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Why Buy a Toyota Extended Warranty?

The Toyota name comes with recognition. Toyota drivers can rest assured that they’re driving one of the most reliable, trusted brands on the road today. But even the best vehicles will eventually break down with age and mileage. Unfortunately, this often happens after your Toyota’s factory warranty has expired. With an extended warranty from a third-party supplier like CARCHEX, you can save thousands on what would be expensive trips to the repair shop.

Read on to learn how to find the best Toyota extended warranty and the key things to think about before you buy.

How to Get the Best Extended Warranty for Your Toyota

Buying a Toyota means you’re driving a car, truck, or SUV from one of the most trusted vehicle manufacturers worldwide. While Toyota is known for superior performance, safety, and lasting power, even the best vehicle needs repairs and servicing in their lifetime.

You may want extended coverage sooner rather than later. Toyota’s new car warranty only lasts for three years or 36,000 months. Rust-through and powertrain coverage lasts a little longer at five years or 60,000 miles. Since Toyotas are known of reliability, it’s likely you want to keep your Toyota longer than that.

Once your Toyota manufacturer’s warranty expires, having an extended warranty in place means you’ll save money and have the comfort of coverage while driving.

Choosing from Toyota Extended Warranty Coverage

When it comes to selecting an extended warranty plan for your Toyota, you can primarily choose from two different options: one of Toyota’s extended warranties or an extended warranty supplied by a third-party provider, like CARCHEX.

Toyota Extended Warranties

Known as Vehicle Service Agreements, manufacturer extended warranties from Toyota come in three tiers, depending on your car’s age and mileage.

Platinum Protection

The Platinum Toyota Care extended warranty provides coverage for your vehicle in different increments up to 10 years/125,000 miles. Toyota recommends you consider this coverage if your vehicle is less than three years old and has fewer than 36,000 total vehicle miles. If your Toyota is used, term lengths aren’t as generous and max out at five years/60,000 miles.

The plan comes with unlimited towing to the nearest Toyota dealership. You’ll also be reimbursed up to $50 a day for rental cars in the event of a mechanical issue with your car. If you’re more than 150 miles from home and experience a mechanical error, Toyota will pay up to $100 per day for your meals and lodging. However, this is limited to $500 over the life of your agreement.

Like many manufacturer plans, the Platinum Extended Warranty may be transferable in the event of selling your vehicle.

Gold Protection

The Gold Toyota Care extended warranty also provides coverage to your vehicle in different increments up to eight years/125,000 miles. Similarly, Toyota recommends considering this coverage if your vehicle is less than three years old and has fewer than 36,000 total miles. Used Toyotas can only be covered up to five years/60,000 miles.

The plan comes with a towing reimbursement, and you’ll be reimbursed up to $35 a day (up to five days) for rental cars in the event of a mechanical issue with your car. If you’re more than 150 miles from home and your car breaks down, Toyota will pay up to $50 for your meals and lodging (up to four days).

Like the Platinum plan, the Gold Extended Warranty may be transferable if you decide to sell your car.

Powertrain Protection

The Powertrain Toyota Care extended warranty also provides coverage for six years/100,000 miles. Toyota recommends considering the powertrain extended warranty coverage if your vehicle is less than three years old and has fewer than 36,000 total miles. A used Toyota can be covered up to two years or 24,000 miles.

The plan comes with towing reimbursement, and you’ll be reimbursed up to $35 a day (up to five days) for rental cars. If your car breaks down more than 150 miles from home, Toyota pays up to $50 for your meals and lodging (up to four days).

Like the other plans, this Toyota powertrain warranty may be transferable if you decide to sell your car.

What Isn’t Covered by a Toyota Care Extended Warranty

While the Toyota extended warranties offer protection for your aging Toyota, the plans do not cover everything.

