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At this time, we are unfortunately not able to file SR-22s or any other kind of Financial Responsibility Filing for drivers in any state. If you or another driver on your policy requires one, we will direct you to an affiliated company within the Bristol West Insurance Group. more

Absolutely! One of the benefits of having a Toggle Auto policy is the ability to change your coverage yourself online, anytime you want to. Log into your online Toggle account at www.gettoggle.com, find your Auto policy, then click "View policy" > "Edit policy" > "Next: edit". This page will allow you to add/remove/edit vehicles and drivers, if needed. Otherwise, you can click "Next: coverages" and adjust your coverages and/or limits and deductibles as you wish. When you're done, click "Next: edit add ons" and adjust any Add On coverages, limits, and/or deductibles as you wish. Once you're done, click "Next: review edits" and review the changes you made as well as any update to your policy premium. If you want to proceed, click "Confirm". Your policy changes will be effective immediately and any updated policy documents (ID cards, e.g.) will be available for download immediately. more

To remove a vehicle from an active Toggle Auto policy, log into your online account at www.gettoggle.com. Locate your active Auto policy, then click "View policy" > "Edit policy" > "Next: edit". Once you see the vehicle you want to remove, click "Edit vehicle" and scroll down to click "Remove this vehicle". You will be asked to confirm that you indeed want to remove this vehicle and then you can click through any additional screens until you get to the Review Edits screen (unless you have additional changes to make to your policy). On this screen, you will see your updated premium with the vehicle removed (and any other changes you made). If you want to proceed with those changes, click "Confirm". The policy changes you made will be effective immediately and any updated policy documents you want to download (ID Cards, e.g.) will be available immediately in your online account. more

At Toggle, we are committed to providing affordable auto insurance and keeping our prices as competitive as possible. However, occasionally we need to adjust our pricing due to certain external factors that arise. A few of the reasons for a particular rate increase include: an increase in accidents as more drivers are on the road, and the rising cost of repairs due to supply shortages. more

In addition to yourself, you should include anyone in your household who is 15 years of age or older, has a valid and active drivers license, and has regular access to the car(s) on your policy (30 days/year or more), even if they are temporarily living away from home or are long-term guests. more

8 is the magic number - you can include up to 8 drivers and 8 vehicles on your Toggle auto insurance policy. more

During the quoting process, plan to disclose all citations and violations that occurred in the past 3 years except parking tickets. more

Excluded drivers are not covered when driving vehicles listed on your policy. If you exclude any drivers, you will be required to electronically sign a named driver exclusion form. Please make sure to read this form carefully to understand how your coverage will be affected. And refer to your Declarations Page for the driver information specific to your policy. If you are prompted to exclude a driver and you choose not to, unfortunately you will not be eligible for coverage with Toggle. more

Yes - we review your history of insurance coverage in order to determine whether you qualify for coverage, establish your premium, or find out whether you are eligible for certain discounts. more

To determine how much auto insurance you need, you should consider the value of your assets, how much you drive, when and where you drive, and what kind of vehicle you drive. You might also want to think about what you would do if your car was unavailable to you for a period of time (like say, as a result of a car accident). Additionally, most states require you to carry a minimum amount of liability insurance - you will see that shown as the minimum amount you can select when doing a quote in your state. more

Your Toggle policy covers anyone listed on your Declarations Page as a primary driver and any additional drivers who have your permission to occasionally operate your insured vehicle(s), including those outside your household. Please note that every claim is subject to a full review process in which we will determine whether you and/or other drivers are eligible for coverage. more

Generally speaking, the insurance goes with the car. For example, if you have an accident while driving someone else's car, the owner's insurance would apply toward damages first. Your auto insurance would generally apply in the event the owner of the vehicle had no auto insurance or did not have enough auto insurance to pay the damages. Please note that every claim is subject to a full review process in which we will determine whether you and/or other drivers are eligible for coverage. more

Generally speaking, your policy will provide insurance coverage if you get into an accident in a car that you have rented for a period of less than 30 days. Please note that every claim is subject to a full review process in which we will determine whether you and/or other drivers are eligible for coverage. You can also buy liability insurance and collision damage waivers ("CDWs") directly from rental car companies when you rent your vehicle. more

If you use a vehicle on your policy to drive for a ridesharing company (e.g., Uber or Lyft), you should indicate that during your quote and consider purchasing Rideshare Coverage/Side Hustle Auto Coverage. This optional coverage provides extra insurance when you are logged into a ride sharing app and are awaiting a passenger match. Note that this Add On does not cover you while you are en route to pick up a passenger or while you have a passenger in the car (often times this is covered by your ridesharing company but we recommend double-checking). more

If you use a vehicle on your policy to drive for a food delivery company (e.g., Postmates or Uber Eats), you should consider purchasing Side Hustle Auto Coverage (not applicable in South Carolina). This optional coverage provides extra insurance when you are logged into a food delivery app and are awaiting a match. Note that it does not cover you while you are en route to pick up or deliver an order (often times this is covered by your food delivery company but we recommend double-checking). more

Generally speaking, being in an accident will not cause your policy to be canceled. However, every claim is subject to a full review process and after the facts of the situation are reviewed, it is possible that you may be required to pay a higher premium for your policy upon renewal or that your policy may not be renewed. more

Bodily Injury Liability coverage pays for damages an insured driver is legally obligated to pay due to accidental bodily injury to others, and the injury occurred due to a covered loss. more

Also referred to as "physical damage coverage," Comprehensive and Collision coverage helps repair your car after a covered loss. Comprehensive or "Comp" coverage generally reimburses you when your car is damaged from theft, vandalism, fire or hitting an animal…or if your vehicle is damaged from weather-related events like hail. Collision provides coverage when damage occurs to your car while it's moving, parked or struck by another vehicle. At Toggle, we combined the two because we believe you shouldn't have to worry about whether it's hail or another vehicle that caused the damage to your car (not applicable in South Carolina). Insurance is hard - we make it easy. more

UM (Uninsured Motorist) or UIM (Underinsured Motorist) coverage pays the amount you are legally entitled to recover for damages from bodily injury and/or physical damage to your vehicle, up to the selected limits, caused by an uninsured (a person who does not have insurance) or underinsured motorist (a person who does not have enough insurance to compensate you for your damages). more

Medical coverage pays reasonable medical and funeral expenses incurred by an insured person on your policy caused by an accident, up to the limit selected and regardless of fault. more

There is a wide range of auto insurance discounts that you may qualify for, depending on your situation and the state you live in. They include but aren't limited to whether you are a homeowner, a good student, are accident/claims free, own a car with an Automatic Emergency Braking system, or you have multiple Toggle policies (auto and renter). more