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AutoAssure vs Toco Warranty

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Pros
  • Lodging and meal payments
  • Unlimited claims
  • Choose any mechanic
Pros
  • Choice of licensed repair facilities
  • Direct payment to repair shops
  • Roadside and trip interruption benefits
  • No down payment required
Cons
  • Lots of customer complaints
  • Do not cover pre-existing conditions
  • All benefits have a limited allowance
  • On alert on Better Business Bureau
  • Unclear if still selling plans
Cons
  • No published pricing
  • 90-day/1,000-mile waiting period in most states
  • Non-transferable coverage
  • $15,000 aggregate coverage limit
Summary

There's some ambiguity around AutoAssure's current status in providing car warranties, as various sources offer conflicting information. Presently, attempts to visit AutoAssure's website lead to redirection to Endurance's site. This situation calls for caution among consumers thinking about acquiring car warranties from AutoAssure.

Summary

Founded in 2013 and headquartered in Houston, Texas, Toco Warranty is a direct-to-consumer vehicle service contract provider offering month-to-month protection for eligible vehicles. Their coverage follows a mileage-based structure, with four levels that change as an enrolled vehicle accumulates miles and protection that can continue up to 250,000 miles. Customers can use state-licensed repair facilities, while approved claims are paid directly to the service location. Coverage also comes with breakdown-related perks, including roadside services, rental assistance, and trip interruption benefits. Toco is accredited by the Better Business Bureau and currently holds an A+ BBB rating. Customer feedback is largely positive, with BBB reviewers frequently highlighting helpful service, successful claims, and repair-cost savings, though complaints also raise concerns about claim decisions, maintenance documentation, and repair delays. Their combination of mileage-based coverage, monthly contracts, and high-mileage protection gives prospective customers several factors to examine more closely when comparing vehicle protection options.

Quick Stats
  • BBB Rating : C+
  • Maximum Mileage : Undisclosed
  • Money-Back Guarantee : 30-day money-back guarantee
  • Number of Plans Available : 4
  • Waiting Period : Undisclosed
  • Operating Status : Absorbed by Endurance in 2016
Quick Stats
  • BBB Rating : A+ (Accredited)
  • Maximum Mileage : 250,000 miles
  • Money-Back Guarantee : Undisclosed
  • Number of Plans Available : 4
  • Waiting Period : 90 days / 1,000 miles (30 days / 1,000 miles in Georgia)
  • Operating Status : Active
  • Deductible Range : $75–$100
Selling Points
  • Lodging and meal payments
  • Unlimited claims
  • Choose your preferred repair shop
Selling Points
  • Coverage can continue up to 250,000 miles
  • Four mileage-based coverage levels
  • Month-to-month contracts
  • Coverage automatically adjusts as vehicle mileage increases
Coverage & Plan Flexibility
  • High-mileage
  • —
    Undisclosed
    Exclusionary
  • —
    Undisclosed
    Powertrain
  • —
    Undisclosed
    $0 deductible option
  • —
    Undisclosed
    Commercial/rideshare
  • —
    Undisclosed
    EV/hybrid components
  • —
    Undisclosed
    No waiting period
  • —
    Undisclosed
    Option with free maintenance benefits
  • —
    Undisclosed
    Transferable
Coverage & Plan Flexibility
  • High-mileage
  • Exclusionary
  • Powertrain
  • $0 deductible option
  • Commercial/rideshare
  • EV/hybrid components
  • No waiting period
  • Option with free maintenance benefits
  • Transferable
Claims & Repair Experience
  • —
    Undisclosed
    24/7 roadside assistance
  • —
    Undisclosed
    Any licensed repair shop
  • Direct shop payment
  • In-network repair network
  • —
    Undisclosed
    Mobile app for claims
  • —
    Undisclosed
    Online claims portal
  • Trip interruption coverage
Claims & Repair Experience
  • 24/7 roadside assistance
  • Any licensed repair shop
  • Direct shop payment
  • In-network repair network
  • Mobile app for claims
  • Online claims portal
  • Trip interruption coverage
Customer Support & Transparency
  • Phone
  • 24/7 customer support
  • Email
  • FAQs / Educational resources
  • Live Chat
  • Mobile Application
  • —
    Undisclosed
    Online quote without phone
  • Sample contracts online
Customer Support & Transparency
  • Phone
  • 24/7 customer support
  • Email
  • FAQs / Educational resources
  • Live Chat
  • Mobile Application
  • Online quote without phone
  • Sample contracts online
Contract & Payment Terms
  • —
    Undisclosed
    Contract (lump-sum) payments
  • —
    Undisclosed
    Pay-in-full discount
  • —
    Undisclosed
    Month-to-month payments
  • —
    Undisclosed
    Cancellation fee
  • —
    Undisclosed
    Multi-vehicle discount
  • —
    Undisclosed
    Price lock guarantee
  • *Not all payment methods are available in all states
  • *Some payment methods may incur additional fees
Contract & Payment Terms
  • Contract (lump-sum) payments
  • Pay-in-full discount
  • Month-to-month payments
  • Cancellation fee
  • Multi-vehicle discount
  • Price lock guarantee
  • *Not all payment methods are available in all states
  • *Some payment methods may incur additional fees

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