Toco Warranty Offers Vehicle Service Contract Online With No-Down-Payment Option

Toco Warranty Corp., a seller of vehicle service contracts (VSC) and mechanical breakdown insurance, launched a new website for consumers who demand affordable monthly payments. Toco Warranty offers an easy online experience so customers can clearly understand their VSC coverage and have the ability to purchase online.

Pay-as-you-go plans have changed the way consumers choose services. This trend is not exclusive to TV services and is being adopted as a standard for mobile phone plans, music streaming and computer programs. A major factor driving consumers to “cut the cord” and opt for subscription-based services is cost.

To simplify the vehicle service contracts purchasing process, Toco Warranty’s user-friendly website lets consumers view Toco Warranty’s plans to see what’s covered and what isn’t, and to purchase directly online.

A 2015 study found that as many as 46 percent of U.S. households surveyed would find an unexpected $400 financial emergency challenging to handle.* Toco Warranty provides simple vehicle service contracts with a payment plan and no down payment. While it’s not a pay-as-you-go service, Toco customers may cancel their contract and payment plan at any time, although cancellation fees may apply.

“Our new website reflects our business model of simple, transparent and financially smart,” says Paul McGee, national Customer Care manager, Toco Warranty. “We put the customer first by addressing their primary concerns around a VSC and the ability to research through our robust Knowledge Center to help inform their decisions — all with a few clicks.”

Article Resource – https://www.tocowarranty.com/press-room/press-releases/toco-warranty-offers-vehicle-service-contract-online-with-no-down-payment-option

Top 10 Road Trip Tips for You and Your Family

Top 10 Road Trip Tips for You and Your Family

Here are ten tips to help you avoid unwelcome surprises along the way.

Summer is a great time to pack the car and take a road trip.

Keep your wheels rolling. Check your tires – including your spare, to be sure they are properly inflated and that the treads are not worn down to an unsafe level. Also check the spare just in case you need to use it.

Give your car a pre-trip checkup. Check your fluids, windshield wipers, lights, and more! Before you head out, be sure your car does not need maintenance. Check your oil, fill the gas tank and the windshield washer fluid, check the coolant and be sure your lights and signals are all working properly.

Be prepared. Pack an emergency kit, including a first aid kit, flashlight, bottled water, blanket and road flares.

Don’t get lost. Map your route and if your car does not have a GPS, consider buying one or download an app to help you find your way.

Check your glove box. Make sure your insurance and registration are up to date, and you have the necessary paperwork to prove it.

Pack some snacks. Especially if you are travelling with children, be sure to pack some snacks to tide you over in case it takes you longer than you thought to get to a planned rest stop.

Keep your phone charged. You never know when an emergency will come up and you will need to call for assistance. Be sure to pack a car charger just in case you need to recharge along the way.

Consider investing in a roadside assistance plan. It will come in handy if you need a tire changed, battery charged or an emergency tow. Vehicle service contracts, like the ones offered by Toco Warranty, typically include roadside assistance and can help you avoid unexpected covered car repair bills along the way.

Have a plan. Identify stops along the way and be sure to leave a copy of your itinerary with a friend or relative.

Have Fun! Enjoy the sights and pack some travel games to keep everyone entertained along the way.

Article Resource – https://www.tocowarranty.com/knowledge-center/car-lifestyle/summer-vacation-road-trip-10-things-to-enjoy-the-ride

How to Care for Your Tires During Cold Weather

car-driving-in-torrential-rain-causing-potential-tire-damage-toco-warranty-707x239

As the colder weather arrives, it is important to protect your car; and that includes the tires.

Often times, people forget that tire performance can be affected by dropping temperatures. Here are two things you can do to help prepare for the chilly days ahead:

Monitor the air pressure in your tires

Did you know that, the air pressure in your tires can decrease by about a pound for every 10 degrees the temperature drops? As the weather gets colder, it is even more important that you check the pressure in your tires regularly. In many newer cars, the air pressure is monitored by a sensor inside each tire, and a warning light may appear on your dashboard if a tire is underinflated. You should also check the pressure yourself. The recommended tire pressure, in pounds per square inch (PSI), will be listed in your owner’s manual and on a sticker located on the inside of the driver’s door. You can take your car in to a licensed repair facility to check your tire pressure.

Check the condition of your tires and treads

The cold weather also brings slippery roads, as the trees begin to shed their leaves, snow starts to fall and ice forms. With these potential driving hazards on the way, you will want to be sure your tires and brakes are performing properly. You should inspect the tread to help ensure that your tires will provide you with good traction in wet and slippery conditions. When inspecting the tires yourself, also look for things like cracks or missing chunks of tire as these will indicate that your tires may not perform properly.

