contract provider.”

What Do Toco Auto Warranties Cover?

As you probably noticed above, exactly what Toco covers depends primarily on the plan you’ve chosen.

However, a Toco Auto Warranty is intended to provide coverage only for major repairs, regardless of whether or not your vehicle is still operable, as a result of mechanical breakdown (not accidents, as noted above). As such, you shouldn’t expect your warranty to cover regular maintenance.

In addition, keep in mind that Toco Auto Warranties only cover factory installed components, and do not cover aftermarket parts such as “oversized tires, engine chips, or aftermarket exhaust systems.”

Is Toco Auto Warranty Coverage Available in All States?

Toco Auto Warranty does not provide plan coverage in AK, MO, and WA.

What is a Licensed/Preferred Repair Facility?

According to the Toco website, your warranty plan provides the ability to take your vehicle to any licensed repair facility of your choice. But what does this mean?

Other than claiming that an “Administrator can assist in locating a repair facility,” there isn’t any clarification as to what a licensed facility is defined as in the Toco contract, and whether this references someone simply licensed by the state, or a facility that is ASE certified.

Other Auto Warranty Companies

Finally, if you’re in the market for an auto warranty, keep in mind that there are dozens of companies competing for your business, including CarTection, Warranty Direct, and many more.

As such, be sure to do your research before choosing one company over another (HighYa is a great place to start!).

Customer Satisfaction with Toco Auto Warranty

There were several consumer review websites that featured feedback for Toco Auto Warranty, including PissedConsumer, where the company received an average rating of 1.4 stars based on 28 complaints. There, the most common complaint referenced denying claims.

To this end, there were also single reviews on RipoffReport, ComplaintsBoard, and ScamBook, all of which referenced the same problems with denied claims.

From a company perspective, Toco Warranty Corp is based out of Sherman Oaks, CA and held an A rating with the Better Business Bureau, based on 15 closed complaints (as of 6/29/15). Unfortunately, no complaint details were available at the time of our research.

While Toco may be the company that sells and services your extended coverage plan, your coverage is provided and administered by Warrantech Automotive, Inc. based out of Bedford, TX. Despite having more than 300 customer complaints on the BBB, Warrantech held an A rating. Again, most of these appeared to reference difficulty obtaining repairs and/or denied claims.

Toco Auto Warranty Pricing & Fees

A Toco Auto Warranty quote is completely free of charge, and the company claims there is no down payment to begin your coverage. Here is a sample payment plan.

Obviously, what you’ll pay for coverage will depend on several factors, including the year, make, model, and mileage for your vehicle.

Important note: According to the Toco website, “All plans require a mandatory Waiting Period before coverage takes effect, which starts from the contract purchase date and vehicle's odometer mileage at contract purchase date.”

Once your coverage is up and running, your contract can be cancelled at any time, less an administration fee. Per the Toco contract, this admin fee is not to exceed $25, although one RipoffReport complaint claimed the fee amounted to 3%.

Finally, covered services are subject to a $100 per-visit deductible, $50 of which will be waived if your vehicle is taken to a Preferred repair facility, which your Toco representative can help you locate.

Finally, your Toco coverage is transferable to the new owner of your vehicle, if requested within 30 days and subject to a $75 transfer fee.

To ask questions about Toco Auto Warranty coverage, you can contact customer service at 888-672-0290 (TOCO).

Can Toco Auto Warranty Provide You with Peace of Mind?

Chopping to the point: Overall, Toco Auto Warranty appears to provide a fresh perspective on extended service plans, including straightforward pricing and upfront contracts.

However, whether you’re talking about Toco or another auto extended warranty company, the number one complaint often revolves around failure to cover claims. As such, you’ll definitely want to read through the full agreement for the Toco Auto Warranty plan you’re thinking about purchasing, as well as to contact a representative before making a purchase.

After all, it’s your money, and you deserve to know exactly how far it will take you in the event of a claim.

What’s your experience with Toco Auto Warranty? Tell us about it by writing a review below!

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6 Customer Reviews for Toco Auto Warranty

Average Customer Rating: 2.8
Rating Snapshot:
5 stars: 2 4 stars: 1 3 stars: 0 2 stars: 0 1 stars: 3
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  • 2 out 3 people found this review helpful

    Great Service

    I am quite satisfied with Toco warranty services. They provide us simple and affordable services. You can pay a small amount each month, with no interest or down payment, you can keep your vehicle protected.

