Travelers Car Insurance Review

Customers searching for excellent service may want to look further than at Travelers Insurance’s extensive assortment of goods. Visit our Travelers Car Insurance Review page for more information.

Travelers insurance Pros and Cons

Pros

Travelers Car Insurance Review - Travelers Logo
  • Home, vehicle, and pet insurance are all available via Travelers.
  • It is possible to save money in several ways.
  • There are advantages for environmentally aware homeowners.

Cons

  • We have fewer policy alternatives than our rivals.

Travelers auto insurance ratings

Throughout its time in the nation, the corporation also served as a pioneer in the creation of various other insurance-related technologies. It began in 1864 as a railroad passenger travel insurance firm. Customers may now choose from a variety of vehicle insurance plans and coverages, as well as non-auto insurance options.

Learn about the plans, advantages, and savings related to holiday vehicle insurance by reading our review.

  • Claims satisfaction (J.D. Power)J.D. Power‘s 2020 Claims Satisfaction Study gave travelers a lower-than-average grade.
  • Customer satisfaction (J.D. Power) — According to J.D. Power’s research from 2021, travelers’ overall customer satisfaction is below average.
  • Financial strength — Superior. It’s more probable that travelers will be able to settle their claims because of their better financial standing.
  • NAIC Rating — Travelers saw fewer complaints in 2020, the NAIC reported.

Travelers car insurance coverage options

There is a significant rival to Travelers in the form of State Farm, which provides complete liability and PIP for both insured and uninsured drivers. Here are several Travelers car insurance policy alternatives to consider for the future, such as additional coverage and insurance.

Accident forgiveness

Accident forgiveness, which waives your premium if you have one accident every 36 months, is one of two unique types of car insurance offered by travelers. Small traffic violation forgiveness is included in the plan, so your rates won’t go up if you receive a ticket once every 36 months for a minor traffic infraction.

If you enroll in their Premier Responsible Driver Plan®, your insurance will also cover injuries and damage to property. You’ll be eligible for a $50 credit if none of the drivers on your insurance have had any accidents or severe violations in the preceding six months. If you have a covered loss, this credit will be applied to your deductible. You won’t owe anything if your automobile is wrecked.

Lease or loan gap insurance coverage

The real cash worth of an automobile after depreciation is what most lease and loan customers may expect to receive in the case of a complete loss. It’s possible that if you sell your automobile for less than what you owe on the loan (or lease), you’ll wind up paying even more money. Protecting yourself against unanticipated expenses with gap insurance frees up your financial resources so you can concentrate on other areas.

New car replacement

A comparable make and model will be provided to you if your new automobile is destroyed during the first five years of ownership. Some insurance companies cover the first one to three years of ownership, although this is not always the case. Most customers combine this option with lower auto glass insurance deductibles and the aforementioned lease/loan gap insurance to create a comprehensive vehicle insurance plan.

Rental car coverage

Vehicle damage that needs more than 24 hours of repair after an insured loss is the responsibility of the traveler.

Roadside assistance

The two options available to drivers in an emergency are Basic Roadside Assistance® and Premier Roadside Assistance®. The most basic towing services include up to 15-miles of typical roadside help, such as jumpstarting a car, changing a flat tire, and unlocking a door. Additional advantages such as Travelers’ Premier Roadside Support® may be available to you in addition to standard roadside assistance. If your vehicle breaks down and can’t be fixed within 24 hours, trip interruption insurance covers your food and housing expenses while you wait. If your personal possessions are stolen or damaged due to a covered loss, you’re covered up to $500 in personal property coverage.

Travelers insurance discounts and rewards programs

Insurance premiums are influenced by where you live and your driving record. This, on the other hand, is optional. Find out whether any auto insurance companies provide plans with at least one discount, whether you’re in the market for new coverage. Travelers provide policyholders with a number of options to help them save money.

Discounts based on your policy

  • Multi-policy. It’s a good idea to check into Travelers’ savings when purchasing insurance from a single provider. If you combine your car and Travelers home insurance policies, you might save 10% on your premiums. If you combine your renter’s and vehicle insurance policies, you could save 5% on your monthly.
  • Multi-car. You may save up to 8% if you insure several cars with the same company.
  • Continuous insurance. Gaps in insurance coverage might result in a 15% discount.
  • Early quote. You may save 3-10 percent on new Travelers insurance if you’re a new client and get a quotation before your existing policy expires.
  • Billing. Get a discount of up to 15% if you pay consistently and on time.

Discounts based on the driver or vehicle

  • Safe driver. Your driving record is spotless, therefore you’ve never rented a vehicle before. Up to 10% off your next rental vehicle and up to 23% off if you haven’t had any fines or moving infractions in the last five years may be available to you.
  • New car.  If you purchase or already possess a new car that is less than three years old, you may save up to ten percent on your car insurance.
  • Homeownership. Even if you don’t have condo or house insurance with Travelers, you may
  • Hybrid/electric vehicle. If you buy or lease a hybrid or electric car, your auto insurance costs may be decreased.

Discounts for young drivers

  • Good student. Students with a “B” average or who place in the top twenty percent of their class get a discount from Travelers.
  • Student away at school. A 7 percent discount on vehicle insurance may be available to students who don’t drive and don’t live within 100 miles of you.
  • Driver training. After finishing the course, you may expect to save up to 8% on your insurance premiums.

Travelers insurance bundling options

Travelers gives you the option to combine your insurance policies, which saves you money and streamlines payments.

How to cancel Travelers insurance

To cancel your Travelers insurance, call 1-800-842-5075 and ask to speak with a customer service representative. Even if you can’t get a cancellation, a Travelers insurance agent may be able to help. Your insurance company’s customer service representative can help determine if you owe an early cancellation charge or have pre-paid your insurance for the next year. Make certain you have a replacement policy in place before canceling your present one.

To cancel your Travelers insurance coverage, follow these steps:

  1. Please include your account number and any relevant customer information.
  2. Please ask that your current contract and future payments be stopped immediately.
  3. Give genuine answers to any further queries.
  4. Suggest that an email be sent to confirm the order.

Can I cancel Travelers insurance in the middle of my policy term?

Yes. Travel insurance policies may be canceled at any time throughout the policy period. To avoid any coverage gaps, create a backup plan before terminating your current insurance. Before canceling your current Travelers insurance, consider shopping around and comparing rates for new coverage.

Travelers insurance online features

Owners of Travelers insurance may use their MyTravelers® accounts to access online services. Customers may do the following tasks using the web portal:

  • Report claims
  • Pay bills
  • Set up automatic payments
  • See policy and billing info
  • View/print insurance cards

Travelers mobile apps

Travelers policyholders have access to the following programs. Previously, in the section on vehicle insurance savings, we discussed Travelers’ telematics program in further depth.

  • Travelers Photo Capture Auto. The application’s user interface provides visual assistance and video lessons to help policyholders file a car claim.
  • Travelers Mobile. This software allows you to manage ID cards, pay invoices, make policy changes, and more.

Visit our review of Titan Car Insurance Review for one more car insurance review.