Also be sure to check your owner’s manual and have your tires rotated in accordance with the manufacturer’s suggested car maintenance schedule. If you are unsure when you last rotated your tires, your licensed repair facility can check your tires to be sure you are ready before you set off on any cold weather adventures.

Article Resource – https://www.tocowarranty.com/knowledge-center/car-maintenance-repair/cold-weather-care-for-tires

How a VSC from Toco Warranty Can Help Manage Your Budget

A car mechanic walking through the repair bill for a customer at a vehicle repair shop.

Let’s face it – most of us love our cars. They provide freedom, a way to get to work or school, to visit loved ones, or to take a much needed vacation. But cars can also keep us up at night, worried that a check engine light will lead to a costly repair that derails our budgets and gets our daily routines off track.

What is a vehicle service contract (VSC)?

Generally speaking, a vehicle service contract (VSC) is a contract for repair, or replacement for an operational or structural failure of a vehicle. VSCs can be used to protect not only the major components within your vehicle, like the engine and transmission, but also major parts within your air conditioning system, electrical system, and more. VSCs also may include roadside assistance, providing further peace of mind.

How can a VSC help me manage my budget and keep my car – and life – running well?

While the average family keeps their car for more than 10 years, the typical manufacturer’s warranty on a car lasts only three years. But when your warranty expires, you still need to rely on your car. For a low monthly payment, your VSC will pay for covered repairs* that inevitably come with owning a car, offering an affordable, reliable way to keep your car running well and your budget on track. Pricing for VSCs can vary based on the age, mileage, and/or model of the vehicle covered.

Your VSC will specify what repairs are and are not covered, whether a deductible is required, and other terms and conditions, so you can know what to expect, should your car break down. VSCs vary by provider, so you should ask questions to be sure the VSC you purchase covers what you need. For example, some VSCs have no down payment requirements or interest charges, so you can pay as you go and cancel at any time (though an administrative fee may apply).

Remember, your car may break down, but your life doesn’t have to. A vehicle service contract may provide you with the financial peace of mind you need to stay calm and drive on!

For more details about Toco Warranty feel free to visit: https://www.prnewswire.com/news-releases/toco-warranty-offers-vehicle-service-contract-online-with-no-down-payment-option-300370462.html

Article Source: https://www.tocowarranty.com/knowledge-center/service-contracts/how-a-vehicle-service-contract-can-help-you-manage-your-budget

 

5 Facts You Should Know About Vehicle Service Contract

Have you ever kept yourself awake at night worrying about how you would pay for a sudden, unexpected car repair?

Below are five facts about vehicle service contracts (VSCs) to help you decide if such a contract could help provide you with financial peace of mind and a good night’s sleep!

Click here to view the video

VSCs help people pay for unexpected car repairs, but not every repair is covered. You should read the contract carefully so that you understand what repairs are – and are not – covered, as well as your responsibilities, including car maintenance requirements, deductibles, and other terms.

VSC levels of coverage can vary based on the vehicle’s age and mileage. When you buy a new car, the manufacturer’s warranty typically lasts 3 years or 36,000 miles; however, the average car owner keeps their car for over 10 years. For an affordable monthly fee, you can purchase a VSC from Toco Warranty Corp. (Toco) to help minimize the financial burden of unexpected, covered repairs.

You do not have to pay up front fees for all VSCs. Many VSCs require pre-payment for the full cost of the contract. In contrast, Toco’s vehicle service contracts allow you to pay as you go, requiring a monthly fee with no down payment or up-front costs. An administrative fee may apply for cancellations. Decide what works best for you.

VSCs can be cancelled. Toco’s vehicle service contracts can be cancelled at any time, although an administrative fee may apply. Be sure you read your contract carefully to understand your cancellation terms.

VSCs are not the same as car insurance. VSCs offer coverage for repair of specified car parts as further outlined in the Terms and Conditions, but they do not cover collision repairs or routine maintenance services.

VSCs have helped thousands of people keep their cars – and their lives – on track and they may offer you financial peace of mind. But it is important to ask questions before you buy any auto repair protection plan, and read your contract carefully to understand all terms and conditions that may apply.

Article Resource – https://www.tocowarranty.com/knowledge-center/service-contracts/5-facts-you-should-know-about-vehicle-service-contracts

How to Prevent Long Term Injury From Driving

drivers

Learn how to help your favorite driver avoid repetitive driving injury.

