Everything About a Travelers Car Insurance Quote
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Travelers is an insurance industry giant, offering up some great variety in terms of policy offerings, services, bundles, and discounts.
If you are interested in learning more about Travelers car insurance quotes, car insurance broker app Jerry has compiled everything you may need to know. Keep reading to find out more.
- Pros and Cons
- Basic insurance
- Company comparison
- Customer Ratings
- Services and features
- Filing a claim
- Should I switch providers?
How much does Travelers car insurance cost?
If you opt for low coverage options, you can expect to pay about $1,192 a year, while a high-coverage plan will cost about $1,335 a year.
An important thing to note is that your credit score is likely to play a major role in deciding how much you will pay for your Travelers’ policy.
Those with good credit can expect to pay about $1,191 a year, but if your credit score is bad, your annual policy price could almost double to $2,095 annually. If your credit score isn’t strong, there is a good chance you will find better prices elsewhere.
The best way to get a good idea of what you can expect to pay for the coverage you want is to use Jerry to get car insurance quotes that you can easily compare across providers.
Travelers pros and cons
|Offers reasonable policy price points for younger drivers||Average or less-than-average customer satisfaction rankings|
|An affordable option for people with good credit ratings||An affordable option for people with good credit ratings|
|Plenty of tailored policy options|
What types of basic car insurance does Travelers offer?
Bodily Injury/Property Damage Liability Coverage
This will cover any related medical expenses or legal fees up to your policy’s limit if you are found at fault for an accident.
Liability coverage is legally required in most states. There are two types of liability coverage: bodily injury liability coverage and property damage liability coverage. To make sure you have adequate coverage, it’s generally a good idea to purchase both.
Medical Payments Coverage
Medical payment coverage is required in a handful of states but is typically sold as an optional add-on that will help cover the costs of any medical or funeral expenses for you or your passengers regardless of who is found at fault.
While basic liability coverage only applies to the other party, medical payment coverage will ensure that you and your passenger’s medical expenses are also taken care of up to your policy’s limit. Travelers’ medical payment coverage will also cover your medical expenses if you get struck by a car as a pedestrian.
Collision coverage is an optional policy add-on that will help cover the cost of repairing or replacing your vehicle up to your policy limit should you be involved in a collision with another vehicle or object. Traveler’s collision coverage policy will also cover you for rollovers as well.
Unlike most providers, Travelers will require you to have an existing comprehensive coverage add-on already in place in order to subscribe to their collision coverage policy option.
Traveler’s comprehensive coverage policy is an optional car insurance add-on that will come into effect when a vehicle is damaged or destroyed by external circumstances. A comprehensive coverage package will protect you up to your policy limit for the following.
- Severe weather events
- Hitting an animal
Uninsured Motorist / Underinsured Motorist Coverage
Both uninsured and underinsured motorist coverage are designed to protect you up to your policy limit. This will come in handy should you find yourself in an accident with an at-fault driver who doesn’t have any or enough liability coverage to cover your medical expenses resulting from an accident.
This type of insurance is legally required in quite a few states, so make sure you have the minimum coverage you need.
Personal Injury Protection (PIP) Coverage
Personal injury protection insurance is a type of car insurance that is designed to provide coverage for you, your family, and your passengers regardless of who is found at fault in an accident.
Travelers’ PIP coverage options vary from state to state and may include medical expense, work loss, and funeral expense protection up to your policy limit.
Optional insurance coverage options
Gap Insurance Coverage
Traveler’s gap insurance is an optional policy add-on that will cover the difference between the actual market value of a written-off vehicle and what is left owing to a lender on the price of that vehicle.
Rideshare Insurance Coverage
Travelers Rideshare Insurance coverage is designed to cover rideshare drivers where their company policy leaves them vulnerable.
Unfortunately, Travelers’ Rideshare Insurance Coverage plan is only available in Illinois and Colorado, and even if you live in either of those states, you must drive for companies with in-built company policies like Uber or Lyft to subscribe.
