Key Features of Toggle Car Insurance

Toggle, a Farmers subsidiary, is known for its highly customizable and digitally-focused car insurance policies. The service is designed for users who want to easily manage and adjust their coverage online.

Customization and digital convenience

• Fully customizable policies: Toggle allows you to select and modify your coverage options, limits, and deductibles online in real-time. This means you can adjust your premium as you go and get instant feedback on the pricing.
• Rapid online quoting: The process of getting a quote is streamlined and can be completed in minutes. Toggle auto-populates information like your driving history and vehicle details after you enter your basic information.
• Online policy management: You can manage nearly all aspects of your policy and file claims directly through the online portal, with changes taking effect immediately.
• Online claims filing: Claims can be submitted directly through your online account, with the company aiming to provide quick processing.

Coverage options
Toggle provides standard and various specialized coverage options, with availability potentially varying by state. Standard options include liability, collision, and comprehensive, uninsured/underinsured motorist, medical payments, and roadside assistance. Specialized options include "Side Hustle" coverage for ridesharing, "Temporary Ride" for rental cars during repairs, "Pet Passenger" for vet bills from accidents, "Original Parts Replacement" for OEM parts, Gap Insurance, and New Car Replacement. Get more information on Toggle Car Insurance Review.

Discounts
Depending on the state, Toggle offers various discounts such as bundling auto and renters insurance, a homeowner discount, safe driver rewards, a good student discount, and a discount for vehicles with automatic emergency braking.

Considerations
Potential customers should consider that some reports suggest Toggle's average rates may be higher than the national average. Additionally, online reviews mention potential difficulties in reaching live customer service representatives and some negative experiences with claims adjusters. Toggle is also not available in all states, and as of mid-2024, it does not have a dedicated mobile app, although a mobile-friendly website is available.​