Toco Warranty Review

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Last Updated: December 17, 2022

Toco Auto Warranty: An Overview

Toco is a reputable extended warranty provider (aka mechanical breakdown protection provider) located in California. This online auto warranty platform was founded in 2013 and backed by AmTrust Financial Services.

 The Toco warranty reviews indicate that it can be the most fantastic choice for your vehicle protection needs. The company has earned an excellent reputation among experts and car owners in the vehicle warranty industry. In addition, the comprehensive coverage options of Toco don't require any activation fee to start.

With a robust A+ rating from the Better Business Bureau (BBB), accreditation, and 4.8 stars out of 5 on Google reviews, Toco offers trustworthy services to its customers. In addition, the car rental and roadside assistance offered by Toco warranty can be used at any ASE-certified mechanic nationwide.

Toco is a professional extended warranty company that lets customers pay monthly instead of demanding a heft down payment. The company is the administrator, seller, and obligator for the extended warranties they sell. Toco provides services in 46 out of the 50 U.S. states.

Toco Extended Warranty Coverage Review

Toco offers four different coverage levels to cater to the needs of every customer. The level of coverage is determined by the number of miles on the vehicle's odometer during the claim submission.

Green Level

The Toco's green levels cover essential components of the vehicles. This level has enhanced powertrain coverage for many necessary details. The green coverage level is for claims submitted between 200,001 and 250,000 miles on the vehicle's odometer.

Blue Level

This level provides coverage for the powertrain and some of the other elements to keep your car's cooling and electrical systems working. It is for the claims submitted between 150,001 and 200,000 miles.

Yellow Level

The Toco's yellow level offers comprehensive stated-component coverage that covers all the basics. It also covers brakes, high-tech electrical, and some modern features. The yellow group is for the claims submitted between 100,001 and 150,000 miles on the vehicle's odometer.

Orange Level

The Toco's orange level provides bumper-to-bumper contract coverage, which is comparable with the manufacturer's original warranty. The orange level plan is for the claims submitted under 100,000 miles on the vehicle's odometer.

Pros and Cons of Toco Auto Warranty

Parts Covered by Toco Warranty Plans

The coverage of the Toco warranty depends on which coverage level you choose. The most basic plans offer powertrain coverage, while the highest tired warranty plans offer bumper-to-bumper coverage. Some common parts covered by Toco warranty plans include:

• Steals and Gaskets
• Steering
• Cooling system
• AC
• Brakes
• Drive Axle
• Electrical components
• Transmission
• Engine

Things that Toco Warranty Plans do not cover

Just like other extended warranties, the Toco warranty also does not cover the following items;

• Cosmetic issues
• Wheels and tires
• Accident & collision damage
• Normal wear and tear
• Weather damage
• Repairs for prior problems
• Routine maintenance
  

Cancellation of Toco Extended Warranty

The refund policy of Toco's extended warranty lasts for 60 days. You can cancel your subscription within this period if you have yet to file a claim. If you cancel your Toco warranty subscription within 60 days, you will get a 100% refund. If you try to cancel your subscription after 60 days, you might be charged a cancellation fee of $50.

Quotes & Claims Processes

Toco warranty reviews from different customers reveal that the company needs a comprehensive quote tool for its warranty coverage. However, filing a claim with Toco Car is quite simple.

You must take your car to any licensed repair shop and have your mechanic contact the company. Once your vehicle's repairs are completed, you can pay your deductible. After this, Toco will spend the rest of the repair cost alone on the facility.

Common Reasons for the Rejection of Toco Car Warranty Claims

Your Toco car warranty claim can be rejected for the following reasons:

• Toco car warranties cover only specific parts. So, if your car gets more repairs than approved, it can leave you to pay extra costs.
• Poor maintenance can also cause your Toco claims to be rejected. If you don't correctly ensure the maintenance of your car and things go wrong, Toco will not be responsible for the repairs.
  

Toco Warranty Reviews

Toco has a healthier mix of both positive and negative reviews. With more than 100 reviews, Toco car warranties have received a 4.4 rating out of 5 from Better Business Bureau (BBB). Below we have shared some negative and positive reviews about Toco warranties to help you make an informed and wise decision about purchasing the company's plans. Most of Toco's positive reviews highlight the company's professional representatives and hassle-free claims processing.

Positive Reviews

"This was fast, and Toco did a great job. They fixed my car within no time, got me back on the road, and saved my $500." (JACK G. VIA BBB)

"I've had recently purchased a Toco warranty plan, and it is a wonderful experience. They really rescued my life, and I love doing business with Toco." (ARKEISHA S. VIA BBB)

Negative Reviews

Toco has only a few negative customer reviews, primarily focusing on expensive premiums and slow claiming processes.

"When my water pump went out of my car, I filed a claim with Toco. They told me they would only cover the water pump but not the water tensioner or pump. I have to pay $487 from my pocket, and I feel Toco should have covered these parts." (ELVIS R. VIA BBB)

"Inaccurate and unfair claims process. They covered the only things that never break. The words that are put on the agreement allow Toco to prevent people from paying and scamming them. I feel they are frauds, and I will never waste my money on them."  (ALBERT S. VIA BBB)

Final Thoughts on Toco Warranty

The Toco warranty reviews from numerous customers prove the company can quickly cover your claims. Customers also praise Toco for its excellent customer support services and affordable coverage plans. Undoubtedly, Toco also has some negative reviews, but it responds promptly and strives to resolve the complaints as soon as possible.

The Car Data Review Methodology

Our expert review team is committed to providing honest and objective information. Based on consumer data, we identified the following rating categories and did extensive research to determine the top extended auto warranty providers.

• Affordable: Many factors influence the cost of a service, making it difficult to compare prices between providers. Our secret shopper team analyzes different vehicles, mileages, and warranty plans to give you this rating.
• Coverage - Each consumer has different needs. Every car warranty company must offer a variety of coverage options. We consider the number of plans available, terms limits, exclusions, and additional benefits.
• Industry Standing: Our team considers Better Business Bureau (BBB), ratings, availability, years in business, and other factors when determining this score.
• Customer Services: Trusted extended car warranty companies provide a level of customer care. We consider customer reviews, BBB complaints, and responsiveness to customer service.