Here are some parts of your Toyota that will not be covered by the Toyota extended warranty plans:

  • Batteries
  • Accessory drive belts
  • Clutch friction disc and pressure plate
  • Body panels
  • Rotors and drums
  • Brake linings
  • Pads and shoes
  • Chrome
  • Bumpers
  • Carpet
  • Filters
  • Fluids
  • Dash cover and pad
  • Door fabric
  • Door trim
  • Glass (windshields)
  • Hybrid vehicle battery pack
  • Spark plugs
  • Tires

Cover the Costs of Repairs With Extended Toyota Warranties

Toyota is king of the road and continues to rank in the top three on Consumer Reports, but certain models are prone to defects, service issues, and reliability issues that potentially need to be addressed. In a single visit to your mechanic, one issue could cost you thousands of dollars. Can you afford that?

Can You Afford To Pay These Repair Costs?

Common problems facing Toyota owners include:

  • Excessive oil consumption trending across multiple models
  • Takata airbag recall
  • Camry unintended acceleration
  • Prius headlight failure and brake issues
  • 2001-2003 RAV4 ECM and transmission failure issues

More specifically, here are costs 2012 Toyota Camry drivers most frequently pay for repairs, according to RepairPal.

Repair Cost
Brake pad replacement $249–$377
Resurface rotors $229–$337
Brake rotor replacement $309–$490
Spark plug replacement $234–$304
Ignition coil replacement $405–$979

CARCHEX Has a Plan for You

Do these expenses make your heart race? Don’t worry—there’s no reason to panic. An extended warranty plan could save you money on expensive repairs, parts, and labor while covering the full cost of these defective problems.

Drivers of new, used, and certified pre-owned Toyotas can benefit from an additional 10 years of protection with a CARCHEX Extended Vehicle Protection Plan. In fact, the average monthly cost of extended Toyota protection from CARCHEX is just $56.*

Here’s a look at the five levels of coverage available from CARCHEX. We offer many protection plans within these five levels, so you can further customize your coverage to get the extended warranty you need.

CARCHEX Vehicle Protection Plans
  • Titanium Coverage—Our bumper-to-bumper plan, covering most of your Toyota, with a few exceptions
  • Platinum Coverage—Our highest level of stated-component coverage you can buy
  • Gold Coverage—Our plan that’s perfect for vehicles with high mileage, covering all major systems of the vehicle
  • Silver Coverage—Our plan that gives essential coverage to your vehicle’s major systems
  • Bronze Coverage—Our plan that protects you from expensive engine and transmission repairs

Choosing a Third-Party Extended Warranty

While Toyota Vehicle Service Agreements may seem appealing, know there are other options available that put more power in your hands through a third-party provider. When you purchase coverage from a third-party provider like CARCHEX, you gain the following:

  • No Interest: When you buy extended warranty coverage from a third-party warranty provider, you are buying a separate product. If you were to purchase a Vehicle Service Agreement from Toyota and had an auto loan, Toyota may roll the warranty price into your car purchase, so you end up paying interest on it. At CARCHEX, we believe in low monthly payments with no interest attached.
  • Flexibility: With a CARCHEX policy, you won’t have to take your vehicle to the Toyota dealer for repairs and be limited to using their parts. You can choose from our network of more than 30,000 mechanics.
  • Custom Plans: Get the coverage you need, not just the coverage we’re trying to sell. With 21 contracts and optional add-ons, you can customize your coverage, even if your Toyota is a hybrid or electric vehicle.

Select CARCHEX to Provide Your Extended Warranty

Choosing to go third-party when it comes to your Toyota extended warranty is a good choice, and it gives you options beyond what the dealership offers. However, not all of these options are the same. See how CARCHEX stacks up against the competition:

As you can see, CARCHEX is the smartest choice when it comes to third-party vehicle extended warranties.

  • CARCHEX has over 20 years of experience in the warranty business. That’s more than most of the competition!
  • We score a 10.0 on ThoroughlyReviewed.
  • Better Business Bureau gives CARCHEX an A+ for customer satisfaction.
  • CARCHEX has trusted partners and endorsements throughout the industry, including Edmunds, Kelley Blue Book, CARFAX, and MotorWeek’s Pat Goss.

