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Protect My Car vs Toco

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Pros
  • 24/7 roadside assistance
  • Includes student and military discounts
  • Trip interruption reimbursement
  • Transferable coverage
Pros
  • Trip interruption reimbursement
  • Extensive mileage coverage
  • Hybrid vehicle coverage
  • In-house plan management and distribution
  • Inclusion of high-tech components
Cons
  • Roadside assistance limited to 2 service calls per year
  • Not transparent about their prices
  • Doesn't cover California and Washington
  • Free quotes are not fully online, may pressure customers into buying
Cons
  • Geographic limitations
  • Non-transferable contracts
  • Rigid deductible terms
  • Limited freedom of choice
Summary

Protect My Car is a well-known company in Saint Petersburg, Florida, that has been around since 2005 and offers many services to keep your car safe and in good shape. They offer longer guarantees on cars that have up to 20 years left on them. Protect My Car stands out from others in the same field because they offer extra benefits and a wide range of coverage choices. They're proud to offer their services directly to you; they call it "The PMC Way."

Since March 2023, when it was said that PMC had fired 75 workers because of "unexpected business circumstances," there have been some worrying stories about the company. There are also hints that they will be firing more workers. So, it wasn't clear if this service provider was out of business or would be soon.
 

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 : C
  • Cancelation Option : Available
  • Maintenance Coverage : Available
  • Money-Back Guarantee : 30-day money-back guarantee
  • Number of Plans Available : 3
  • Repair Shop Choice : Any ASE certified repair shop
  • Term Limits : N/A
  • Waiting Period : N/A
  • Operating Status : Active
  • Business Started : 2005
  • Online Quote : True
Quick Stats
  • BBB Rating : A+
  • Cancelation Option : Available
  • Maintenance Coverage : Available
  • Money-Back Guarantee : Unavailable
  • Number of Plans Available : 4
  • Repair Shop Choice : Use any repair facility
  • Term Limits : Undisclosed
  • Waiting Period : Undisclosed
  • Operating Status : Active
  • Business Started : 2013
  • Online Quote : False
Selling Points
  • Maintenance benefits available in each of their plans
  • Available for some commercial vehicles
  • Monthly PMC rewards
  • Covers vehicles up to 20 years old with high mileage of up to 250,000
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
Customer Support
  • Phone
  • Email
  • FAQs
  • Help Guides
  • Undisclosed
    Live Chat
  • Undisclosed
    Mobile Application
  • Ticket
Customer Support
  • Phone
  • Email
  • FAQs
  • Help Guides
  • Live Chat
  • Mobile Application
  • Ticket
Payment Options
  • Major Credit Cards
  • Major Debit Cards
  • Undisclosed
    Cash
  • Check
  • ACH Transactions
  • PayPal
  • Undisclosed
    Apple Pay
  • Undisclosed
    Google Pay
  • Money Order
  • Wire Transfer
  • *Not all payment methods are available in all states
  • *Some payment methods may incur additional fees
Payment Options
  • Major Credit Cards
  • Major Debit Cards
  • Undisclosed
    Cash
  • Undisclosed
    Check
  • Undisclosed
    ACH Transactions
  • PayPal
  • Undisclosed
    Apple Pay
  • Undisclosed
    Google Pay
  • Undisclosed
    Money Order
  • Undisclosed
    Wire Transfer
  • *Not all payment methods are available in all states
  • *Some payment methods may incur additional fees

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