Toco Warranty’s award-winning service and low monthly payments create an easy, affordable, and stress-free experience- That’s the Toco Promise! Vehicle repairs may be unexpected, untimely, and unaffordable, preventing you from getting home, to work, or wherever your live and car take you. Major breakdowns on vehicles may cost thousands of dollars, and minor repairs may set you back hundreds or more. The cost of parts and labor are continually rising whether you go to a dealership, franchise, or private mechanic. Let Toco get your back! Since 2013, Toco has been keeping customers on the road and out of the shop. Forget those groups that use high-pressure tactics, huge down payments, or worst of all, robocalls! Toco will never do that. Rather than charging customers upfront for years of coverage or requiring a hefty down payment, Toco offers low monthly payments and a no-pressure enrollment consultation. Toco commits to customer satisfaction, transparency, and accountability, earning your trust and keeping you on the road. Toco administers their contracts, ensuring that the claims experience is best in class. During a repair, the Toco Concierge team holds your hand throughout the process, ensuring that you know exactly what is going on and how much time the repair will take. Toco believes that setting customers up for success is dependent on great communication, transparency, and honesty. For your free, no-obligation enrollment consultation, click the link below or visit tocowarranty.com for more details.
Written by the business, not verified by us.
Is Toco Warranty Corp. legit?
Toco Warranty Corp. (tocowarranty.com) has a 4.5 out of 5 rating on OK.one, based on 100 user reviews collected here. It is listed under Money & Insurance and its reputation is excellent. 87% of reviews are 4 stars or higher and 9% are 1 star; The business has replied to 100% of negative reviews; 14 of them were added in the last 12 months. Last updated 2026-08-28.
Michelle and Wendy were awesome, everything you expect and hope for with customer service issues. thank you both
Michelle was able to send my policy and processes my payment in one call - thank you Michelle
Wendy was awesome - great personal service, great advice is working with repair shop, very helpful - justified my choice in selecting Toco as my repair insurance program. Thank you Wendy
Reply from Toco Warranty Corp.2024-07-08
Thank you for your feedback! We're thrilled to hear about your positive experiences with Michelle and Wendy. Michelle's efficiency in sending your policy and processing your payment in one call exemplifies our commitment to excellent customer service. Wendy's personal service, helpful advice, and support with the repair shop truly highlight why Toco is the right choice for your repair insurance needs. We'll be sure to pass along your kind words to both of them. Thank you for choosing Toco Warranty!
This company is a scam! When I bought my car I included an extended warranty since it is a Mercedes and had some 28k miles already. That warranty worked perfectly, I had to take my car 2 times to the dealer and I only had to pay my $50 deductible in every case. When the warranty expired I decided to open an account with Toco and go for its top-tier Orange plan, which has a $100 and has the most comprehensive coverage, and in my case, I had to pay $194 monthly. The surprise started when the AC compressor failed and I had to take it to the dealer. Suddenly, the Toco representative told me that the dealer 'should not charge that amount for labor' and we only cover up to this, and the dealer 'must buy this part up to this price'. I rented a car for 2 days in a nationwide company for $40/day, I don't have to specify I took the smaller/cheapest car in the lot, even though I drive a full-size SUV. I ended up paying $400 out of my pocket for the repair and they did not cover the full rent expense. This company is so cheap that the rental bill was $85 and they only covered $80. the next month the AC stopped working and I had to return to the dealer. This time, the dealer wants to replace the high line because of a leaking in its valve, Toco was notified on May 7th. On Friday 10th Toco called me to inform me that the company has 48 hours to go to the dealer, and that doesn't include the weekend days. Toco's inspector finally made it to the dealer on Wednesday, May 15th, more than 48 hours, then Aaron called me to let me know that it was not covered and 'that's what it is'. The AC high line is not included nor excluded and is in a grey area they used in their favor, I wonder how many parts are hidden that will end up not covered. This is a nonserviceable part, so to my basic mechanic knowledge, it is obvious it should be covered. That did not stop there, also they did not cover the days that I had rented a car waiting for them, which ended up being 9 days. After I decided to close my account, you have to call them and they won't let me cancel my account in that call, they would have an agent to call you and persuade you to change your mind. Then, the same Aaron called me and suddenly they could help me with the repair and the rent expenses. I did not talk about numbers because I had a firm decision to close my account, but considering they are so cheap, their coverage for this 'help'(that I am paying!) should have been a laughing number. Go for another option, if something more serious happens to your car, they won't cover it and you will be on your own
Reply from Toco Warranty Corp.2024-06-10
Thank you for taking the time to share your experience with us. We are truly sorry to hear about the difficulties you encountered with your coverage and the frustrations it has caused.
At Toco Warranty, we strive to provide comprehensive and transparent coverage to our customers, and it is disappointing to learn that we fell short in your case. Your feedback highlights areas where we need to improve our communication and service delivery, particularly regarding the handling of labor charges, rental car expenses, and the inspection process.
We understand how critical it is for repairs and claims to be handled promptly and fairly. Please know that we take your concerns seriously and will use this feedback to address these issues.
Completely seamless. Aaron made sure things moved along and kept me informed every step of the way.
Reply from Toco Warranty Corp.2024-05-28
Thanks for taking the time to review Toco and offer feedback on our agents. We appreciate the opportunity to serve and we look forward to working with you down the road.
Aaron was super helpful with my claims. His knowledge of the process was outstanding. Must of all he was patient with me going back and forth with the machine shop.
Reply from Toco Warranty Corp.2024-05-28
Your review is appreciated and we look forward to being here for you should you need us. Thank you for allowing us to serve.
