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CarShield vs Toco Warranty

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Pros
  • Multiple coverage levels
  • Monthly payment options
  • 24/7 roadside assistance
  • Transferable contracts
Pros
  • Trip interruption reimbursement
  • Extensive mileage coverage
  • Hybrid vehicle coverage
  • In-house plan management and distribution
  • Inclusion of high-tech components
Cons
  • No plan-specific pricing
  • Prior repair authorization required
  • Contract-specific exclusions
  • Mixed claims feedback
Cons
  • Geographic limitations
  • Non-transferable contracts
  • Rigid deductible terms
  • Limited freedom of choice
Summary

CarShield is a vehicle protection provider founded in 2005 and headquartered in St. Peters, Missouri. They offer several coverage levels for mechanical and electrical repairs, ranging from powertrain-focused protection to broader plans, with options for older and high-mileage vehicles as well as electric vehicles, motorcycles, and ATVs. Eligible vehicles can qualify for coverage with up to 300,000 miles, while contract-dependent perks may include roadside assistance, towing, rental reimbursement, and trip interruption coverage. Customer feedback is mixed, with CarShield holding a 4.1 out of 5 rating on Trustpilot based on tens of thousands of reviews. They are also accredited by the Better Business Bureau with an A+ rating, although their BBB profile shows a substantial complaint history. Their broad plan selection, high-mileage eligibility, contract terms, pricing, and claims experience provide several areas worth examining more closely before choosing coverage.

Summary

Toco offers comprehensive coverage, flexible payment options, and easy claims processing. Toco sells and manages its plans internally. They are also accredited with an A+ rating from the BBB! Some additional benefits of Toco's extended auto warranty are 24/7 roadside assistance, rental car reimbursement, and trip interruption coverage.

Quick Stats
  • BBB Rating : A+
  • Maximum Mileage : 300,000 miles
  • Money-Back Guarantee : Available
  • Number of Plans Available : 7
  • Waiting Period : Varies by contract
  • Operating Status : Active
  • Deductible Range : Quote-based; low or $0 options available
Quick Stats
  • BBB Rating : A+
  • Maximum Mileage : 250,000
  • Money-Back Guarantee : Unavailable
  • Number of Plans Available : 4
  • Waiting Period : Undisclosed
  • Operating Status : Active
Selling Points
  • Coverage up to 300,000 miles
  • EV-specific coverage
  • Motorcycle and ATV plans
  • Monthly payment options
Selling Points
  • Coverage of up to 250,000 miles on the odometer
  • Plans available for high tech components and technology packages
  • Covers hybrid cars
  • Variety of plans that can be tailored to individual needs
Coverage & Plan Flexibility
  • High-mileage
  • Exclusionary
  • Powertrain
  • $0 deductible option
  • Commercial/rideshare
  • EV/hybrid components
  • No waiting period
  • Option with free maintenance benefits
  • Transferable
Coverage & Plan Flexibility
  • High-mileage
  • Exclusionary
  • —
    Undisclosed
    Powertrain
  • —
    Undisclosed
    $0 deductible option
  • Commercial/rideshare
  • —
    Undisclosed
    EV/hybrid components
  • —
    Undisclosed
    No waiting period
  • Option with free maintenance benefits
  • —
    Undisclosed
    Transferable
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
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
Customer Support & Transparency
  • Phone
  • 24/7 customer support
  • Email
  • FAQs / Educational resources
  • Live Chat
  • Mobile Application
  • Online quote without phone
  • Sample contracts online
Customer Support & Transparency
  • Phone
  • 24/7 customer support
  • Email
  • FAQs / Educational resources
  • Live Chat
  • Mobile Application
  • —
    Undisclosed
    Online quote without phone
  • Sample contracts online
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
Contract & Payment Terms
  • —
    Undisclosed
    Contract (lump-sum) payments
  • —
    Undisclosed
    Pay-in-full discount
  • 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

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