Toco Warranty Overview

Tamara Avatar By: Tamara | Last updated July 24, 2019

toco warranty overview vehicle service contract hand holding piece of paper that says are you covered blue toy car on table

One of the first things you think about when you buy a new car is how to protect it best so that you can enjoy it for as many years as possible. All car dealers offer the bumper to bumper warranty when you purchase a new vehicle, but unfortunately, it doesn’t cover you for that long.

Most bumper to bumper warranties expire in 3 years or 36,000 miles. If you are lucky, you can benefit from it for 4, 5 or even 6 years. Volkswagen for instance offers them for 6 years/72,000 miles. Mitsubishi, Genesis, Hyundai for 5 years/60,000 miles.

However, even so, most car owners don’t plan to sell their vehicles in 3, 4 or even 6 years, in most cases. They keep their cars for as long as they run and can be driven. That is why it is important to take additional measures to protect your vehicle.

Vehicle service contracts, in short, VSC, are contracts that you sign with specialized companies, that cover specific parts of your car and the repairs that may have to be made to those parts. VSCs are often referred to as extended warranties, although are not exactly warranties, because they don’t extend the coverage of your factory warranty. They cover specific components in your vehicle and the coverage varies from company to company.

How good is Toco Warranty?

Toco sells vehicle service contracts and it is a reputable name in the industry. The company has been around for 6 years, it is based in California and it has an A+ rating with the Better Business Bureau (BBB). It mostly has only positive customer reviews and it is an affordable provider to consider if you want a VSC for you car.

What does Toco offer?  

Toco has 4 plans to offer, each with its requirements and coverage. All plans include a $100 deductible and that price drops to $50 if you opt for one of their preferred facilities when you have to repair your car. However, you are free do take it to any repair shop you want.

All plans offered by Toco include 24/7 roadside assistance, rental car benefits, trip interruption coverage. You also benefit from fast customer service via live chat, phone or email.

Toco has a 30 day waiting period (1,000 miles) for the coverage to take effect, which is the industry average.

The 4 plans offered by Toco are Orange, Yellow, Green and Blue. The contracts for each can be downloaded in English or Spanish.

Toco doesn’t charge a down payment and you have to pay only the monthly fee, which is affordable.

You can pay with Mastercard, Visa, American Express, Discover cards (credit or debit). If you opt for a certain payment method and wish to change it, you can easily do so by logging into your Toco account and accessing the Payment Methods tab.

The Orange plan is for vehicles that are from the year 2015 or newer and have up to 60,000 miles on them.

It is the most comprehensive plan and it covers: the engine, transmission, drive axle, transfer case, turbo/supercharger, air conditioning, cooling system, electrical, fuel system, brakes, steering, suspension, electronic high tech and more. You can see what is not included in this plan when you download the contract.

The Yellow plan covers cars that are from 2010 or newer and have up to 100,000 miles on them.

The Yellow plan covers the engine, transmission, drive axle, transfer case, turbo/supercharger, electrical, steering, air conditioning, cooling system, brakes, fuel, suspension, electronic high tech and modern features package.

The Green plan is also for vehicles that are from 2010 and newer/up to 100,000 miles. The difference is the fact that the green plan doesn’t cover the modern and technology features. Other than that, it offers the same coverage as the Yellow plan.

The Blue plan is more basic and doesn’t cover as many parts as the other plans but it is the best one for those who own a used car. This plan covers vehicles from the year 1999 or newer, that have up to 175,000 miles.

The Blue plan covers the engine, transmission, drive axle, transfer case, turbo/supercharger, electrical, cooling system, air conditioning, fuel system.