Travelers Auto Insurance: Who's Really Covered?

Travelers Insurance is one of the largest insurance providers in the nation, offering a range of coverage options and discounts to help customers customize their car insurance policies. The company has been in the insurance business since 1853 and is available in most states.

Travelers Insurance offers liability, collision, comprehensive, personal injury protection, medical payments, and uninsured/underinsured motorist coverage. It also provides add-on coverage options for rental cars, roadside assistance, accident forgiveness, and ride-sharing.

The company has received mixed reviews, with some customers praising its customer service, technology, and pricing, while others have complained about issues with claims handling, coverage, and unexpected price increases.

Overall, Travelers Insurance is a good option for individuals and families looking for auto coverage with multiple discount opportunities and low starting rates. However, the extra fees for add-ons like rental car coverage and roadside assistance may make it less appealing to those seeking an all-inclusive insurance policy.

Pros and cons of Travelers Auto Insurance

Pros

• Travelers offers a wide range of coverage options, including standard liability, collision, uninsured/underinsured motorist, medical payments, personal injury protection, and comprehensive insurance.
• Travelers has lower-than-average rates, especially if you have poor credit or a driving violation.
• The company has a "Superior" rating from AM Best, indicating strong financial strength and the ability to pay out claims.
• Travelers offers a variety of discounts, including bundling discounts, safe-driver discounts, and good-student discounts.
• Travelers offers accident and violation forgiveness every three years, as well as a discount for hybrid vehicles.
• Travelers has fewer customer complaints than comparable companies, according to the National Association of Insurance Commissioners (NAIC).
• Travelers has a long history in the industry, dating back to 1853, and is one of the top writers of personal insurance in the US.
• Travelers offers an easy claims process, with the option to file claims online, through their mobile app, or over the phone.
• Travelers offers rideshare coverage in Colorado and Illinois.

Cons

• Travelers has received mixed customer reviews, with some complaining about unexpected claim denials and poor customer service.
• Travelers has lower-than-average customer satisfaction ratings, according to J.D. Power.
• Travelers does not offer rideshare coverage in all states.
• Travelers is not available in Alaska, Hawaii, Louisiana, Michigan, North Dakota, South Dakota, West Virginia, or Wyoming.

Discounts and add-ons offered by Travelers

Travelers offers a range of discounts and add-ons for its customers. Here are some of the key discounts and add-ons offered:

Discounts

• Multi-policy discount: Customers can save on their Travelers home or car insurance when they purchase multiple policies with the company. This includes additional savings on renters insurance if the customer has an umbrella, boat, or personal articles floater policy with Travelers.
• Protective device discount: This discount is offered for homes or rented properties with protective devices such as smoke detectors, fire alarms, interior sprinkler systems, home security systems, or smart home technology.
• Green home discount: Customers with homes certified as "green homes" by the Leadership Energy and Environmental Design (LEED) organization can save up to 5% on their home insurance.
• Safe Driver Discount: Customers with no accidents, violations, or major comprehensive claims in the past three to five years may be eligible for a discount on their car insurance.
• Continuous insurance discount: Customers who have continuously held car insurance with Travelers with no gaps in coverage may be eligible for a discount.
• Hybrid/electric car insurance discount: Travelers offers a discount for customers who own or lease hybrid or electric vehicles.
• Early quote discount: New Travelers customers who get an auto quote before their current policy expires may be eligible for a discount on their auto insurance.
• Good Student Discount: Policyholders with drivers who are enrolled in high school or college and maintain a "B" average or better may qualify for a discount on car insurance.
• Student Away at School Discount: If a dependent on the policy goes to school at least 100 miles away and won't be driving the insured cars, the policyholder may qualify for a discount.
• Driver Training Discount: Travelers offers a discount for young drivers who have completed an approved driver education course.

Add-ons

• IntelliDrive: This is a program that rewards safe driving with savings. By enrolling in IntelliDrive, customers can save up to 30% on their car insurance by demonstrating safe driving habits. The program uses a smartphone app to evaluate driving behavior over a 90-day period.
• Defensive Driving Course: Completing an approved defensive driving course can lead to a discount on Travelers car insurance, depending on the state, age, and other factors.

