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Is Toco Warranty a good option to consider?

Hailey Avatar By: Hailey | Last updated January 14, 2020

toco warranty good vehicle service contract provider man in white shirt and black tie with form contract in hand black car in the background

Vehicle service contracts (VSC), which is what Toco sells, are written agreements between a car owner and a VSC provider, that cover certain repairs to your car. They are an additional measure car owners take, to protect their car in case of a breakdown after the manufacturer warranty expires. Many times people will call this toco car insurance or toco extended car insurance. 

VSCs come in many types and each of them covers specific parts/systems in your vehicle. If any of these covered components breaks during your contract period, the cost associated with repairing them, will be paid by the VSC provider.

Toco Warranty Corp - Features and benefits

Toco Warranty Corp is a company based in California. It was founded in 2013, accredited by the BBB (Better Business Bureau) in 2014 and rated with an A+ by the BBB.

The company offers 4 plans: Orange, Yellow, Green, Blue. There are requirements for each of the plans, in terms of age and mileage of your car.

There is a $100 deductible per visit with each of the plans and you can take the car to any licensed repair shop in the country. However, if you choose to take it to one of the facilities recommended by Toco, you get $50 off the deductible.

Toco is a popular VSC provider because it doesn’t require a down payment and it has affordable monthly rates for all its plans.

It also takes care of all the financial aspects and the paperwork if your car breaks down and needs to be taken for repairs. The payment and paperwork will be taken care of by your plan administrator.

Toco is also a good option to consider because it offers roadside assistance with all their plans, as well as trip interruption coverage and rental car benefits.

Toco’s customer support is another selling point. You can reach them via live chat, phone or email and their website has a lot of useful, informative articles on car maintenance, vehicle service contracts, car safety, money saving tips and more. You can browse all of them in the Knowledge Center.

One drawback is the fact that Toco doesn’t cover all the states, although it gets pretty close. Their VSC plans are not available in Alaska, Missouri and Washington.

If you sign up for one of the plans, it is good to know that you don’t have to commit to long term contracts. You can cancel your contract any time you want, although some cancellation fees will apply.

Here are the plans offered by Toco:

Orange - covers vehicles from the year 2015 or newer, with up to 60,000 miles.

What is covered:

  • Engine
  • Transmission
  • Drive axle
  • Transfer case
  • Turbo/supercharger
  • Electrical
  • Air conditioning and cooling system
  • Fuel system
  • Brakes
  • Steering
  • Suspension
  • Electronic high tech
  • Technology package
  • Modern features package

The Orange plan is the most comprehensive of all 4 plans.

Yellow - it covers cars from the year 2010 and newer, with up to 100,000 miles.

What is covered: all the parts/systems in the Orange plan

Green - it also covers vehicles from 2010 and newer, with up to 100,000 miles. This plan has the same coverage as the other 2 plans, except the electronic high tech, technology package, modern features package.

Blue - this plan is the best option to consider if you have an older car. It covers vehicles from the year 1999 and newer, with up to 175,000 miles on the meter.

What is included:

  • Engine
  • Transmission
  • Drive axle
  • Transfer case
  • Turbo/supercharger
  • Electrical
  • Cooling system
  • Air conditioning
  • Fuel system

All these contracts are valid only after a 30-day waiting period (1,000 miles).

All in all, Toco is a trust-worthy, affordable VSC provider and has plans for almost any car owner. And although we really like the customer support that Toco provides we did have to rank them below the best of the best which we have selected as AutoPOM!. The AutoPOM! warranty  was hands down the best that we could find anywhere. Couple that with amazing customer service and a great reputation and you see why we rank them the best extended car warranty providers around.