Founded in 1864, Travelers Insurance has a long history in the insurance industry and remains a popular choice for many drivers looking for car insurance.
Travelers Auto Insurance: Overview
Travelers offers a range of coverage options and discounts, making it appealing to homeowners and families seeking to customize their policies and save money. They provide various coverages, including accident forgiveness and new car replacement, which can be particularly beneficial for households with teen drivers. It’s a well-established company that has been around for over 160 years.
However, potential customers should be aware of Travelers’ customer service reputation. While the company boasts strong financial ratings, it has received below-average customer satisfaction scores. The company’s IntelliDrive telematics program may also increase premiums for those whose driving habits are deemed risky.
Travelers Auto Insurance Pros and Cons
Pros:
- Numerous discount opportunities
- Affordable full-coverage insurance
- Optional accident forgiveness
Cons:
- Potentially higher-than-average liability costs
- Below-average JD Power claims satisfaction ratings
- Telematics program may increase premiums
Travelers Auto Insurance Plans and Coverage
Travelers car insurance provides standard coverage to protect vehicles and cover accident-related expenses. Key coverages include:
- Liability insurance: Covers property damage and injuries caused to others.
- Collision insurance: Covers vehicle repairs or replacement after collisions.
- Comprehensive insurance: Covers vehicle damage from non-collision events like theft and weather.
- Personal injury protection (PIP): Covers medical bills and lost wages for you and your passengers.
- Medical payments: Pays for immediate accident-related medical bills.
- Uninsured/underinsured motorist insurance (UM/UIM): Covers injuries and damages if an uninsured or underinsured driver causes an accident.
Additional Coverage Add-ons
Travelers also provides additional options for enhanced protection:
- Gap insurance
- Rental car reimbursement
- Roadside assistance
- New car replacement
- Accident forgiveness
- Ridesharing coverage
- Non-owners insurance
Travelers Auto Insurance Discounts
Travelers offers a variety of discounts to help lower your premium costs. Some of the popular discounts include:
- Multi-policy
- Multi-car
- Homeownership
- Safe driver
- Continuous coverage
- Hybrid/electric vehicle
- New car
- Payment (full, ETF, and consistent payments)
- Early quote
- Good student
- Student away at school
- Driver training
- Affinity
- Telematics (IntelliDrive)
Travelers Auto Insurance Cost
The cost of car insurance varies, affected by factors like age, driving history, and vehicle type. Travelers provides competitive rates, particularly for full coverage. Below are the average costs for different policy types:
How to Purchase and Manage a Travelers Auto Insurance Policy
Applicants can get quotes and purchase policies online at Travelers.com or by calling 1-888-392-1402. Travelers operates in 42 states and Washington, D.C. To apply, gather personal information (name, address, date of birth), VIN (Vehicle Identification Number), coverage details, driving history, and desired start date. Account management is available online or through the mobile app for tasks such as bill payments and claims.
How to File a Claim with Travelers Auto Insurance
Policyholders can file claims through the online claims form, by calling 1-800-252-4633, or through the mobile app. You will need your policy details, contact information, information about other parties, and photos of any damage. Processing times can vary, so follow up to make sure you receive your payments.
Travelers Auto Insurance Customer Reviews and Ratings
Customer reviews for Travelers are mixed. While the company maintains strong financial ratings, it has received lower marks for customer satisfaction and claims processing. Traveler’s ratings from different review sites include:
- Better Business Bureau (BBB): 1.06 out of 5
- Trustpilot: 1.5 out of 5
- Consumer Affairs: 2.6 out of 5
- Wallethub: 1.9 out of 5
However, the Travelers mobile app boasts higher ratings on the App Store (4.7 out of 5). The company also maintains high financial strength ratings from AM Best (A++).
Travelers Auto Insurance Alternatives
Several companies offer competitive car insurance options:
- Amica: Generally more expensive than Travelers, but with better rankings for customer and claims services.
- American Family: More expensive and fewer discounts than Travelers but rates higher for customer and claims services.
Conclusion
Travelers Auto Insurance presents an option for drivers seeking diverse coverage options and discount possibilities. However, potential customers should weigh the benefits against the lower customer satisfaction ratings. Comparing quotes from other insurers, such as Amica and State Farm, is recommended for your needs.
