Toggle Renters policies are set up to have monthly recurring costs that automatically deduct from your credit or debit card on file, similar to a subscription service. At this time, we do not have the option for customers to pay in full for the entire twelve-month policy term. Toggle Auto policies offer two payment options - paying monthly via recurring automatic deductions from your credit or debit card on file or paying in full for the entire six-month policy term via credit or debit card (with recurring automatic deductions at policy renewal). Toggle Home policies are full-pay only, by credit or debit card or through escrow.