Premier New Car Replacement Coverage
Travelers offer an attractive new car replacement policy add-on that boasts better protection than many comparable competitor policies.
If you are a new vehicle driver who subscribes to this policy option, you can count on your vehicle being replaced with a vehicle of the same make and model if it is written off within the first five years that you own it. The package also includes gap insurance coverage and a lower glass deductible for windshield repairs.
You are not eligible for this insurance if the vehicle is pre-owned. You must also subscribe before the model year of the vehicle is passed in order to qualify.
Travelers’ auto insurance discounts
Travelers offer a fair range of discounts and bundle options that can help you save on your car insurance policy. Most discounts will land you between 3 - 23% savings on the total cost of your policies, so don’t hesitate to take advantage:
- Safe driver discount
- Continuous coverage discount
- Good payer discount
- Multiple policy discount
- Hybrid/electric vehicle discount
- New car discount
- Early quote discount
- Good student discount
- Multiple vehicle discount
- Defensive driver discount
- Driving training discount
- Paid in full discount
- Student away at school discount
- Homeowner discount
- Preferred payment discount
Travelers vs. other insurance companies
Here’s how Travelers stacks up to two of their major competitors, Progressive and Allstate, in terms of car insurance quotes and service.
Travelers vs. Progressive
In many ways, the jury is out when it comes to choosing between Travelers and Progressive.
Progressive offers slightly better customer service and claims filing reliability. Travelers offer slightly better policy prices, particularly for young drivers. Travelers’ customers report that they are more likely to renew than Progressive customers.
Travelers vs. Allstate
Allstate easily wins out over Travelers if customer service and accurate and efficient claims processing is a top priority for you.
Meanwhile, if you are looking for potential cost savings, Travelers could easily keep about $600 more a year in your pocket depending on your policy details. This is especially true if you have a less-than-perfect driving history or a poor credit rating.
That said, the superior service provided by Allstate might be worth the extra investment if you have good credit and clean driving history.
Background of Travelers Insurance
Travelers Insurance Company was founded over 160 years ago by a man named James G. Batterson, who wanted to find a way to provide accident insurance to world travelers.
The company issued its first automotive insurance policy in 1897. It might have been the first automotive policy ever written in the world.
Today, the Travelers Insurance Company prides itself on having accumulated a rich history of more than 160 years of insurance expertise.
Not surprisingly, Travelers has been a trailblazer and continues to be so in terms of providing new and improved policy options.
These days, Travelers isn’t just one of the top insurance providers in the country. The company is also a global giant. It is currently the only property insurance provider listed on the Dow Jones Industrial Average and employs more than 30,000 people worldwide.
How to get a Travelers car insurance quote
Travelers offer plenty of simple options for getting an insurance quote. They boast a seven-minute process for their online and call-in services, and you also have the option of speaking to an independent local agent as well. Keep in mind that none of the above methods let you compare options and price points offered up by different providers.
The easiest and most effective way to find a policy that fits is to take advantage of powerful insurance management tools like Jerry to find the quote that works for you. It will handle the paperwork and even contact the company on your behalf.
“I just got a new car and the car insurance quotes I was getting were around $250-$300 a month. I decided to try Jerry and they found me the same coverage for only $150 a month! I highly recommend this app to anyone looking to save money on car insurance!” - Satisfied Jerry User
How do customers rate Travelers auto insurance?
According to the 2018 J.D. Power Associates U.S. Auto Insurance Satisfaction Study, Travelers’ scores are average in the following categories:
- Claim Servicing
- Estimation Process
- First Notice of Loss
- Overall Satisfaction
- Rental Experience
Travelers score below average in the Repairs Process category. There are no categories here where they come out above average, but they also are not notably below average either.
Likewise, the 2018 U.S Auto Insurance Shopping Study also finds Progressive Insurance pretty much in the middle across the board, racking up average scores in the following categories:
- Insurer Website
- Local Agent
- Overall Satisfaction
- Policy Offerings
- Call Center Representative
They score below average in the Pricing category.