Taking good care of your vehicle makes a lot of sense, especially as the weather turns colder and wetter and the days darken and get shorter. And most people do a pretty good job of basic maintenance, scoring on average a 76 out of 100 on performing routine maintenance items on time, according to the Toco Car Maintenance Survey and Index of 2015. Take good care of your car and your car will take good care of you.

But there’s another factor at play in helping to ensure safety: you, the driver. In something known as “Repetitive Driving Injury,” drivers can develop long term joint, muscle and spinal injuries simply because they do not properly adjust their posture. How well you take care of yourself in the car, by improving driver posture and comfort, is a factor in reducing driver stress and fatigue. Here are 5 basic tips to ensure better driver posture and comfort.

  1. Of course, your basic position must enable you to fully and clearly see the road, your mirrors and instruments.
  2. Adjust your seat bottom so that your knees are not much higher than your hips. The seat cushion should evenly support your entire thigh without pressure. Do not sit on your wallet.
  3. Move your seat forward or back so that you can completely depress the pedals without coming away from the seat back.
  4. Adjust the seat back so that you are reclined just slightly more than vertical, at an angle of 100-110 degrees.
  5. Minimize reach by bringing the steering wheel down and toward you, 18-24 inches from your chest, and relax your shoulder muscles by holding the wheel lower at the 9 and 3 o’clock position, rather than 10 and 2 o’clock.

Need some extra help here and there, or just want to get even more comfortable? There are a number of products available that are designed to help relieve stress and reduce pressure points: massaging heated seat cushions, lumbar back supports, memory foam seat cushions, arm rests and steering wheel covers.

To further protect yourself, take breaks every couple of hours to stretch. To further protect your peace of mind, a vehicle service contract can help ease the financial burden of unexpected covered car repair bills. For an affordable monthly fee, you can help keep your budget intact.

Article Resource – https://www.tocowarranty.com/resources/knowledge-center/car-safety/tips-and-gift-ideas-for-the-health-and-safety-of-your-favorite-drivers

How a VSC from Toco Warranty Can Help Manage Your Budget

Toco Warranty Can Help Manage Your Budget

If you are worried about unforeseen auto repairs, a vehicle service contract may offer a smart solution to protect your car and your finances.

Let’s face it – most of us love our cars. They provide freedom, a way to get to work or school, to visit loved ones, or to take a much needed vacation. But cars can also keep us up at night, worried that a check engine light will lead to a costly repair that derails our budgets and gets our daily routines off track.

What is a vehicle service contract (VSC)?

Generally speaking, a vehicle service contract (VSC) is a contract for repair, or replacement for an operational or structural failure of a vehicle. VSCs can be used to protect not only the major components within your vehicle, like the engine and transmission, but also major parts within your air conditioning system, electrical system, and more. VSCs also may include roadside assistance, providing further peace of mind.

How can a VSC help me manage my budget and keep my car – and life – running well?

While the average family keeps their car for more than 10 years, the typical manufacturer’s warranty on a car lasts only three years. But when your warranty expires, you still need to rely on your car. For a low monthly payment, your VSC will pay for covered repairs* that inevitably come with owning a car, offering an affordable, reliable way to keep your car running well and your budget on track. Pricing for VSCs can vary based on the age, mileage, and/or model of the vehicle covered.

Your VSC will specify what repairs are and are not covered, whether a deductible is required, and other terms and conditions, so you can know what to expect, should your car break down. VSCs vary by provider, so you should ask questions to be sure the VSC you purchase covers what you need. For example, some VSCs have no down payment requirements or interest charges, so you can pay as you go and cancel at any time (though an administrative fee may apply).

Remember, your car may break down, but your life doesn’t have to. A vehicle service contract may provide you with the financial peace of mind you need to stay calm and drive on!

*Be sure to check terms and conditions for complete details.

Article Resource – https://www.tocowarranty.com/resources/knowledge-center/service-contracts/how-a-vehicle-service-contract-can-help-you-manage-your-budget

Tire Rotation Basics: Patterns, Frequency & Cost

tire-rotation-tips-707x239

Learn about the importance of tire rotation and how to make it a part of your regular car maintenance schedule.

If you care about safety and saving money, regular tire maintenance and rotation should be high on your to-do list. Proper tire rotation and inflation can extend the life of your tires, lead to better fuel economy and improve the safety and handling of your car.

