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Toco Warranty Vehicle Service Contracts – Is it a good option to consider?

Hailey Avatar By: Hailey | Last updated May 24, 2021

toco warranty vehicle service contracts couple frustrated car breakdown man on the phone asking for help car with open hood

Toco Warranty Corp is a reputable vehicle service contract (VSC) provider based in California. It holds an +A rating with the Better Business Bureau and it has good customer ratings on the internet.

Vehicle service contracts are useful agreements that you can purchase from car dealers or third parties such as Toco. These contracts ensure you in case of any mechanical breakdowns of your vehicle. Depending on the contract and how much you are willing to pay, your contract can cover only the basic systems of your car, specific parts or they can offer a comprehensive coverage that gets really close to the manufacturer’s warranty. The more parts are covered in your contract, the more expensive the contract will be.

VSCs are useful for car owners that want to continue to protect their car (and wallet) after their original car warranty expires. Car breakdowns can occur any time and the more mileage on the car, the more it is prone to breakdowns. Car repairs can get really expensive, because both labor and components are really pricey these days. That is why a VSC can be a godsent, as few people are prepared for car trouble, which can occur when you least expect it.

What is the Toco extended auto warranty offer?

Toco offers VSCs (in almost the entire country, except for Alaska, Washington and Missouri) and MBI (mechanical breakdown insurance). The latter is only available to California residents.

There are 4 plans to choose from for their vehicle service contracts. The plans are: blue, green, yellow and orange.

The Blue plan is their most basic plan but it is the best option you can choose if you have a used car with a high mileage on it. The Blue plan accepts vehicles that are from the year 1999 or newer and have up to 175,000 miles on them.

What’s covered by the Blue plan: engine, transmission, drive axle, transfer case, turbo/supercharger, cooling system, electrical, air conditioning, fuel system.

The next options are the Green and Yellow plans, which accept cars from 2010 and with up to 100,000 miles. The Green plan adds the audio system in the coverage and the Yellow one the electronic high tech and the suspension.

Orange is the most expensive plan offered by Toco and has the strictest requirements. It covers newer cars that are from 2015 or newer and have only up to 60,000 on them. On the other hand, this is the most complex plan offered by this service, as it covers pretty much your entire vehicle, including the electronic high tech and modern features.

Toco offers 24/7 roadside assistance, rental car benefits and trip interruption reimbursement with all its plans. 

Toco charges a $100 deductible and you can pay only half of that if you take your car to one of their preferred repair locations. However, you can choose any licensed repair shop in the country if you want.

Toco offers customer support by live chat, phone and email. You can also use their website to get a free quote by filling in a form in which you provide information such as your full name, car make, model and mileage and so on. Overall we really liked Taco and the Taco BBB rating was very impressive.