Toyota Extended Warranty Review

February 4, 2021

Toyota is known for producing extraordinarily reliable vehicles that will last a lifetime. Even with that reputation, if you’re especially risk averse, there can be good reason to purchase an extended warranty on a Toyota vehicle. A Toyota extended warranty will provide years of peace of mind beyond the original manufacturer’s new car warranty, and for that reason we think they are worth considering. Learn more in our Toyota extended warranty review.

We’re going to dive into the Toyota extended warranty program. We’ll be going over the different levels of coverage, certified pre-owned options, and make our ultimate recommendations.

The Highlights:

  1. We do recommend the Toyota extended protection plans due to the ability to tailor your plan to suit your individual needs
  2. Toyota offers one plan for certified pre-owned vehicles, and three plans for new and used vehicles
  3. All levels of plans include benefits such as roadside assistance
  4. Repairs must be completed at a Toyota dealership

Is It Worth Getting a Toyota Extended Warranty?

Before we directly state whether or not it’s worth getting a Toyota extended warranty, we first need to examine what’s included in the warranty program.

There are three tiers of plans available to new and used Toyotas:

  1. Powertrain Protection. As the base-level program, this plan provides coverage for the core systems of your vehicle, such as the engine, transmission, and drivetrain.
  2. Gold Protection. This plan provides excellent coverage for most of the systems in your Toyota. It adds to the coverage of the Powertrain Protection plan.
  3. Platinum Protection. The highest tier plan covers almost everything in your vehicle, including what’s covered in the above two plans.

To see an extensive list of what’s covered by each plan, we recommend taking a look at the website Toyota put together to explain plan coverage.

New vehicles are eligible for a Toyota extended protection plan within the first three years and 36,000 miles, whichever comes first.

Used vehicles are eligible for a Toyota extended warranty as long as they are within nine prior model years and have fewer than 150,000 miles. Take note that the extended warranty for used cars must be purchased when the car is sold.

Toyota also offers a single plan for their certified pre-owned cars, which they call Toyota Certified Used Vehicles. The plan for CPO vehicles is:

●      Toyota Certified Protection. This single plan for CPO vehicles covers most components in your vehicle. In order to be eligible for this plan, the car must be within six model years and be under 85,000 miles. You can buy the certified pre-owned plan at any point within the first 12 months or 12,000 miles.

New and used vehicles have a $0 or $100 deductible, which you’ll select when you set up the plan. The $100 deductible is waived if you have repairs completed at the same facility that sold you the car.

Toyota also includes a few useful benefits:

  1. Rental car coverage for covered repairs, up to $50 per day for up to five days
  2. 24/7 roadside assistance, with coverage for flat tires, fuel delivery, battery jump starts, and towing to a Toyota dealership
  3. Trip interruption coverage, providing for $100 per day for lodging and food if a breakdown happens when you’re more than 150 miles away from home

All Toyota vehicle service contracts can be transferred to a new party at any time with no fee. We appreciate this policy as it increases your resale value.

We aren’t discussing the prices of any of these plans in our Toyota extended warranty review because prices are based on VIN and mileage, as we mentioned in an earlier post. You’ll need to obtain a quote to see what the extended warranty will cost you. To get a quote you can contact your local Toyota dealership. Please remember that dealerships typically markup these products 200-300%, and you can (and should) negotiate with them on the price.

Is the Toyota extended warranty worth it? It’s an extremely comprehensive program with flexible coverage that you can tailor to fit your needs. We think it’s worth asking for a quote and comparing it to other options (like what we have to offer here at YAA). If the price is right, it might be the way to go.

Toyota Factory Extended Warranty vs. Third-Party Extended Warranty

Most third-party extended warranty providers do their best to copy the coverage made available by car manufacturers. This is done to stay competitive. While there may be slight differences in component coverage, they will mostly be the same.

However, one thing will be dramatically different: your repair options. With a Toyota extended warranty, your car must be repaired at a Toyota dealership. With a third-party extended warranty, you have your choice of any auto shop that is licensed by ASE or AAA, which includes any and all Toyota dealerships.

Toyota Factory Extended Warranty from YAA

After months of interviewing different administrators, we decided to partner with AUL corporation to sell their Toyota extended warranties. For YAA members only we are able to offer transparent pricing, and complimentary consultation calls to determine if buying a Toyota extended warranty makes sense for you.

If you are considering getting extended protection on your Toyota we highly recommend you get a free quote from YAA that you can use to negotiate with the dealership. And, if you do buy from YAA you can know that you purchased a third party Toyota extended warranty that has been vetted by us.

What is Covered Under a Pre-Owned Toyota Extended Warranty?

All Toyota certified pre-owned vehicles are eligible for a unique vehicle service contract, which we discussed above. The coverage under this program is similar to the warranty that comes with a certified pre-owned vehicle. We appreciate how there is no deductible for repairs.

Do We Recommend a Toyota Vehicle Service Contract?

What’s the final decision from our Toyota extended warranty review? We do recommend the Toyota vehicle service contract. There is a wide selection of programs made available, with specific coverage for used and certified pre-owned vehicles. We think it’s worth getting a quote from Toyota if your vehicle is still eligible for any of their warranties.

If you’d like another option, we offer vehicle service contracts through our third-party partner. They have clear coverage and upfront pricing for all of their VSCs. We’ll even get on the phone with you for a consultation call to help you pick the best warranty for you, even if it’s not ours. Get in touch with us today to request a quote and schedule your call.

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