Travelers Car Insurance Review 2024 Travelers offers affordable car insurance for a wide range of drivers, including both safe drivers and those with a history of speeding tickets. Additionally, it provides various optional coverage options, making it a favorable option for comparison shopping. With so many car insurance companies out there, it can be overwhelming trying to find the right one for your needs. That’s why we’re here to help! In this Travelers Car Insurance Review 2024, we’ll take a comprehensive look at what Travelers has to offer and whether it’s the right choice for you. From coverage options to customer service, we’ll dive into all the important details so you can make an informed decision about your car insurance provider. So, buckle up and let’s hit the road to discover if Travelers is the perfect match for you.
Travelers Car Insurance Review 2024
Travelers Car Insurance continues to receive positive reviews in 2024. With a wide range of coverage options and competitive rates, Travelers is a popular choice among drivers looking for reliable car insurance.
Pros & Cons
Travelers car insurance is a popular choice for many drivers, and for good reason. With a solid reputation and a wide range of coverage options, Travelers offers peace of mind and protection on the road. One of the pros of choosing Travelers car insurance is their excellent customer service. Their representatives are known for being helpful, responsive, and knowledgeable, making it easy to get the answers you need and resolve any issues that may arise. Additionally, Travelers offers a variety of discounts and rewards programs, allowing policyholders to save money on their premiums. Whether you’re looking for basic coverage or comprehensive protection, Travelers has options to suit your needs. So if you’re in the market for car insurance in 2024, be sure to consider Travelers as a top contender.
Pros
- Travelers’ Responsible Driver Plan features optional coverage of accident forgiveness and minor violation forgiveness. And if you upgrade to a Premier Plan, you also get a decreasing deductible and a deductible waiver if your vehicle is totaled.
- Offers a new car replacement and gap insurance.
- Has a low level of complaints made about it to state insurance departments.
Cons
- Doesn’t offer SR-22 insurance.
- Its rideshare insurance is sold in only a couple of states.
- Collision repair experts find Travelers’ collision repair process to be only average, giving it a C grade.
About Travelers Car Insurance
Travelers Car Insurance is a well-established insurance company that has been providing coverage for drivers for many years. With a solid reputation and a wide range of coverage options, Travelers Car Insurance is a popular choice for many car owners. In our 2024 review, we found that Travelers offers competitive rates and discounts for safe driving, as well as a variety of coverage options to meet the needs of different drivers. Their customer service is highly rated, with prompt and helpful assistance available when needed. Overall, Travelers Car Insurance is a reliable choice for those looking for quality coverage and excellent customer service.
Travelers Car Insurance Cost Comparison for Good Drivers
Travelers offers competitive car insurance rates for responsible drivers, with an average rate that is approximately $500 lower than the $2,026 national average among the companies we studied.
Travelers Car Insurance Cost Comparison for Drivers With a Speeding Ticket
Travelers offers decent prices for drivers with a speeding ticket on their records. Travelers’ average car insurance cost for drivers with a speeding ticket is below the national average of $2,533 a year.
Travelers Car Insurance Cost Comparison for Drivers Who Caused an Accident With an Injury
Travelers offers competitive prices for drivers responsible for accidents causing injury to others, with auto insurance rates more than $700 lower than the national average of $3,009 per year. If you’ve caused an accident, it’s wise to comparison shop by getting multiple car insurance quotes because of the wide range of rates among companies.
Travelers Car Insurance Cost Comparison for Drivers With a DUI
Travelers offers competitive auto insurance rates for drivers with a DUI. The national average cost of car insurance for drivers with a DUI is $3,363 per year, and Travelers’ annual average price is approximately $750 lower than that.
Travelers Car Insurance Cost Comparison for Drivers With Poor Credit
Travelers offers competitive car insurance rates for drivers with poor credit compared to other major insurers we reviewed. Their rates are more than $1,100 lower than the national average of $3,847 per year. Insurance companies have argued that a driver’s credit score is linked to their likelihood of filing a future car insurance claim, resulting in higher insurance rates. California, Hawaii, Massachusetts, and Michigan prohibit the use of credit history in determining auto insurance rates.
National average annual cost for drivers with poor credit By Company
Travelers Car Insurance Cost Comparison for Adding a Teen Driver
Adding a teenage driver to a policy with Travelers’ auto insurance can result in higher costs compared to the national average.