I have been with Toco for almost 9 years. My first car was a Lexus GS 350. They took care of it and me very well, for 7 years. Now I have a 2007 Chevy Tahoe. I take care of m Truck, they take care of my problems. My mom and 5 friends, joined because of me.
Reply from Toco Warranty Corp.2024-05-09
Thank you so much for being a loyal member of the Toco family for nearly a decade! We're thrilled to hear about your positive experiences with both your Lexus GS 350 and your Chevy Tahoe. It's our privilege to take care of your vehicles so that you can drive with peace of mind. We're also incredibly grateful that you've introduced your mom and friends to Toco. Your trust and support mean the world to us. Thank you for choosing us year after year, and we look forward to continuing to serve you and your loved ones!
Toco is amazing! We have been with Toco since 2019 and they have been A1 since day one :)
Highly recommended!! The best warranty company out there!!
Reply from Toco Warranty Corp.2024-04-16
Thank you for taking the time to leave a review and thank you for being a longtime Toco customer. We appreciate the opportunity to impress and look forward to serving you down the road.
I would like to say a huge thank you to Tranell, Kevin and Ronda for the outstanding customer service. I had an issue with my truck, and they went well above and beyond and I would highly recommend TOCO for all of the hard work.
Reply from Toco Warranty Corp.2024-04-16
Thank you for allowing us to serve. We appreciate the opportunity to earn your business and your trust.
Last year I went through a tough time and Stephanie was there very well taking care of things and handling it so well. I had issues with Liberty Hyundai where they didn't even give me a Courtesy Loaner Sometime in October 2023, whereas the vehicle was dropped off mid-September or so and we went one month without a loaner and had hard times getting to all our appointments, Stephanie and Holly came to our rescue and helped us get the loaner. They both truly worked a miracle, and I would always like to have Stephanie, Holly or Madison to be in charge of any issue I may encounter in any coming months (hopefully not).
This review may not be enough to compliment them both but all I can say is that you both were absolutely awesome.
Thank you so much Stephanie and Holly for being so awesome. Hope you get this review.
Reply from Toco Warranty Corp.2024-02-14
Thank you for the wonderful review; it is very thorough. We appreciate the time that you took to write it and we appreciate the opportunity to serve you in your time of need. Thank you for allowing Toco to be your Trusted Repair Coverage and gracing us with the opportunity to earn your business and your trust.
I wish I can give ZERO star but unfortunately the lowest google allows is 1. SAVE YOUR MONEY THESE GUYS ARE SCAMMERS AND WILL NOT COVER ANYTHING. I had an issue with my car “ noise coming from the engine” when. I took the car to the dealer who diagnosed the car and they said there is misfiring and issue with camshaft therefore engine needs to be replaced cuz cost to fix will be high. We opened the claim with these TOCO guys who sent their examiner to the dealer to take a look at the car then they told me the claim is denied and that there is nothing wrong with car and that all it needs with oil change- they dealer gave me and gave them the report that identify the issue with the engine yet they still refused to cover and honor the contract. My car service is Martin is the adjuster Travis follow up for the case claim# 009290 . Stephanie customer service. Daniella supervisor to date with oil change done on time- all receipts were provided to them- they are just scammers and don’t want to cover or pay anything. I spoke to the supervisor and I asked for their report that states that no issues with the car because I told them I’m taking them to court for failure to honor their contract and the refused to send it and told me they can’t send any reports out. I have all names “ Martin is the adjuster - Travis was a follow up for the case - Stephanie is customer service and Daniella is supervisor “ DO NOT USE THEM AND DO YOUR RESEARCH- THEY ARE NOT GOOD AND YOU WILL END UP PAYING FOR NOTHINGt.
Reply from Toco Warranty Corp.2024-02-06
Toco is committed to customer success and fairly paying all covered claims. Toco is currently working with the customer to assist and this claim has our immediate attention.
My experience with Toco Warranty has been a wonderful experience I would like to thank Wendy she was very helpful with my claim I had called in a claim that wasn't covered but since I was a long time customer they went and covered my claim for me this saved me alot of money and they couldn't have done it a better time right before Christmas if anyone is looking for a good nice and reliable warranty company i would suggest you go with Toco Warranty they really know how to take care of there customers thank you Toco for assisting me at a time of need
Reply from Toco Warranty Corp.2024-01-24
Thank you for taking the time to leave a review. We look forward to sharing this with Wendy's team.
I had a fairly good experience with Toco. I kept the service for a nearly year before canceling and within that timeframe I had one breakdown requiring contacting Toco. It took 4 hours to arrange a tow truck to my location (not their fault, it was a busy day) and two different tow companies had to be contacted to get one to me. Luckily, my breakdown happened within city limit just before leaving town so I wasn't stranded on a busy roadside.
It took a few days to coordinate with the repair shop because Toco is on the West coast and I live on the East coast, plus their office is unavailable on weekends. I was pleasantly surprised that my out of pocket cost to replace an air pump was lower than expected. The reps were always professional and helpful even when I cancelled the plan. The cost didn't make sense in the long run compared to how much of repairs are covered. I paid more for the warranty than my repair would have cost out of pocket.
Reply from Toco Warranty Corp.2024-01-24
Thank you for taking the time to leave a review. We appreciate the feedback and will be looking into the process. We want to ensure that all services are easy, affordable, and stress-free.
Endurance
CarShield
American Dream Warranty (American Dream Auto Protect, Inc.)
CARCHEX
Gladstone Insurancegroup
Champion Benefit Advisors
Empire Auto Protect
InsureMyDay Wedding Insurance