It's often said that we are our own worst enemies, and this rings especially true for young people. Enter Toggle, the more affordable solution for renters insurance (brought to you by Farmers™). How to get young people to buy it? Feature viral UGC moments for that “aha!” moment.

The campaign reduced the CPA by 93%, tripled Farmers Insurance's business goals and helped turn the Toggle business into a viable product. And got some nice press, too.