Different third-party extended warranty suppliers provide different benefits. At CARCHEX, our vehicle service agreements cover these basic benefits:

  • Affordable Payment Options—Save money through our flexible, low monthly payment plans. What’s more, we offer a No-Haggle, Low-Price Everyday Guarantee™, so you don’t have to fight for savings.
  • Your Choice of Repair Shop—You won’t have to use a Toyota dealer to get your car fixed unless that’s your preference.
  • 30-Day Money Back Guarantee—Was your extended warranty not what you expected? We promise to give you your money back.
  • Extended Warranty Extras—Going with CARCHEX comes with services that provide peace of mind, like free roadside assistance, rental car, gas delivery, towing, and travel protection trip interruption benefits.
  • Claims Paid Directly to the Repair Facility—You won’t have to be the middleman with the check.

Protect Your Toyota with a Warranty Today

Find a protection plan to fit your budget the easy way with CARCHEX. Our dedicated team of specialists can match a personalized plan to any Toyota model and year for complete coverage of your car, truck, hybrid, or SUV.

At CARCHEX, we’ve spent every one of our 20+ years in business dedicated to “Customer Service Above All.” With an 99.9% customer service rating from the Better Business Bureau, our auto warranty company can help you cover the cost of car repairs and much more.

Call 866-261-3457 today for your free Toyota extended warranty quote. Not sure about which plan is right for you? One of our friendly CARCHEX representatives is willing to help.


*Figure accurate as of May 2017. Average monthly coverage cost is based on the average total price of the Vehicle Protection Plan over a four year coverage period. Actual monthly payments will vary per plan’s payment policy. Individual pricing is subject to change based on the combination of make, model, year, and mileage as well as coverage level and term length.


Design News: https://www.designnews.com/electronics-test/toyota-continues-reliability-dominance-honda-declines/158171123260385

Toyota: https://www.toyotafinancial.com/us/en/vehicle_protection_plan/vehicle_service_agreements.html

Consumer Reports: https://www.consumerreports.org/car-reliability-owner-satisfaction/who-makes-the-most-reliable-cars/

RepairPal: https://repairpal.com/toyota

Toyota Problems: http://www.toyotaproblems.com/models/

Toyota Problems: http://www.toyotaproblems.com/Camry/

RepairPal: https://repairpal.com/cars/toyota/camry/2012?trk_loc=nav

RepairPal: https://repairpal.com/estimator/toyota/camry/brake-pad-replacement-cost

RepairPal: https://repairpal.com/estimator/toyota/camry/resurface-rotors-cost

RepairPal: https://repairpal.com/estimator/toyota/camry/brake-rotor-replacement-cost

RepairPal: https://repairpal.com/estimator/toyota/camry/spark-plug-replacement-cost

RepairPal: https://repairpal.com/estimator/toyota/camry/ignition-coil-replacement-cost

Toyota: http://www.toyota.com/owners/resources/owners-manuals

Thoroughly Reviewed: https://thoroughlyreviewed.com/car-warranty/carchex-reviews/

Better Business Bureau: http://www.bbb.org/greater-maryland/business-reviews/extended-warranty-contract-service-companies/carchex-in-hunt-valley-md-23015869

CARCHEX 118 Shawan Road, Suite 210 Baltimore, MD 21030 (FL License # E155490)

© 2018 Carchex. All rights reserved.

We proudly offer the CARCHEX No-Haggle, Lowest Price Everyday Guarantee™ for all of our auto warranty and car inspection programs.
Consistent with consumers’ understandings and expectations of the market in which CARCHEX operates, CARCHEX uses the terms “warranty”; “extended warranty”, “extended auto warranty”, “extended service protection plan” and similar terms to describe the more technical term “vehicle service contracts”. For more information, see this FTC link or learn more here or by reviewing CARCHEX’s website.
CARCHEX markets and sells extended warranties on behalf of third party extended warranty providers, and your extended warranty will be between you and the provider. This website site is intended solely for the purpose of providing general information regarding the purchase of extended warranties. Specific contract terms, rates, taxes, fees and other charges are determined upon validation of vehicle information and acceptance by the extended warranty provider, for which CARCHEX is not responsible. Extended warranties may not be sold where prohibited by law.
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