Average cost nationwide
Our study revealed that the average cost nationwide is $2,359 annually among the insurers we examined, with Travelers’ rates being almost $370 higher.
Car insurance policy For 16-year-old driver
This means that parents may need to budget over $2,000 per year to include a 16-year-old driver in their car insurance policy.
Increase per year for adding a 16-year-old driver By Company
Travelers Car Insurance Cost Comparison for Young Drivers Ages 18 to 25
Travelers offers some of the most affordable car insurance rates for drivers aged 18 to 25 compared to other insurers we examined.
Prices
Their prices are more than $1,000 lower than the national average of $3,704 per year.
Young drivers auto insurance policies
These rates apply to young drivers with their own auto insurance policies.
Possible help from lower car insurance expenses
Typically, keeping a young driver on a parent’s policy for as long as possible can help lower car insurance expenses.
National average annual cost for young drivers By Company
Travelers Car Insurance Cost Comparison for Senior Drivers Ages 65 to 80
For drivers aged between 65 to 80 years, Travelers provides reasonably priced car insurance policies.
Leading insurance Policies
According to our assessment of leading insurance providers, the national average for such policies is approximately $2,150 per year.
Cost of car insurance Factors
It is important to note that the cost of car insurance can vary depending on various factors such as driving history, location, type of vehicle, and coverage requirements.
Compare Options
Therefore, it is essential to compare different options before finalizing a policy that suits your needs and budget.
National average annual cost for senior drivers By Company
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Auto Insurance Complaints Against Travelers
Travelers auto insurance has fewer car insurance complaints compared to numerous major insurers, as reported by state insurance departments nationwide. Complaints about Travelers are also significantly lower than the industry average. The primary auto insurance complaints for Travelers pertain to delays in claims, unsatisfactory settlement offers, and claim denials.
Travelers Insurance Grade from Collision Repair Professionals: C
According to a survey conducted by CRASH Network, Travelers received a C grade from collision repair professionals. The insights of these professionals are significant as they assess the use of lower-quality repair parts, adherence to car makers’ repair procedures, and the efficiency of claims processes by auto insurers.
Does Travelers Offer Accident Forgiveness?
Travelers provides optional accident forgiveness insurance to customers with good driving records and offers two accident forgiveness programs.
- The Responsible Driver Plan combines accident forgiveness with minor violation forgiveness.
- The Premier Responsible Driver Plan combines the features of the Responsible Driver Plan with a Decreasing Deductible and a Total Loss Deductible Waiver. The Decreasing Deductible may lower your deductible if you don’t get into an accident or get cited for a major traffic violation for a period of time, and can save you up to $500. Total Loss Deductible Waiver removes the deductible if your vehicle is a total loss.
Does Travelers Offer New Car Replacement?
Travelers offers a new car replacement coverage called Premier New Car Replacement, which replaces your vehicle with a new one of the same make and model if it’s totaled within the first five years, with the exception of fire, larceny, theft, and flood losses. This optional coverage is available to the original vehicle owner and also includes gap coverage and a reduced deductible for glass-only claims.
Does Travelers Offer Gap Insurance?
Travelers offers loan or lease gap insurance, which is included in Travelers’ Premium New Car Replacement plan. This type of insurance covers the amount you still owe on your vehicle if it is totaled and the insurance company’s payment is less than what you owe. It is particularly beneficial for owners of new cars who made a small down payment.
Does Travelers Offer a Diminishing Deductible?
Certainly! Here’s the rephrased text: “Travelers offers a decreasing deductible option as part of its Premier Responsible Driver Plan. This feature lowers the deductible for drivers in the program who remain accident-free and do not receive major traffic violations. The deductible decreases by $50 every six months or $100 every year, depending on the policy, and has the potential to decrease by as much as $500 over five years. Additionally, the Premier Responsible Driver Plan includes accident forgiveness, minor violation forgiveness, and waives the deductible in the event of a total loss of the vehicle.”
Does Travelers Offer SR-22s?
Travelers usually does not offer SR-22 insurance. Some states may demand an SR-22 certificate from drivers following a DUI, multiple driving violations, or driving with a suspended license. This certificate ensures that the driver has car insurance.
Does Travelers Offer Usage-Based Insurance?
