Select Auto Protect vs. Toco

Select Auto Protect / Blog / Select Auto Protect vs. Toco

Once a vehicle’s original warranty expires, drivers may be vulnerable to unexpected maintenance and repair costs. Extended warranties offer peace of mind by protecting against these financial burdens in emergencies. However, with many plans and providers to choose from, shopping for an extended warranty can take time and effort. One of the leading providers in the market is Select Auto Protect, offering comprehensive coverage to suit various budgets and needs. In this article, we compare Select Auto Protect’s plans with those of Toco to help you decide when purchasing an extended warranty.


Before we dive into the specific details of the Select Auto Protect and Toco plans, here is a comparison chart summarizing each company:

 Select Auto ProtectToco
Year Established20202012
24/7 ClaimsYesOnly during business hours
Unlimited Service Calls/ClaimsYesYes
Number of Plans Offered34
Money Back GuaranteeYes (30-Day)Yes (30-Day)
Cancellation PolicyFull refund if canceled within 30 days of purchaseFull refund if canceled within 30 days of purchase
Roadside AssistanceIncluded in all plansIncluded in all plans
Additional Benefits

Trip interruption benefits

Towing coverage

Gas refill services

Payment plans

Rental car coverage

Interest free payment plans 

Sample Contract AvailableYesYes

Select Auto Protect Overview

At Select Auto Protect, we provide our customers with peace of mind through comprehensive 24/7 claims processing and a 30-day money-back guarantee. Our extended warranties offer a seamless payment experience that eliminates the need to pay for the entire repair bill out of pocket. Instead, customers are only responsible for the deductible, and the remainder of the payment is handled directly between us and the repair shop of their choice.

We do not require a pre-repair inspection to make the process of obtaining repairs even more convenient. All you need to do is contact our customer service team with your vehicle’s current odometer reading and VIN, and we will take care of the rest. Additionally, our services extend to all ASE (National Institute for Automotive Service Excellence) locations across the United States, so you can receive repairs at a convenient location.

Pros and Cons

Here are some of the main pros and cons for Select Auto Protect:

Coverage for vehicles of all agesNewer to the extended warranty industry
24/7 claimsNo mobile app
Seamless reimbursement and repair payment process 
No onsite inspection required 

Toco Warranty Overview

Toco Warranty is an extended warranty company that was founded in 2012 in West Hills, California, United States. The company offers a range of vehicle protection plans designed to meet the needs of various drivers. Their coverage includes powertrain, stated component, and exclusionary plans. Toco Warranty is known for its easy-to-understand coverage options, transparent pricing, and 30-day money-back guarantee. The company’s claims process is quick and simple, with 24/7 roadside assistance and no limit on the number of claims you can file. With its commitment to providing excellent customer service and reliable protection for your vehicle, Toco Warranty is a top choice for drivers looking for extended warranty coverage.

Pros and Cons

Four plans to choose fromMust purchase through an authorized partner
Coverage for older/high mileage vehiclesNegative BBB reviews
 Not available in Alaska, Washington and Missouri

Select Auto Protect vs. Toco: Coverage

Here is a summary of the plans and coverage for Select Auto Protect and Toco Warranty.

Select Auto Protect Coverage

At Select Auto Protect, customers can choose from three comprehensive extended warranty plans: the basic Select Silver plan, Select Gold, and the highest tier plan, Select Platinum. Select Silver is ideal for customers on a budget and protects essential components, like the engine, cooling system, brakes, and electrical components. The middle tier Select Silver plan includes all benefits from Select Gold with additional coverage for your steering system and lockouts.

Select Gold is the highest tier plan which includes all benefits from the Gold and Silver plans plus coverage for your AC and cooling system, ABS brakes, suspension, and more. All Select Auto Protect customers benefit from additional helpful perks, like emergency roadside assistance, gas refill services, and a rental car program.

 Select PlatinumSelect GoldSelect Silver
Cooling Systemxxx
Brake Systemxxx
Electrical Systemxxx
Drive Axlexxx
Trip Interruptionxxx
Gas Refillxxx
Roadside Assistancexxx
Rental Carxxx
Lock Outxx 
Steering Systemxx 
ABS Brakesx  
AC Systemx  
Heating Systemx  
Fuel Systemx  
Front Suspensionx  
Back Suspensionx  

Toco Warranty Coverage

Toco Warranty has four comprehensive plan options. Each of the plans are for specific vehicle ages and mileage amounts.

0-100k & 100k-150k Miles Protection Plan

Coverage includes:

  • Engine
  • Transmission
  • Drive Axle
  • Transfer Case
  • Turbo/Supercharger
  • Electrical
  • Cooling System
  • Air Conditioning
  • Fuel System
  • Technology & Modern Features

150k-200k Miles Protection Plan

Coverage includes:

  • Engine
  • Transmission
  • Drive Axle
  • Transfer Case
  • Turbo/Supercharger
  • Electrical
  • Cooling System
  • Air Conditioning
  • Fuel System

200k-250k Miles Protection Plan

Coverage includes:

  • Engine
  • Transmission
  • Drive Axle
  • Transfer Case
  • Turbo/Supercharger

Customer Reviews

In order to get a more accurate picture of what coverage with each company is like, here are several customer reviews for both Select Auto Protect and Toco Warranty.

Select Auto Protect Reviews

On Trustpilot, Select Auto Protect has a 4.4 out of 5 star rating out of over 130 reviews. Here’s what real customers had to say about Select Auto Protect.

Many thanks to Russel Walker for his expertise in helping me sign up for a service warranty for my Mercedes-Benz. He explained all aspects of my warranty in an easy-to-understand, concise manner. – Donna

Select Auto Protect made it the smoothest process handling my claim I had through them for my cars repairs. I didn’t have a car during the repair so Select was able to provide a rental which was awesome and helped me out so much. The claim was approved so easily, and Select paid for the claim before they even started the job! My direct account representative, Matt Ryan, was amazing with helping me and making sure everything was handled for me. Its very rare to have customer service like this these days, but Select Auto Protect has proven that there are good people out there. If you are skeptical about getting a warranty after horrible experience elsewhere, this is the company you are looking for! – anonymous

Toco Warranty Reviews

On Trustpilot, Toco Warranty has a 4.6 out of 5 star rating out of over 450 reviews. Here’s what real customers had to say about Select Auto Protect.

I had a very favorable experience with tocó warranty .they treat you as a member when you call.i had a young women Raven .go out of her way to make sure I was taken care of.i would recommend tocó warranty to anyone who wants excellent coverage on their car – Lenny Silverstein

My experience today with the Toco representative, Esther Gausepohl was excellent. She was very knowledgable and attentive to any concerns. I enjoyed the conversation. I am happy to remain a Toco customer. Edwin Rivera.


If you are in the market for an extended warranty, conducting thorough research and weighing your options before making a purchase decision is important. Companies such as Select Auto Protect and Toco offer reputable extended warranty plans with comprehensive coverage. By evaluating and comparing these companies carefully, you can make an informed decision that best suits your needs and budget.

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