AUTO & VEHICLE

We offer insurance for just about anything that moves you—whether you’re on the road, the trail, or the water. Just pick the type of vehicle you’d like to insure and start your free quote.

Finding the right coverage at the right price is easy when you know what all of your options are. That’s why we do the legwork for you to bring you the absolute best policy for your unique situation. Toro makes shopping for insurance as it should be - easy. We’ll even help you find special discounts and bundling options, so that you can save even more. What are you waiting for? Get started now!


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car

Make sure you have peace of mind on the road no matter what comes your way. Get Quote »

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Motorcycle

Protect your motorcycle, on and off the road with a policy from Toro Insurance Group. Get Quote »

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Boat & Watercraft


Be protected on the water and on land, with insurance for you, your passengers and your boat or PWC. Get Quote »

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Antique & Classic

We specialize in covering antique and classic cars, modified collector cars, reproductions, replicas, restorations, and modern classic cars. Get Quote »

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ATV & Off-Road

Whether you’re cruising dirt trails or carving new paths in fresh snow, the last thing you want to worry about is insurance coverage. Get Quote »

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RV's

Whether you’re driving your RV cross-country or parking it at a local campground, be sure you have the right insurance protection. Get Quote »

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Trailer

Whether you’re hauling equipment, ATVs or livestock, you want to make sure your utility trailer is covered. Get Quote »

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Scooter

Whether you take your scooter for a spin on the weekends or use as your everyday commuter vehicle, we’ll keep you, your ride, and your gear safe. Get Quote »

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Golf Cart

Whether you use them off-road or on, the right insurance can help you protect your golf cart. Get Quote »

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Teen Driver

Our auto insurance coverage offers many features and benefits designed to meet the needs of teen drivers and their families. Get Quote »

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Auto Service Plan

Drive with confidence knowing we’ll save you money, hassles, and worry so you can keep your mind focused on the open road. Get Quote »

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Umbrella

An umbrella policy can provide an additional layer of protection, giving you broader coverage if you’re sued and peace of mind knowing you’re protected. Get Quote »

BUNDLE AUTO + PROPERTY = SAVINGS

Combine insurance for your car and property to start, then add more policies as needed. You’ll get plenty of discounts for adding cars, motorcycle, boats or more. See how your home and auto bundle can flex for big life events. Or, start now with a home and auto insurance quote. FYI, you can bundle auto with your home, renters, condo or townhouse.
quick quote
AUTO INSURANCE COVERAGES

Accidents, glass damage, lawsuits, hail, and more—we have affordable coverage options to protect against just about anything. Get a car insurance quote, and you can customize your coverages online. Savings with safe coverages. Keep in mind, coverage offerings can vary by state.

Coverage Type

Description

Example

Liability - Bodily Injury (BI)
& Property Damage (PD)
Covers damages you cause to others

If you're at fault in an accident, liability covers damages you cause. That could mean damage to other vehicles, property (mailbox, street sign, house, etc.), or even other drivers'/passengers' injuries. Plus, this covers you if someone sues you over an accident.

You rear-end another car, it's damaged, the other driver is severely injured, and sues you. We'll pay for the other driver's car repairs, injuries, and your costs from the lawsuit (up to the amounts you select). There's no deductible for liability.

Comprehensive & Collision
Covers damage to your car

These are two separate coverages: comprehensive covers random acts of nature beyond your control (falling trees, hail, theft, fire, floods, glass damage, etc.) and collision covers car accidents.

(Comprehensive): You park your car outside during a major hailstorm, and it's totaled. Add comprehensive and we'll pay out for the full value of your car (minus your deductible amount). (Collision): You back out of your garage, hit your basketball hoop and cause $2,000 worth of damage to your vehicle. Add collision and we'll then pay for your repairs (minus your deductible amount).

Uninsured/Underinsured Motorist
Covers your injuries and damages

These can be two separate coverages: one that covers your injuries (bodily injury) and another that covers your vehicle's damages (property damage). Both kick in if a driver hits you and doesn't have insurance or enough to pay for your losses.

Another driver runs a red light and hits you. They're at fault and don't have insurance. If they can't or refuse to pay for your damages, you can instead file a claim with us. We'll then pay for your repairs.

Medical Payments
Covers your injuries

Pays for medical costs if you, your passengers, or your family members are injured in an accident (no matter who is driving). This can be beneficial even if you have health insurance, as there is no deductible you have to meet before we pay out.

Your newly-licensed 16-year-old neighbor is driving your child to school, and they're in an accident. Your child is injured and has a $1,000 medical bill. Instead of filing a claim with your health insurer, you can file with us and we'll simply pay the bill (up to your limit). No deductible applies.

Rental Car Reimbursement
Covers rental car fees

Pays for your rental car fees while your vehicle is being repaired from a covered loss (that just means damages we or another insurance company pays for and not general maintenance).

Your car is severely damaged in an accident, and repairs will take a week, so you need a rental. Add this and we'll pay for your rental car fees (up to your limits).

Loan/Lease Payoff
Helps pay off your loan when your car is totaled

Loan/lease payoff is also called gap insurance. If your car is totaled, we'll help pay off the balance of your loan (up to 125% of your vehicle's current value).

You finance $30,000 for a new car. The second you drive it off the lot, it could only be worth $25,000. If your car is totaled, you're still responsible for the $30,000 on the loan. Add this and we'll pay $25,000 for your car + the $5,000 left on your loan.