Certainly! Here’s the rephrased text: Travelers provides a usage-based insurance program called IntelliDrive, which uses a smartphone app to monitor driving habits. Participants may receive a discount, with safe drivers potentially getting up to a 30% discount at policy renewal, while riskier drivers may face higher premiums. IntelliDrive assesses speed, braking, acceleration, distraction, and driving times.
In some states, Travelers offers IntelliDrivePlus, a continuous driving program that extends beyond 90 days. New customers can save up to 12% in the first year by signing up for IntelliDrivePlus and may be eligible for a 30% renewal discount based on their driving behavior. The program also tracks mileage for low-mileage discounts, but drivers with poor habits and higher mileage could face increased rates.
Does Travelers Offer Pay-Per-Mile Insurance?
Travelers does not provide pay-per-mile car insurance. Pay-per-mile insurance involves a base rate and a per-mile rate paid by the driver. Individuals who do not use their vehicle frequently or only drive locally may find a pay-per-mile policy advantageous.
Does Travelers Offer Rideshare Insurance?
Travelers provides rideshare insurance in Colorado and Illinois, which can supplement coverage for drivers working for transportation network companies like Uber and Lyft. The rideshare endorsement covers the period when the driver activates the ridesharing app and waits for a passenger to accept a ride, addressing gaps in transportation network company policies.
More Travelers Car Insurance Options
Travelers offers car insurance along with additional options for customizing a policy, including:
- Roadside assistance. If you are stranded on the side of the road, this covers services such as towing, changing a flat tire, refueling, locksmith and jump-starting a dead battery.
- Rental reimbursement auto insurance. This pays for a rental car or other transportation costs (like subway fare) if you cannot drive your car due to a problem covered by your policy.
Travelers Car Insurance Discounts
- Continuous insurance discount: If you have had your car insurance policy continuously with Travelers (meaning no gaps in your insurance history), you may see savings.
- Driver training discount: You may save if you hone your driving skills in an approved driver education course.
- Early quote discount: Available if you are a new customer who gets an auto insurance quote before your current policy expires.
- Good student discount: High school or college students with “B” averages or higher can receive a discount.
- Home ownership discount: See savings if you own your house or condo, even if it’s insured by a different company.
- How you pay discounts: Pay with an electronic funds transfer, payroll deduction or paying your premium in full to receive a discount.
- Hybrid/electric vehicle discount: You can get a discount for insuring an electric or hybrid car.
- Multi-car discount: Receive a discount for insuring more than one car with Travelers.
- Multi-policy discount: Save as much as 13% on your auto insurance premium when you buy homeowners insurance, condo insurance or another insurance policy from Travelers.
- New car discount: Discount for drivers who own a new car or a car that is less than three years old.
- Safe driver discount: For Travelers customers who have had no accidents, traffic violations or major comprehensive claims in the household in the past three to five years.
- Student away at school discount: A discount can be granted If you have a student who goes to school at least 100 miles away from your home and won’t be driving your car.
More Insurance from Travelers
Travelers offers insurance for homes, condos, and renters, including landlord insurance for rented homes. They also provide insurance for boats, yachts, as well as wedding and events insurance to cover unforeseen issues during big gatherings.
About Travelers Car Insurance
Travelers has been operating in the property casualty insurance industry for over 165 years. It was originally formed by the merging of Travelers and the St. Paul Fire and Marine Insurance Co. The first Travelers policy was sold in 1864 for 2 cents, and in 1855, the St. Paul Fire and Marine Insurance Co.
Travel Car Insurance Spreading
paid its first claim due to a fire spreading from a bakery to offices. In 2004, the two companies merged to form The St. Paul Travelers Cos, and in 2007, the company rebranded as The Travelers Cos. Presently, Travelers has a workforce of 30,000 employees and 13,000 independent agents and brokers who cater to customers for personal, business, and specialty insurance needs.
What States Does Travelers Car Insurance Operate In?
Travelers auto insurance is available in 42 states and Washington, D.C. It is not available in:
- Alaska
- Hawaii
- Louisiana
- Michigan
- North Dakota
- South Dakota
- West Virginia
- Wyoming
Methodology
We assessed every car insurance company to determine the top ones by considering their average rates for different drivers, the coverage options available, company complaints, and collision repair ratings from auto body experts.
