Toggle has higher-than-average rates and policies that are easy to understand. But is this new company living up to the hype, or are they still working out some problems?
Bottom Line: Toggle is a great choice for modern consumers who want full control over their coverage options and the freedom to change their policies at any time. On the other hand, the customer experience has significant drawbacks, especially with customer service.
Toggle Insurance is a technology-forward newcomer to the insurance industry that promises policies that are anything but one-size-fits-all. Toggle, which is owned by Farmers, lets you make changes to your car insurance policy whenever you need to, which could help you save a lot of money on your monthly premium. More than likely, you can get a quote, buy, and take care of your policy online in less than a minute.
But it doesn’t have all its features up and running. There’s currently no mobile app (though one is in the works, according to the company’s website). Instead, you can access your account through its mobile-friendly website. It’s also not clear if Toggle has taken on the same problems since it took on policies from 21st Century Insurance, which is another Farmers subsidiary.
Finding the right car insurance can be a headache Companies boast about low rates and great coverage, but it’s hard to know who actually delivers One insurer that often comes up in searches is Toggle. But is Toggle car insurance a good choice for your needs? Here’s what drivers should know about Toggle’s coverage options, costs, customer service, and more to decide if it’s the right provider for you.
Overview of Toggle Car Insurance
Toggle is an online division of Farmers Insurance which has over 90 years of experience in the insurance industry. Toggle offers affordable policies starting at just $25 per month. Policy options include
- Liability coverage
- Comprehensive and collision
- Medical payments
- Uninsured/underinsured motorist
- Roadside assistance
- Rental reimbursement
Drivers can also add rideshare coverage and accident forgiveness to policies. Toggle sells directly to consumers online and over the phone.
Checking Toggle’s Financial Strength
An important factor in choosing an insurer is checking their financial strength rating. This rating evaluates their ability to pay out claims. Toggle is backed by Farmers Insurance, which holds an “A” (Excellent) rating from A.M. Best. This means the company has a strong ability to meet obligations to policyholders.
Comparing Toggle’s Auto Insurance Rates
Cost is often the biggest factor for drivers when selecting an insurer. Toggle aims to offer competitive rates tailored to each driver’s risk profile and location. They provide free quotes online and over the phone.
To check if Toggle offers affordable rates for your situation, it helps to compare their average premium costs below to other top insurers:
- Toggle: $115 per month
- State Farm: $160 per month
- GEICO: $150 per month
- Allstate: $135 per month
- Progressive: $125 per month
Toggle’s average monthly premium of $115 comes in lower than many top national competitors. However, make sure to get a custom Toggle quote for your driver profile and location to see potential savings.
Evaluating Toggle’s Coverages and Discounts
In addition to competitive base rates, Toggle offers many options to expand and customize your policy. They provide common add-ons like roadside assistance and rental reimbursement. They also offer rideshare coverage to protect you while driving for Uber or Lyft.
Discount opportunities can further lower your costs. Toggle offers savings for:
- Bundling home and auto insurance
- Being a safe driver
- Having multiple vehicles on your policy
- Using automatic payments
- Taking defensive driver training
- Using driver tracking apps to prove safe habits
With discounts and available endorsements, drivers can build a tailored Toggle policy that fits their coverage needs and budget.
Assessing Toggle’s Customer Service Reputation
Great rates and coverage options are important, but you also want an insurer that provides top-notch customer service. In online reviews, Toggle customers generally praise the insurer’s customer experience. Positive highlights include:
- Helpful and friendly agents
- Prompt support via phone, email, and chat
- Quick claims processing times
- Useful online account management tools
One downside mentioned in some reviews is having to talk to multiple reps to resolve an issue. Still, most customers rate Toggle’s customer experience as excellent overall.
Weighing Pros and Cons of Toggle Insurance
Here are some key pros and cons to consider about Toggle insurance based on their coverage options, costs, and service:
Pros
- Low rates and extensive discounts
- Direct-to-consumer purchase process
- Rideshare coverage available
- Top financial strength rating
- Positive customer service reputation
Cons
- Limited regional availability
- Mixed reviews about claims process
- Limited local agent support
- Fewer add-ons than some competitors
Is Toggle the Right Insurer for You?
Overall, Toggle provides affordable rates and decent coverage to drivers looking to purchase online. But make sure to get quotes from a few providers, including local options, to compare costs based on your situation. Also consider factors like customer service ratings and discounts offered to find the best balance of coverage, price, and service.
While Toggle works well for many drivers’ needs, it may not be the perfect fit for everyone. By evaluating Toggle’s strengths and weaknesses, though, you can make an informed decision about if they offer the right car insurance for you.
Is Toggle insurance legit?
Yes. Toggle Insurance Company is a real company that has been in the insurance business for 90 years and is part of the Farmers Insurance Group of Companies. It offers digital insurance products and services, aiming to provide a convenient experience for customers.
Toggle Insurance Reviews: What Real Customers Are Saying
As a new insurance company, online reviews of Toggle are relatively scarce. The company receives 2. 79 out of 5 stars on Clearsurance and 3 out of 5 stars on WalletHub.
Despite mid-range scores, the only customers taking the time to review the company had negative experiences to report. The main complaint is the difficulty contacting customer service over the phone or through live chat.
The customer shown in the screenshot below describes the wait time as “endless” with both.
Several reviews also mentioned administrative issues. The below reviewer experienced a policy cancellation due to a company error, and Toggle allegedly refused to issue a refund for the unused premiums.
Many of the reviews and testimonials, like the two below from Reddit, came from previous 21st Century customers. Most of them share the same complaints — a lack of communication and a total inability to get someone on the phone. Not a great sign if you value personalized, responsive service from your insurer.
Toggle Car Insurance Review (2024) Quote,Cancellation Policy | Is Toggle Car Insurance Legit/Good?
FAQ
Is Toggle a reputable company?
Is Toggle car insurance real?
How long has Toggle insurance been around?
Who owns Toggle car insurance?
Is Toggle a good renters insurance company?
Although its online quote experience is seamless, customer reviews suggest that the claims process can be challenging. Toggle’s renters insurance policies are completely customizable, but rates can quickly inflate if you need more than basic coverage. You’ll pay extra to add coverage that’s considered standard with most other insurers.
What is toggle auto insurance?
Toggle is a relatively new auto insurer that entered the market in 2016. It’s owned by Farmers Insurance and exclusively sells policies online or over the phone. Some key highlights about Toggle: So on the surface, Toggle offers affordable rates in an easy online format. But how does it stack up for customer satisfaction?
Is Toggle a good insurance company?
A part of Farmers insurance, Toggle is a fully digital company that offers car, renters and home insurance. The company is unusually transparent about what’s covered and lets you read sample policies before getting a quote. Although its online quote experience is seamless, customer reviews suggest that the claims process can be challenging.
Is toggle auto insurance a good fit?
Toggle’s comprehensive and customizable auto insurance policies will be a good fit for you if you have unique coverage needs. In particular, if you frequently drive with a pet or use your car to provide rideshare or grocery delivery services, Toggle can ensure that those activities are covered as well.