Toco Auto Warranty Reviews

About Toco Auto Warranty

The Toco Auto Warranty, found online at TocoWarranty.com, says that their goal is to provide car owners with an extended car warranty that guarantees that “your car might break down, but your life doesn’t need to.”

How Does It Work?

According to their website, most people understand that they would benefit greatly from having an extended warranty on their car, which would cover any major repairs without putting them in serious financial trouble. 

Unfortunately, these types of warranties can be expensive, and TocoWarranty.com says that many people have had bad experiences with needing to pay for their warranty in advance and feeling as though they didn’t get the real value out of what they paid for. 

To solve this problem, the Toco Auto Warranty is designed to be both simple and affordable so that it meets car owners’ needs without creating any further burdens for them. Repairs can be done by any Licensed Repair Facility of your choosing, no need to go to special or limited locations, and the warranty comes with no down payment and a low monthly fee. 

Customers with typical driving records should know that after signing up for your warranty, it will take 30 days and 1,000 miles on average before your warranty kicks in. Specific details can be gotten from your account representative. 

Cost/Price Plans

Currently, this company offers three different warranties which differ depending on the current state of your vehicle. The Orange Plan is designed for cars that have up to 60K miles and are up to five years old and is described as their most comprehensive plan. 

The Yellow Plan is designed for cars that have up to 100K miles and are up to ten years old and covers the engine, transmission, drive axle, steering, brakes, suspension, cooling system, electrical, air conditioning, and more. Finally, the Blue Plan is designed for cars that have up to 175K miles and are up to twenty years old and covers the engine, transmission, drive axle, 4x4 transfer case, cooling system, air conditioning, fuel system, electrical, and more.

No matter what plan you qualify for, each comes with roadside assistance, rental car benefits, hotel discounts, trip interruption coverage, and customer service. Alternative plans are available in California, and their coverage is not available in Alaska, Missouri, and Washington at this time. 

To see how much this warranty will cost you, you will need to submit important details about your car in order to receive a free quote, customized to your particular circumstances. 

Refund Policy

This company does not provide a traditional Refund Policy, but they do allow their customers to pay for their warranty on a month-to-month basis and all members are allowed to cancel their service at any time without penalty. 

Customer Service Contact Info

Customers who would like to contact Customer Service with any questions, concerns, or complaints can do so by phone at 855-298-8626, by email at [email protected] or by submitting them online through their Contact Us link.   

Reputation

The Toco Auto Warranty receives mixed reviews. Some users report being very happy with both the cost and the value of their warranty, as well as happy with the customer service they received whenever they had a problem. 

However, some users do report complaints about this service, saying that they felt their claims were denied for reasons that made no sense to them, and others said that one representative approved a licensed repair facility at one deductible cost and then after the repair was done, they were told by another representative they had to pay a higher deductible because the facility was not approved.   

In general extended warranties for automobiles are fairly controversial, with Consumer Reports saying that market wisdom says to not buy a warranty at all, because most people will never use them and those that do likely would have paid much less for the repair out of pocket than they did for their warranty.

That being said, if you have ever required a major car repair, having a warranty that you can pay for month-to-month is often much easier to handle than a huge expense at one time. The Consumer Reports article does include a checklist of what to look for if you do decide to purchase a warranty. 

Competitors and Alternatives?

There are other extended warranty companies out there, of course, so if you decide that a car warranty is the right choice for you but you are hoping to find something other than Toco, you should be able to find a licensed company in your state of residence fairly easily.  

If you have any experience with this company or their products, please leave your Toco Auto Warranty reviews below.

1 ‘Toco Auto Warranty’ Review
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ripped off

March 12, 2018

my mother got toco and her car is a 2013 chevy cruz 110,0000 miles got it brand new her ac went out we tried getting this company to pay and they wont pay.this is a total scam.

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