    Bottom Line: Yes, I would recommend this to a friend

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  • 13 out 15 people found this review helpful

    Scam

    Toco is a scam. I had a turbo go out and it is covered on my plan but they denied the claim.

    Bottom Line: No, I would not recommend this to a friend

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  • 16 out 19 people found this review helpful

    Toco has done meright, so far!

    I had my Toco warranty for about 4 months when my timing chain went out and I needed repairs. The Toco representative sent me to a "recommended" repair facility, in this case AAMCO Transmission, Inc., located in downtown Columbus, GA., The shop was very professional and straightforward in their repairs and I have been VERY pleased with Toco's referral to this facility.

    ToCo paid the claim with absolutely NO Problems. My deductible was only $50.00 due to the fact that AAMCO is a Toco certified repair facility. This was back on February 10, 2016.

    On March 29, 2016, I needed repairs on my 2003, Dodge Durango A.C. system. Toco had no recommended A.C. service facility to recommend to me so I went to one of my choice ($100.00 deductible). The repairs were made and all went very well between the repair facility and Toco until $$$ time came. ToCc would not cover a resistor that needed to be replaced, (this was a major factor in the A.C. problem that was causal in the first place). The only complaint I can really place on Toco is that they did not cover the cost of the part that the shop owner told them was crucial to complete the repair and I had to pay that money out of pocket which was $200.00 plus the $100.00 deductible.

    All said and done I AM PLEASED with the way Toco has treated me up till now. $2300.00 in repairs and I haven't even had the warranty for a year yet. I would have given them 5 stars if they would have stepped up and paid for the part needed to make the A.C. repair correct. I myself will highly recommend Toco Warranty to my friends, family and you.

    My fellow consumers, peace out.

    Bottom Line: Yes, I would recommend this to a friend

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  • 35 out 37 people found this review helpful

    Scam Alert

    • Maryland,
    • May 6, 2016

    I paid them and then was told my car AC pump went bad. I was told this was not covered so I paid for it myself. Then the transmission started slipping they said that was not covered as well. They will not refund the money I have paid them and due to the contract I have to continue to pay these crooks. These guys are crooks and don't want to cover any issues. This is how they make their money. After I did some research about them I found over 400 complaints against them.This company is a scam.

    Bottom Line: No, I would not recommend this to a friend

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  • 18 out 24 people found this review helpful

    Satisfied Customer

    • Breaux Bridge, LA,
    • Nov 24, 2015

    I don't know why everyone is complaining about the denied claims, read the fine print. It states that you must maintain a vehicle maintenance report, oil changes tune ups and so on. I made a claim with them 3 months after I purchased the warranty and had no problem with them paying, although they are a little slow at getting there. They repaired my A.C. with no questions asked, paid my deductible and was done. Thanks TOCO. Just bought another vehicle and fixing to add it to my policy.

    Bottom Line: Yes, I would recommend this to a friend

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  • 45 out 47 people found this review helpful

    Misleading Car Repair Services.

    My car was towed into a car repair shop on October 12th. Called Taco Warranty, it took them over a week to send an inspector out to estimate the repairs. Took another week to find out they denied my claim because the inspector told me the water pump was not damaged, but the repair shop states the water pump was damaged.

    But at any rate if the water pump was damaged then they would pay for the head gasket also. But keep in mind it was Taco Warranty Inspector who claims that my water pump was not damaged. The mechanic who is currently working on my car has been in business for over 40 years. I've been knowing him all my childhood life. This man has never had complaints about his work so if he said it was the water pump than that's what it was. Taco Warranty just didn't want to have to pay for the water pump plus repair the damaged head gasket. I was very disappointed because I had the warranty on my car for a year and I paid on it faithfully with the understanding that if anything goes wrong with my car they had it covered.

    I will say this, when I called a couple of times for roadside assistance they were very prompt with services and also sent someone out twice to jumpstart my car, and some of their customer service reps are very kind to you especially when they are taking a payment. I ended up canceling the warranty. I just could not trust them anymore. Now I am having to fight with them to get my money refunded, I feel like that's the least they can do since I put over $900.00 dollars into a scandalous contract.

    To anyone who reads this, just be aware and read the reviews on this company. If I would have just read the reviews before purchasing this salty contract I would not be writing this review now. God bless and good luck.

    Bottom Line: No, I would not recommend this to a friend

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