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Coverage Compared
CarShield vs Toco: what each one prints
CarShield and Toco side by side on every scored field, with the source under each cell and the rows that differ marked. No winner is named.
Facts read 2026-10-16
Leaving out name and address rows, the two sheets differ on 11 of 26 rows: Role, as the company describes itself; Deductible options printed; $0 deductible option; Sample contract online, no contact details asked; Price online without a phone call; Deductible and waiting period both printed; Nevada roster; Legal entity printed on its site; Obligor named; Government actions, last five years; Rubric score.
CarShield blocked automated reads on the pull date; fields that depend on that site print as not published.
| Field | CarShield | Toco |
|---|---|---|
| Role, as the company describes itselfCarShield: not published. Toco: seller. | not published | sellersource: https://www.tocowarranty.com/faq |
| Legal entityCarShield: not published. Toco: Verdoro LLC. | not published | Verdoro LLCsource: https://www.tocowarranty.com/faq |
| HeadquartersCarShield: not published. Toco: not published. | not published | not published |
| Money-back periodCarShield: not published. Toco: not published. | not published | not published |
| Waiting periodCarShield: not published. Toco: not published. | not published | not published |
| Lowest deductible printedCarShield: not published. Toco: not published. | not published | not published |
| Deductible options printedCarShield: not published. Toco: $100 if no deductible is noted on the registration page (vehicle). | not published | $100 if no deductible is noted on the registration page (vehicle)source: https://www.tocowarranty.com/faq |
| $0 deductible optionCarShield: not published. Toco: No (not found on the pages read). | not published | No (not found on the pages read)source: not recorded in the provider file |
| Sample contract online, no contact details askedCarShield: not published. Toco: No (not found on the pages read). | not published | No (not found on the pages read)source: not recorded in the provider file |
| Price online without a phone callCarShield: not published. Toco: Yes. | not published | Yessource: https://www.tocowarranty.com/ |
| Deductible and waiting period both printedCarShield: not published. Toco: No (not found on the pages read). | not published | No (not found on the pages read)source: not recorded in the provider file |
| Vehicle age limit at purchaseCarShield: not published. Toco: not published. | not published | not published |
| Mileage limit at purchaseCarShield: not published. Toco: not published. | not published | not published |
| Accepts vehicles past 100,000 milesCarShield: not published. Toco: not published. | not published | not published |
| Transferable to a new ownerCarShield: not published. Toco: not published. | not published | not published |
| Refund of unused share after coverage startsCarShield: not published. Toco: not published. | not published | not published |
| Sold in CA, NY, WA, MA, FLCarShield: not published. Toco: not published. | not published | not published |
| States excludedCarShield: not published. Toco: not published. | not published | not published |
| Texas rosterCarShield: Listed. Toco: Listed. | Listedsource: https://data.texas.gov/resource/7358-krk7.json | Listedsource: https://data.texas.gov/resource/7358-krk7.json |
| Minnesota rosterCarShield: Listed. Toco: Listed. | Listedsource: https://mn.gov/commerce/licensing/license-lookup/ | Listedsource: https://mn.gov/commerce/licensing/license-lookup/ |
| New York rosterCarShield: Listed. Toco: Listed. | Listedsource: https://myportal.dfs.ny.gov/web/guest-applications/service-contract-providers | Listedsource: https://myportal.dfs.ny.gov/web/guest-applications/service-contract-providers |
| Nevada rosterCarShield: Selling name not found on the roster. Toco: Listed. | Selling name not found on the rostersource: https://doi.nv.gov/Consumers/Service_Contract_Provider_Contact_Map | Listedsource: https://doi.nv.gov/Consumers/Service_Contract_Provider_Contact_Map |
| Legal entity printed on its siteCarShield: not published. Toco: Yes. | not published | Yessource: https://www.tocowarranty.com/faq |
| Obligor namedCarShield: not published. Toco: Not named on the pages read. | not published | Not named on the pages readsource: not recorded in the provider file |
| Backing insurer namedCarShield: not published. Toco: not published. | not published | not published |
| Founding year on its own siteCarShield: not published. Toco: not published. | not published | not published |
| Government actions, last five yearsCarShield: 1 on .gov pages. Toco: None found on .gov pages. | 1 on .gov pages
| None found on .gov pagessource: not recorded in the provider file |
| Rubric scoreCarShield: 14 of 100 (A 0, B 0, C 9, D 5). Toco: 37 of 100 (A 10, B 0, C 17, D 10). | 14 of 100 (A 0, B 0, C 9, D 5) | 37 of 100 (A 10, B 0, C 17, D 10) |
Full sheets: CarShield and Toco. Orange rows are rows where the printed values differ, or where one company prints a value and the other does not. Price, claims handling and service are not compared because no public source measures them evenly. How the score works.