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.”

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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.

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How to Care for Your Tires During Cold Weather


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.

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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:

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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!

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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.

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