Review of Travelers Auto & Home Insurance

Travelers Auto Insurance Review

Travelers has average-to-high base rates, but can become much more affordable if you qualify for its discounts. They offer the standard coverages you’d expect from an auto insurance company with few unique perks.

Travelers Auto Insurance Rates

Across most driver profiles, Travelers offers middle-of-the-road rates. To get the most out of Travelers, you’ll need to look for applicable discounts, otherwise you’ll receive mediocre rates.

How Do Travelers' Auto Insurance Quotes Compare to Other Insurers?

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Profile

22 year old male

31 year old female

31 year old female w/ accident

Mid-60s married couple

Geico$620$544$907$524Travelers$1,095$885$1,286$646Allstate$1,230$909$1,738$574State Farm$1,096$967$1,180$881

Travelers Auto Insurance Discounts

Travelers offers its policyholders access to a comprehensive set of discounts. The discounts aren’t unique compared to most car insurance companies, but the sheer number of discounts means that a great number of drivers can benefit.

Highlighted discount: IntelliDrive usage-based app

IntelliDrive Program: Receive up to a 20% discount when you enroll in Travelers IntelliDrive, a 90-day program that tracks your driving behaviors. The free mobile app scores your driving behaviors and assigns appropriate discounts (or increases) to your annual insurance cost. The app will score your driving behaviors based on several factors, like the time of day you drive most frequently, your speed, acceleration and braking habits. Discounts will vary by state, and the program is currently available in the following states:

  • Alabama
  • Connecticut
  • Illinois
  • Indiana
  • Maine
  • Minnesota
  • Nevada
  • Ohio
  • Virginia

Discount

How to get it

Multipolicy DiscountBundle your car insurance with another Travelers’ insurance policy and save up to 13%.Multicar DiscountInsure two or more cars with Travelers and save up to 8%.Homeowner DiscountIf you own a home, you’re eligible to save up to 5% on your car insurance. You may be eligible for the discount even if your home isn’t insured with Travelers.Safe Driver DiscountDrivers without accidents over a three-year period are eligible for a discount of up to 10%, or up to 23% for drivers who are accident-free over a five-year period.
Continuous Insurance DiscountDrivers without gaps in their coverage are eligible for a 15% discount.

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Travelers auto insurance coverage

As one of the largest and oldest insurance companies, Travelers offers its customers all of the coverage options that most other national insurance companies do. Beyond the standard coverages, Travelers offers a few unique optional coverages, such as premier new-car replacement and two accident forgiveness plans.

Loan or Lease Gap Insurance: If your vehicle is involved in a total loss, this optional coverage pays for the difference between the actual cash value of your car and the unpaid portion of your loan or lease. For instance, if you purchased or leased a 2015 Toyota Camry that is now worth $10,000, but you have an unpaid loan or lease balance of $13,000, loan or lease gap insurance would pay for the $3,000 difference. Without the coverage, you’d have to pay the $3,000 out of pocket.

Premier New Car Replacement: This optional coverage functions as a bundle for new car owners, which includes new-car replacement coverage, loan or lease gap coverage, and a glass deductible feature. The standout feature of the bundle is the new-car replacement coverage, which covers the cost of a new car if your vehicle is totaled in a covered loss. Losses stemming from fire, theft, larceny and flood are excluded from the coverage. The loan or lease gap coverage functions in the same manner as if you were to purchase it as a single endorsement. The glass deductible feature lowers your deductible for a glass-only loss. Any claim involving your windshield, windows, exterior lights or mirrors is eligible.

Accident Forgiveness Plans: Travelers offers accident forgiveness through two hybrid programs marketed as discounts: the Responsible Driver Plan and the Premier Responsible Driver Plan. Accident forgiveness programs cancel the increase in a driver’s rates after an at-fault accident, which can save you hundreds of dollars over the term of your policy. Below is a table illustrating the plan’s estimated cost for a 30-year-old driver with a 2015 Toyota Camry and the two programs’ features.

Program

Sample Annual Cost

Features

Responsible Driver Plan$95Forgives one accident and one minor violation every three years.Premier Responsible Driver Plan$146Forgives one accident and one minor violation every three years. Provides a waiver for your deductible if your car is totaled. Reduces your deductible by $50 every six months that you’re accident-free, up to a $500 limit.

Ride Sharing: Prospective policyholders in Colorado and Illinois have the option to add coverage when driving for Uber, Lyft or other ridesharing apps. If you don’t have a similar coverage, it’s likely you’re not covered when driving for a ridesharing app. The endorsement provides coverage after opening your mobile app but before picking up a passenger. Once you pick someone up, the ridesharing company’s insurance will provide you with coverage.

Rental Car Coverage: Rental car coverage reimburses you for the cost of a rental vehicle if your car is involved in a covered accident. Coverage starts at $30 per day, and the maximum available is $100 per day. While the cost will vary depending on your vehicle type, you can expect to pay around $20 per year for the lower end of coverage and around $50 per year for the maximum coverage. To use Travelers’ rental car coverage, your vehicle must be out of commision for at least 24 hours. Rental car coverage applies to specific vehicles rather than people, meaning that you must pay more if you want to have coverage for another vehicle.

Roadside Assistance: If you want roadside services, such as a jump-start, fuel delivery, tire change or lockout assistance, you’ll want to purchase this optional coverage. Travelers offers two tiers of roadside assistance: basic roadside assistance and premier roadside assistance. The former provides a towing service up to 15 miles, while the latter provides the service up to 100 miles. Premier roadside assistance also includes trip interruption coverage, which provides $600 (maximum of $200 per day) of reimbursement for food and lodging if your vehicle breaks down. Trip interruption coverage only applies if your car breaks down more than 100 miles away from home and the vehicle is inoperable for longer than 24 hours. To request roadside assistance, Travelers customers can dial 800-252-4633.

Traditional Coverage Available Through Travelers

  • Liability coverage
  • Comprehensive coverage
  • Collision coverage
  • Personal injury protection
  • Uninsured and underinsured motorist coverage
  • Medical payments coverage

Auto Insurance Takeway: Travelers can be a great auto insurance company for customers who unlock some of its many discounts. For instance, the IntelliDrive program alone can reduce your annual insurance rates by as much as 20% if you exhibit good driving habits, making Travelers a very affordable insurance option. However, if you’re unwilling to partake in due diligence, namely in seeing if you qualify for any discounts or discount programs, it’s unlikely that Travelers will be the most affordable option.