With Toggle, most policies are enrolled in autopay, meaning that your payments are automatically drafted from your payment method of choice on a regular basis (typically the evening before your scheduled payment due date). If you have a payment that is past due, you can update your credit or debit card on file and the past due amount will be processed at that time. To update the card on file, simply log into your online account at www.gettoggle.com, click "My Payments", and then click "Update" under "Payment method". Enter in your new card information and click "Update". 

For policies in Texas, when your policy renews, we'll automatically charge your premium at the start of your subscription period (if you selected pay-in-full) or monthly (if you selected monthly pay), from the credit or debit card you provided. Need to change the card on file? You can do that anytime in the Account Settings on the My Coverage page when logged in to your Toggle account.

For policies in all other states, payment options vary by policy type.

With Toggle Auto and Renters insurance, the first month's premium will be due when you first set up your policy. Then we'll automatically deduct your monthly premium each month after, from the credit card or debit card provided. You can also pay in full for a Toggle Auto policy at the beginning of the policy term and again automatically at renewal.

With Auto policies converted from 21st Century, most payment methods are still available. You can select from the following pay plans: monthly, 2-pay, 4-pay, and pay-in-full. We also offer automatic payments. Regardless of which pay plan you select, payments can be made by credit card, debit card, bank account, or by check or money order sent by mail.

With Toggle Home insurance written through www.gettoggle.com, you can pay in full for your policy at the beginning of your policy term using a credit or debit card. With Toggle Home insurance written through Better.com, you may also opt to pay the policy premium through escrow. We'll deduct your annual premium at the start of your policy term and again automatically at policy renewal. 

For policies in Texas, we offer a pay-in-full payment option for Toggle Auto. We also offer a pay-in-full option in select states for Toggle Renters.

For all other policies, payment plan options vary by product. 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. In select states, a pay-in-full option is available for Toggle Renters.  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 your escrow account.

If you have Toggle Renters or Auto insurance and your recurring monthly charge fails, we will let you know so that you can make any adjustments to your debit or credit card on file to keep your policy active. We’ll attempt to re-bill the card you have listed with Toggle twice more before we’ll need to cancel your policy for non-payment.

If you have Toggle Home insurance and the charge to your credit or debit card fails at the time of purchase, you will be notified and asked to provide a new card before the purchase can be completed.

We're so sad to see you go! Refunds are processed the same day as policy cancellations and may take up to 3 days to be credited back to your card on file. Please note that at Toggle, we don't charge any initiation or set-up fees to get your policy started. However, we do retain the first month's policy premium if you need to cancel in your first month after buying your policy. (In CA, we charge a $50 cancellation fee.) If you request to cancel your auto policy within the initial policy term, any refund due will be computed on a 90% of a daily pro rata basis for the full term premium.

Your first payment will be charged to the credit or debit card you provide, at the time your policy is purchased. Future payments will be charged to that debit or credit card according to your payment plan, either at renewal (in the case of pay-in full) or monthly on the day before your policy's effective date or the closest available day prior to that (in the case of monthly pay).

To change the card on file, click on My Payments at the top of the screen when logged into your Toggle account. At this time, we’re only able to accept debit and credit cards for payment online (no pre-paid or reloadable-style card types). If you prefer to pay by paper check (NJ Toggle Auto customers only), please contact customer support at support@gettoggle.com. Choosing to pay by paper check means your coverage will not be effective until we receive your check and payment is successfully processed.

To view your payment history, log into your Toggle account, click My Payments at the top of the screen and scroll down to see your billing summary.

To update your credit or debit card on file, simply log into your self-service account at www.gettoggle.com/login. Once logged in, click on "My Payments", and then click "Update", located under the payment method. Enter your new payment details and click "Update". 

If you have Toggle Renters or Auto Insurance with a monthly payment plan and you make a policy change that increases your monthly cost, you’ll be charged instantly. If your change results in a lower monthly cost, we’ll refund your debit or credit card currently on file, typically within 3 business days. In rare cases, your bank or credit card issuer may be unable to process your refund and will notify us. If that’s the case, we’ll issue you a check with your refund. Moving forward, the policy changes you make will be incorporated into your regular monthly payment.

If you have Toggle Home Insurance or if you have Toggle Renters or Auto Insurance with pay-in-full and you make a policy change that increases your annual policy premium, you'll be charged the difference instantly. If your change results in a lower premium, we'll refund your debit or credit card, typically within 3 business days. In rare cases, your bank or credit card issuer may be unable to process your refund and will notify us. If that’s the case, we’ll issue you a check with your refund.