Auto Warranty
Top Companies in 2026
CNA National Warranty vs Toco Warranty
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- Multiple deductible options
- Tire and wheel coverage
- Affordable payment plans
- Wide range of coverage options
- Nationwide coverage
- Travel and lodging reimbursement
- Transferable contracts
- Choice of licensed repair facilities
- Direct payment to repair shops
- Roadside and trip interruption benefits
- No down payment required
- No quote engine
- No sample contract
- Some contracts might not be renewable
- Out-of-pocket expenses
- Not an administrator for all of its products
- Limitations to extra benefits
- Not all contracts qualify for transfer or cancelation
- No published pricing
- 90-day/1,000-mile waiting period in most states
- Non-transferable coverage
- $15,000 aggregate coverage limit
CNA National is a provider of extended auto warranties with over 30 years of experience in the industry. They offer a wide range of coverage options to fit your needs, including bumper-to-bumper coverage, powertrain coverage, and roadside assistance. You can purchase their extended auto warranty from your local dealership. CNA National is also a 26-time Dealers' Choice Award winner, which is a testament to their high level of customer service. Numerous levels of coverage are available for CNA National Warranty Services to meet individual needs. Roadside assistance, rental car reimbursement, travel and hotel reimbursement, Limp-along support, and wheel protection are all included in certain plans of their policies. Furthermore, they offer coverage for several types of automobiles, ensuring that their services are accessible to various clients.
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.
- BBB Rating : A+
- Maximum Mileage : Undisclosed
- Money-Back Guarantee : No
- Number of Plans Available : 4 with 2 upgrade options
- Waiting Period : Undisclosed
- Operating Status : Active
- 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
- Electric vehicle coverage
- Limp-along assistance
- Less exclusions than other warranties (like wear and tear and pre-existing conditions)
- Coverage can continue up to 250,000 miles
- Four mileage-based coverage levels
- Month-to-month contracts
- Coverage automatically adjusts as vehicle mileage increases
- High-mileage
- Exclusionary
- Powertrain
- $0 deductible option—Undisclosed
- Commercial/rideshare—Undisclosed
- EV/hybrid components—Undisclosed
- No waiting period—Undisclosed
- Option with free maintenance benefits—Undisclosed
- Transferable—Undisclosed
- High-mileage
- Exclusionary
- Powertrain
- $0 deductible option
- Commercial/rideshare
- EV/hybrid components
- No waiting period
- Option with free maintenance benefits
- Transferable
- 24/7 roadside assistance—Undisclosed
- Any licensed repair shop—Undisclosed
- Direct shop payment
- In-network repair network
- Mobile app for claims—Undisclosed
- Online claims portal—Undisclosed
- Trip interruption coverage
- 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
- Phone
- 24/7 customer support—Undisclosed
- FAQs / Educational resources
- Live Chat
- Mobile Application—Undisclosed
- Online quote without phone—Undisclosed
- Sample contracts online
- Phone
- 24/7 customer support
- FAQs / Educational resources
- Live Chat
- Mobile Application
- Online quote without phone
- Sample contracts online
- Contract (lump-sum) payments
- Pay-in-full discount
- Month-to-month payments—Undisclosed
- Cancellation fee—Undisclosed
- Multi-vehicle discount—Undisclosed
- Price lock guarantee—Undisclosed
- *Not all payment methods are available in all states
- *Some payment methods may incur additional fees
- 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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