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Route 66 vs Toco Warranty

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Pros
  • No deductible
  • Instant coverage
  • Nationwide coverage
  • Emergency roadside assistance
Pros
  • Choice of licensed repair facilities
  • Direct payment to repair shops
  • Roadside and trip interruption benefits
  • No down payment required
Cons
  • Lack of transparency
  • Limited availability
Cons
  • No published pricing
  • 90-day/1,000-mile waiting period in most states
  • Non-transferable coverage
  • $15,000 aggregate coverage limit
Summary

Established in 1986 and based in Mountain Home, Arkansas, Route 66 Extended Warranty, an Auto Services Company, Inc. subsidiary, stands out in the national extended auto warranty sector. The company aims to provide "Peace of Mind" through comprehensive mechanical breakdown coverage. Advantages of Route 66's extended warranties include instant coverage, no deductibles, nationwide accessibility, and 24-hour emergency roadside assistance. However, drawbacks include limited plan transparency, exclusive availability through financial institutions, and the absence of an online quote service. The company offers three plans—First Street, Main Street, and Easy Street—ranging from $1200 to $3500. Customer reviews vary, offering both positive and negative feedback. They highlight the positive experience of timely reimbursement and express concerns about denied claims and challenges with customer service. The company operates under Auto Services Company, Inc., which holds an A+ rating on the Better Business Bureau. Despite some limitations, Route 66 Extended Warranty remains a comprehensive option for reliable and tailored vehicle coverage. The company caters to a diverse audience, focusing on used car owners, frequent travelers, and new vehicle owners looking to extend factory warranty coverage. 

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 : A+
  • Maximum Mileage : Undisclosed
  • Money-Back Guarantee : Available
  • Number of Plans Available : 3
  • Waiting Period : Instant coverage
  • Operating Status : Active
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
  • Instant coverage
  • Instant reimbursement for covered repairs
  • $0 deductibles on all plans
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
  • Exclusionary
  • Powertrain
  • —
    Undisclosed
    $0 deductible option
  • Commercial/rideshare
  • EV/hybrid components
  • —
    Undisclosed
    No waiting period
  • 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
  • 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
  • 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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