Auto insurance rates (50% of score)
We utilized data provided by Quadrant Information Services to calculate the average rates for various driver profiles, including good drivers, those with a history of accidents, speeding tickets, DUIs, poor credit, driving without insurance, adding a teen driver, senior drivers, and young drivers.
Travel Car Insurance Rates For Female Driver
The rates are based on coverage for a 40-year-old female driver with a Toyota RAV4, unless specified otherwise.
Travel Car Insurance Packages Wise Rates
- $100,000 for injuries to one person, $300,000 for injuries per accident and $100,000 of property damage (known as 100/300/100).
- Uninsured motorist coverage of 100/300.
- Collision and comprehensive insurance with a $500 deductible.
Car insurance coverage options (25% of score)
All auto insurance companies can offer fundamental liability insurance, collision and comprehensive coverage, and other typical options.
Extra coverage types
However, it’s crucial to have the option for extra coverage types that offer enhanced protection or potential savings.
Awarded points to companies
Within this category, we awarded points to companies that provide accident forgiveness, new car replacement, disappearing deductibles, usage-based or pay-per-mile insurance, and SR-22s.
Complaints (20% of score)
Complaint data from the National Association of Insurance Commissioners was utilized. Each state’s department of insurance is responsible for recording and overseeing complaints against companies operating within their respective states.
Majority of auto insurance complaints Solving
The majority of auto insurance complaints revolve around claims, such as dissatisfaction with settlements, delays, and denials.
Complaints Ratio
Companies with a ratio below 1.00 have a lower incidence of complaints compared to the industry complaint average of 1.00.
Collision repair (5% of score)
We included evaluations of insurance companies by collision repair experts, using data from CRASH Network, a weekly newsletter that focuses on the collision repair and auto insurance industries.
Insurer Report Card
The Insurer Report Card from CRASH Network used ratings from over 1,000 collision repair professionals to assess the quality of auto insurers’ collision claims service.
Customers Service Response
Customers appreciate the ease of filing claims and the efficient customer service provided by Travelers.
Discounts And Rewards
Additionally, Travelers offers various discounts and rewards programs that can help you to save money on their premiums.
Overall Travelers Car Insurance Performance
Overall, Travelers Car Insurance remains a trusted and reputable option for drivers seeking comprehensive coverage and excellent customer support.
Responsive claims process
Additionally, their responsive claims process and helpful customer support team make dealing with accidents or incidents hassle-free.
Travelers Reliability
If you’re in the market for car insurance, consider Travelers for reliable coverage and peace of mind on your journeys.
Travelers Auto Insurance Reviews Our team Rates
Travelers Auto Insurance Reviews Our team rates Travelers auto insurance a 9.5 out of 10.0 and names it Best for Most Drivers for 2024.
Key Performance Score
The score of “9.5” was aggregated from five key performance areas including: industry standing, availability, coverage, cost and customer experience.
Summary
Travelers Car Insurance is a reputable insurance company that provides comprehensive coverage and excellent customer service. With a wide range of coverage options, including liability, collision, and comprehensive coverage, Travelers ensures that you have the protection you need on the road. Their competitive rates and discounts make it an affordable choice for many drivers.
Faqs
How do I file a claim with Travelers?
You can report a claim through the Travelers website or app, though the company recommends calling if anyone was injured in the accident or there’s significant property damage.
In what states does Travelers sell auto insurance?
Travelers offers auto insurance policies in all states except Alaska, Hawaii, West Virginia, Louisiana, Michigan, South Dakota, North Dakota, Wyoming. Travelers also sells car insurance in Washington, D.C.
How do I get a Travelers quote?
You can get a quote on the Travelers website, call the company directly or work with a local agent.
How can I contact Travelers?
You can reach Travelers customer service 24/7 at 866-336-2077. Travelers also offers direct phone numbers to various departments depending on what you need help with, including help with roadside assistance, policy questions and technical issues.
Why is Travelers so expensive?
Travelers is so expensive because car insurance is expensive in general, due to rising costs for insurers. But at $639 per year, the average Travelers car insurance policy is actually cheaper than coverage from most competitors. In fact, Travelers is one of the cheapest car insurance companies nationally.
What is the rating of travelers insurance?
Travelers auto insurance earns a 9.5 out of 10.0 rating and a recognition as the “Best for Most Drivers” for its flexible coverage and add-ons for drivers.
