Travelers Auto Insurance Review

Travelers Auto Insurance Review
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Considering purchasing Travelers Auto Insurance? You’ve come to the right place. Even though purchasing car insurance may seem like a pretty mundane task, seeking out reviews will help set companies apart.

Considering a provider’s history, customer service, discounts, and other perks will undoubtedly distinguish one insurance company from another and help influence your final choice.

Through this review, we’re looking at multiple facets of Travelers Car Insurance, ranging from coverage options to its financial strength ratings. Bottom line? Learning more about Travelers is as easy as sticking with us. You can also begin comparing quotes by entering your zip code into our free car insurance comparison tool.

Travelers Insurance: History

Travelers Car Insurance has been in the insurance business for over 150 years. It was founded in 1864 by J.G. Batterson and nine others with the goal of protecting travelers against personal injury or loss of life while they were traveling by steamboat or railway. It wasn’t until 1897 that the company issued its first automobile policy.

Travelers Auto Insurance Policies

Travelers Car Insurance has seven basic types of car insurance coverage types. They are:

  • Liability
  • Collision
  • Comprehensive
  • Bodily injury
  • Property damage
  • Medical payments
  • Uninsured/Underinsured Motorist

Liability coverage is the minimum coverage available and is required by law in most states. The amount of liability coverage you are required to purchase varies from state to state. Liability insurance covers damages and/or injury to another person that results from a car accident in which the insured was involved.

Collision and comprehensive coverage can be added to liability coverage. Collision insurance covers repair costs to your vehicle when damages occurred due to it colliding with another car or object. Comprehensive insurance covers damage to your vehicle that is the result of something other than a collision. Events covered by comprehensive insurance would include theft, vandalism, windstorm, hail, flood, impact with animals and water damage.

Travelers Car Insurance also provides bodily injury insurance and property damage insurance. Bodily injury insurance protects the insured from claim and litigation costs that can occur after an accident in which they were deemed to be at fault. Property damage insurance will cover the cost of damages you might cause to someone else’s vehicle or property as the result of an automobile accident.

Travelers Car Insurance also has medical payments insurance and uninsured/underinsured motorist insurance policies. Medical payments insurance helps to pay medical expenses of the insured and their passengers that are incurred as the result of a car accident. Uninsured/underinsured motorist insurance covers injuries caused by accidents in which the other driver is uninsured, underinsured or leaves the scene.

Travelers Auto Insurance Coverage Options

Some additional coverage options that Travelers Car Insurance offers include:

  • Rental reimbursement
  • Towing and labor
  • CD/DVD
  • Death and indemnity
  • Loan/Lease Gap coverage

Rental reimbursement will cover the cost of a rental vehicle while your car is in the shop being repaired provided the damage was covered by collision or comprehensive and the repairs will take longer than 24 hours.

Towing and labor cover the cost of labor for the tow truck driver and the expense of having your car towed to the nearest repair shop.

CD/DVD coverage will cover the cost to replace CDs and DVDs if they are stolen from your vehicle.

Death and indemnity insurance pays a specified amount to your beneficiary if you die in a car accident.

Loan/lease gap coverage is designed to pay the difference between the cash value of a leased or financed vehicle and the unpaid principle due in the event that the vehicle is totaled in an accident.

Travelers Car Insurance also advertises 24/7 claim handling, a nationwide guaranteed auto repair program, and partnerships with auto glass repair shops that can repair broken or cracked mirrors or windows at your office or home.

Travelers Car Insurance Discounts

Travelers Car Insurance offers several discounts if you qualify. This includes:

  • A multi-car discount
  • Hybrid auto discount
  • Good drivers, often those with good driving records or those who have attended a defensive driving course
  • Discounts for air bags, passive restraints, and antilock brakes
  • Discounts for anti-theft devices
  • Students with good grades, usually a B or better

It’s also important to note that those who chose to bundle their homeowners or other Travelers policy with their car insurance policy can also save on their premiums.

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Travelers Insurance Payment Options

Travelers Car Insurance offers its customers many payment options.

Payments can be automatically transferred either from a checking or savings account as an electronic funds transfer or charged automatically to a MasterCard or Visa monthly or per policy term.

Payments can also be made on-line directly, on-line through bank drafts, by U.S. mail, or by phone.

Pay by Phone features voice recognition and is not available to automobile policyholders in Massachusetts.

Travelers Insurance Financial Strength Ratings and Reviews

Given the heavy financial pressures stressing even the most solid institutions, it is not a bad idea to consider an insurance company’s financial strength and stability when deciding where to purchase your policy.

Companies like AM Best, Fitch, Moody’s and Standard & Poor’s rate insurance companies on their financial strength and credit standing.

Prospective customers looking to discover more about Travelers should also take a closer look at its social media presence. By browsing a provider’s social media profiles, which range from Facebook to Instagram, drivers can learn more about the company, its branding, and new programs and incentives.

Travelers Auto Insurance Quotes

Given its coverage options, discounts, and programs, Travelers Car Insurance may sound like a company that you would be interested in doing business with. But why not compare Travelers Car Insurance quotes to those of a few of their competitors to make sure that you are getting the best price for your automobile insurance policy?

We’re glad you asked. You can begin now by using our free car insurance comparison tool. Just enter your zip code to begin.

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