To make a long story short, Travelers’ car insurance rating scores aren’t exactly stellar, but they aren’t bad either.
Services and features
The Travelers’ IntelliDrive program is a voluntary service that will track your driving habits for 90 days with your mobile device. If you score well, you could save up to 30% on your next policy renewal. On the other side of the coin, poor performance could result in policy cost increases (depending on your state restrictions).
This program is available in 38 states.
Travelers’ Responsible Driver Program
Available to drivers with good driving records, these policy offerings function as accident forgiveness programs that will help prevent your insurance premium rates from increasing after an accident or violation.
You can choose one of two levels of protection. The Minor Violation Program will forgive one minor violation every 36 months, while the Accident Forgiveness Program will forgive one accident every 36 months.
The Premier Responsible Driver Program
Responsible drivers can also benefit from the Premium Responsible Driver Program, which includes both accident and minor violations forgiveness (as discussed above) as well as deductible decreases of $50 for every 6-months accident-free (down to $500 total) and potential deductible waivers.
Travelers’ current Mobile App offers many of the standard features of insurance apps, but customers often complain of bugs and crashes. The company is planning on releasing a new and improved My Travelers Mobile app platform in the near future.
How to file a claim with Travelers
Travelers encourage their customers to login via their online portal to file a claim. You can also file a claim using their current version of the mobile app.
If you have questions, you could always call up an agent to speak in person. Just keep in mind that the sooner you report a claim, the more likely you are to get a favorable outcome.
Once you begin the claims process, you will receive a claim number that you will need to keep handy throughout the course of the claims investigation process. In order to ensure the claim filing process goes as smoothly as possible, be prepared to provide the following information.
- The location, date, and time of the accident
- The names, addresses, phone numbers, and insurance policy numbers of anybody else involved
- A summary of the weather conditions
- Photo evidence of the accident scene and damage
- Any relevant copies of the police and/or accident reports
Keep in mind, using the mobile app will make it easier to upload any relevant data quickly and efficiently. Once the claim is filed, it’s a good idea to review your policy, so you have an idea of what to expect with regard to your particular coverage. Once your claim is approved, you can proceed with the repairs and secure a replacement vehicle if it is part of your coverage plan.
Travelers’ car insurance cancellation policy
Travelers offer a fairly reasonable cancelation policy. They won’t charge cancelation fees and they’ll reimburse you for any unused portion of your policy that has already been paid in full.
Like many providers, they won’t give you the option of canceling online or via their mobile app. You can call up an agent, visit in person, or even cancel by mail if you prefer. They accept both immediate cancelation requests and requests for a future date.
Make sure you have the following information handy or included in your request letter:
- Your name
- Your policy
- The date you want the policy to end
In some cases, you might be asked to provide some basic information on your new policy as well. Just make sure you have a new option lined up so you don’t experience a gap in coverage that could cost you in terms of future premiums.
The Takeaway: is Travelers right for me?
Travelers offer some well-priced policy options across the board and might be a good choice if you are looking for more affordable policy coverage options. If you are a driver under the age of 25, Travelers is a particularly attractive pick for you.
However, Travelers doesn’t have high customer satisfaction ratings, and if you are looking for a claims or repair process that you can rely on, Travelers might not be the best choice.
The bottom line is that there are a lot of different things to keep in mind when you compare car insurance quotes, and working with an intelligent tool like Jerry is the smartest and easiest way to simplify the process.
Jerry will compare relevant quotes across different providers, so you don’t have to. Once you’ve found a policy that fits your budget and needs, Jerry will take care of the phone calls, paperwork, and renewals. So why do all that extra work when Jerry can do it for you?
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Judith switched to Progressive
Saved $725 annually
Alexander switched to Travelers
Saved $834 annually
Annie switched to Nationwide
Saved $668 annually