Customer reviews of Travelers Auto Insurance

Positive Reviews

One customer, who has been insured with Travelers for five years, says that the company has "taken very good care" of them. They report that Travelers did an "excellent job" of handling their claims after both they and their wife had accidents. They also praise the company's customer service as "top notch" and say that its technology is "1st level". They add that Travelers beat its competitors on price.

Another customer writes that Travelers is "by far the best insurance company" they have ever had. They explain that the company's customer service is "top-notch" and that its app is "very user-friendly". They also praise Travelers for its quick response times and good communication.

Other positive reviews mention Travelers' "quick response times", "good communication", and "great claims services".

Negative Reviews

One customer writes that Travelers is "by far the worst insurance company" they have ever had. They explain that the company denied their claim and that its customer service was "rude" and "dishonest". Another customer complains that Travelers is "not lenient" and does not "care to be". They add that the company treated them like they were the "middle child".

Other negative reviews mention Travelers' "condescending, lazy adjusters", "poor customer service", and "unresponsive" staff. Some customers also complain about unexpected claim denials and high costs.

How to buy car insurance from Travelers

If you're looking to buy car insurance from Travelers, there are a few simple steps you can follow to get the coverage you need. Here's a guide to help you through the process:

• Determine the Level of Coverage You Need: Start by assessing your insurance needs. Consider factors such as the minimum coverage requirements in your state, the value of your vehicle, and your risk tolerance. Remember that the cheapest policy may not provide collision or comprehensive coverage, which protects your car in case of an accident or other types of damage.
• Review the Financial Health of Travelers: Before purchasing car insurance, it's important to ensure the financial stability of the insurance company. Check independent ratings from agencies like A.M. Best, Fitch, Moody's, and Standard & Poor's to assess Travelers' ability to pay out claims.
• Get a Quote from Travelers: Contact a local independent agent or a Travelers representative to get a quote for the coverage you need. You can also use Travelers' online quoting tool to get a car insurance quote. Provide accurate information about your vehicle, driving history, and coverage requirements to receive a precise quote.
• Compare Quotes from Multiple Insurers: Don't settle for the first quote you receive. Shop around and get quotes from multiple insurance companies, including Travelers. This will help you understand the market rates and ensure you're getting a competitive price for the coverage you need.
• Ask About Discounts: Travelers offers a range of discounts that can help lower your premium. Ask about discounts for bundling policies (e.g., car and home insurance), insuring multiple vehicles, being a good student, having a safe driving record, or using electronic funds transfer for payments.
• Review the Policy and Make a Purchase: Once you've received a quote from Travelers and compared it with other options, carefully review the coverage details, policy limits, and deductibles. Ensure that the policy meets your needs and budget. If you're satisfied, proceed with purchasing the car insurance policy from Travelers.
• Regularly Review and Update Your Policy: It's important to periodically review your car insurance coverage to ensure it remains appropriate for your changing needs. Contact your Travelers representative or local independent agent to update your coverage options, policy limits, or personal information as needed.

By following these steps, you can confidently purchase car insurance from Travelers, knowing that you have the right coverage to protect yourself, your loved ones, and your vehicle.

Is Travelers good car insurance?

Travelers Insurance is one of the largest providers of auto insurance policies in the United States. It offers a wide range of coverage options and discounts to help drivers customise their car insurance policies. The company has received recognition and numerous awards for its services, including a 9.5 out of 10 rating from MarketWatch, which named it the "Best for Most Drivers" in 2024.

Travelers Insurance offers highly rated mobile apps for iOS and Android, which allow customers to pay bills, file a claim, call for roadside assistance, and view policy documents. The company also provides online and mobile app claim filing, as well as policy management.

Travelers Insurance has received positive reviews for its affordable rates, wide variety of coverage options, and great customer service. The company has an A++ rating for financial strength and has been recognised for having fewer customer complaints than expected for a company of its size.

However, there are some negative reviews, with some customers reporting issues with claim handling and customer service. There have also been complaints about unexpected rate increases and issues with policy cancellation. Overall, Travelers Insurance is a good option for car insurance, but it is always recommended to get quotes from multiple companies to find the best coverage and rates.

Frequently asked questions