Auto Savings & Protection

The average car owner spends $500–$700 per year on maintenance and repairs.

Toco helps you save with:

• Three month-to-month coverage options
• Direct payments from Toco to your preferred licensed mechanic
• Concierge services (guidance through claims, repairs, and questions)
• 24/7 roadside rescue
• Tows, jump-starts, locksmith help, tire changes, fuel delivery, and more
• Free oil changes from Take 5
• $5,000 annual limit of liability (up to two claims per year)
• $75 roadside reimbursement (per repair)
• $120 total car rental or rideshare reimbursement (per repair)
• Membership to Openbay+: Get up to 25% off routine maintenance through a network of 40,000+ service centers

Toco won’t cover:

• Vehicles 15 years or older (at time of enrollment)
• Vehicles over 150,000 miles (at time of enrollment)
• Mechanical problems that happen prior to contract purchase
• Mechanical problems that happen during the waiting period (60 days and 1,000 miles)
• Aftermarket components
• Modifications to factory-installed components
• Trucks with towing packages that aren’t factory-installed or factory-authorized

Consider Toco if:

• Your manufacturer's warranty is expiring
• You want to avoid unexpected high-cost repairs
• You want discounts on routine maintenance