Unfortunately, tire rotation is an often-overlooked part of a regular car maintenance schedule – which is odd, considering that your tires are the only parts of the car that actually touch the road (hopefully).

While it may not be as easy to remember as getting your oil changed or checking your fluid levels, being vigilant about rotating your tires can have significant benefits down the road (pun intended). Luckily, rotating your tires is one of the easiest maintenance tasks to perform.

Why Rotate Your Tires

As you drive, your tires tend to wear out unevenly. Since your front tires lean when you take a corner, the outside edges usually wear out quicker than the edges of your back tires. Over time this can lead to significant differences in the amount of wear they receive.

By rotating your tires on a regular basis, you help to evenly distribute the wear and tear between all four tires rather than just the front two. This can extend the life of your tires significantly, which means you won’t have to buy new tires as often.

Safety

There are close to 11,000 tire-related vehicle crashes in the U.S. each year. According to the U.S. Department of Transportation, many of those accidents could have been prevented with proper tire maintenance (which includes regular tire rotations). When tires are underinflated or the tread has worn down, the likelihood of a crash increases significantly.

When getting your tires rotated, your technician will likely take a look at your tread depth and inflation pressure as well as inspect your tires for potential problems.

Fuel Efficiency

Uneven tire wear can lead to lower performance, which can reduce fuel efficiency by up to 3 percent. That extra 3 percent can add up quickly when it comes to filling up at the pump. By improving your fuel economy, proper tire rotation and inflation can also lower the amount of greenhouse gases that are emitted.

Handling

If your tires are unevenly worn out, sudden turns and stops can become more unpredictable. When tires are rotated and balanced properly, it can mean more balanced handling and traction, which is especially important when driving in slick, cold-weather conditions.

How Often to Rotate Tires

A good rule of thumb would be to rotate tires every 5,000 to 8,000 miles. But since every vehicle is different, make sure to check your owner’s manual for specific recommendations on how often you should be rotating your tires. In some cases, such as when your front and rear tires are different sizes, you may not be able to rotate your tires at all.

Tire Rotation Patterns

If you’re going to rotate your tires yourself, or just want to understand how tires get rotated to minimize wear, you’ll want to identify the proper tire rotation pattern for your vehicle. The pattern you choose will depend on a number of factors, including your car’s drivetrain type, wheel sizes and even the amount of tires on your vehicle.

Here are some of the most common tire rotation patterns.

FWD, AWD, RWD and 4X4 Tire Rotation Patterns

If your car has non-directional tires that are all the same size, you should use one of the following rotation patterns.

tire-rotation-pattern-illustration-4-wheel-rear-drive-vehicles.jpg

Front-to-Rear and Side-to-Side Patterns

For cars that have directional tires or non-directional tires of different sizes, the following patterns are advised.

tire-rotation-pattern-illustration-same-size-directional-wheels

5 Tire Rotation Pattern

If your car has a spare wheel that matches the other four wheels on your car (and isn’t just for temporary use), then you can consider adding your spare tire into the rotation. The following patterns are designed for this type of rotation.

tire-rotation-pattern-illustration-front-rear-wheel-drive-with-spare.jpg

Where to Get Your Tires Rotated

If you aren’t inclined or equipped to rotate your tires yourself, you can always have it done by a trained tire technician. Most auto repair, service and maintenance facilities offer tire rotation, either as a standalone service or bundled with another regular maintenance item such as an oil change or tire balancing.

If you take your vehicle to a dealership for regular maintenance, tire rotation and alignment are likely to be part of your normal service, although you should always make sure to verify if it’s included.

Some tire shops will offer free tire rotation for customers who bought their tires there, so if you’re on your second set of tires you might want to check with where you bought them to see if they offer that service.

How Much Does Tire Rotation Cost

As mentioned above, the cost of rotating your tires can vary widely depending on where you’re having the service done and whether or not it’s being bundled with another service. In general, you shouldn’t expect to pay more than $50 for tire rotation, although you can probably find a lower price if you shop around.

Conclusion

Like a good pair of shoes, a well cared-for set of tires can give you the stability and comfort you need to keep going. From saving money to increasing safety to helping the environment, the benefits of having your tires rotated and maintained well are many.

Whether you decide to rotate your tires yourself or have it done at a local service shop, the key is to try and make it a regular part of your overall car maintenance schedule. Because when the rubber hits the road, you want the peace of mind that comes from knowing your tires are ready to roll.

Article Resource – https://www.tocowarranty.com/resources/knowledge-center/car-maintenance-repair/tire-rotation-basics-patterns-frequency-cost