Toggle Car Insurance Review 2024: Pros and Cons

Toggle Car Insurance Review 2023
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    Toggle is an online company that sells a range of insurance products. Before now, the company’s primary focus was on renters insurance. However, auto insurance has now been added to the company’s insurance product lineup.

    Finding the right car insurance coverage can be a little bit difficult that’s why Toggle gives you flexible coverage; one that you can customize to fit your unique needs and budget. Also, getting car insurance usually takes time but with Toggle you can get one in minutes.

    Here’s a quick review of Toggle car insurance, some drawbacks in their service, and all you need to know about their car insurance.

    About Toggle Insurance

    Toggle was founded in 2018 and is backed by the Farmers, a popular American insurance company. Based in California, the Toggle currently underwrites auto, renters, and home insurance in more than 26 states.

    However, its car insurance coverage is only available in just 9 U.S. states.

    Also check: Car Insurance Lawyer For Accident Claims| Find One Near You

    Availability

    Unlike its renters’ insurance coverage that covers a bunch of states, Toggle auto insurance coverage is only available in Arizona, Illinois, California, Ohio, Missouri, South Carolina, Texas, and Tennessee.

    Toggle car insurance coverage

    Toggle auto insurance coverage includes:

    • Bodily injury liability
    • Rideshare
    • Property damage liability
    • Personal injury protection
    • Uninsured/Underinsured Motorist coverage
    • New car replacement
    • Uninsured motorist bodily injury liability
    • Medical payments
    • Comprehensive and Collision coverage
    • Side hustle coverage: With Toggle On Side Hustle┬« Auto you can get extra coverage for you and your car while you work. If you use your car for rideshare or food delivery the company may have limits on what they cover for you. Toggle Rideshare coverage can offer you the coverage you solely need for your work. But According to ValuePenguin, this is only available if you earn $25,000 or less per year for rideshare work.
    • Medical coverage: Toggle medical coverage can pay for your medical and funeral expenses suffered by an insured person on your policy from an accident regardless of who is at fault and can pay up to the limit you selected.
    • Bodily injury liability coverage: Imagine you’re driving, and you accidentally rear-ended another car at a stoplight. The driver of the other car gets a bit banged up and needs medical attention. Toggle bodily injury liability can help you cover their medical bills and any related expenses that you may be obligated to pay.
    • Roadside assistance: You’re stuck on the side of the road, and not sure of what to do? Toggle 24\7 roadside assistance can help tow your car to a repair shop, a locksmith if you lock your keys inside, or change flat tires. You can get cover for up to three emergencies every six months.

    Discounts

    Toggle does not publicly release any policy discounts. Like some other insurance providers, having multiple Toggle policies (auto and renter), or being accident/claims-free can qualify you for a discount.

    Also check: Why is AAA Insurance So Expensive? Here Are 8 Reasons

    Can drivers get Financial Responsibility Filings or SR-22s?

    Unfortunately, Toggle currently does not file SR-22s or any other kind of Financial Responsibility Filing for drivers in any state. But, you can get one through Bristol West Insurance Group, a Toggle-affiliated company.

    Consumer complaints

    Overall, Toggle has witnessed mixed reviews. Data obtained from the Association of Insurance Commissioners (NAIC) shows that the company has few complaints.

    At the same time, some users have criticized some services of the company like its claims process even though the company boasts of having the best claims process and service.

    Pros and Cons of Toggle auto insurance

    Pros:

    • Quick online quotes: Toggles has an upper hand in issuing quick and flexible online quotes.
    • Flexible Customizable coverage: If you need to customize your coverage to fit your low budget, Toggle can help you achieve that.
    • Coverage: Toggle’s extended coverage support can help you get the peace of mind you want on your side hustle with its Toggle On Side Hustle┬« Auto.

    Cons:

    • Slow claims process: Toggle has been reported to have an inconsistent claims process.
    • Not available in all states: Toggle car insurance is unavailable in some states. So If you reside outside the covered states, you won’t be able to access their auto insurance policy.
    • No mobile app: The company does not have a mobile app, regardless, their mobile-friendly website is enough to cater for your needs.

    Also check: 7 Best Landlord Insurance In Florida

    Cost of Toggle car insurance

    Toggle does not publicly release the actual cost of its auto insurance policy. The cost will be influenced by your coverage needs and the state you live in. However, you can expect to pay an average of $1,200 per year if you have a clean driving record.

    How to sign up for Toggle car insurance

    Enrollment via their website is fast and easy. Visit the Toggle website to get started or call
    1-855-864-1530 to speak with an agent.

    Frequently Asked Questions (FAQs)

    How many drivers and vehicles can I include on my auto insurance policy?

    Policyholders can add up to 8 drivers and 8 vehicles on their Toggle auto insurance policy.

    Is Toggle car insurance good?

    Backed by Farmers, who have been in business since 1928, you can expect to get quality service from their 90+ years of experience.

    If I rent a car, will my policy cover me?

    Yes, Your Toggle auto policy will provide full insurance coverage if you get an accident in a car that you have rented for a period of less than 30 days. Keep in mind that this will be thoroughly reviewed.

    Can I add someone else to my Toggle auto insurance policy?

    Yes, you can add additional drivers to your car insurance policy, such as family members or household residents who are 15 years of age or older and have a valid and active driver’s license.

    If I drive for a ridesharing company like Uber or Lyft, will my policy cover me?

    Yes, but you must inform Toggle about this when obtaining a quote and consider getting their extra Rideshare Side Hustle Auto Coverage.

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