Travelers offers the standard coverages you'd expect from an auto insurance company with few unique perks. And the company has average-to-high base rates, but can become much more affordable if you qualify for its discounts.
Travelers auto insurance coverages
As one of the largest and oldest insurance companies, Travelers offers its customers all of the coverage options that most other national insurance companies do. Beyond the standard coverages, Travelers offers a few unique optional coverages, such as premier new-car replacement and two accident forgiveness plans.
Loan or Lease Gap Insurance: If your vehicle is involved in a total loss, this optional coverage pays for the difference between the actual cash value of your car and the unpaid portion of your loan or lease. For instance, if you purchased or leased a 2015 Toyota Camry that is now worth $10,000, but you have an unpaid loan or lease balance of $13,000, loan or lease gap insurance would pay for the $3,000 difference. Without the coverage, you’d have to pay the $3,000 out of pocket.
Premier New Car Replacement: This optional coverage functions as a bundle for new car owners, which includes new-car replacement coverage, loan or lease gap coverage, and a glass deductible feature. The standout feature of the bundle is the new-car replacement coverage, which covers the cost of a new car if your vehicle is totaled in a covered loss. Losses stemming from fire, theft, larceny and flood are excluded from the coverage. The loan or lease gap coverage functions in the same manner as if you were to purchase it as a single endorsement. The glass deductible feature lowers your deductible for a glass-only loss. Any claim involving your windshield, windows, exterior lights or mirrors is eligible.
Accident Forgiveness Plans: Travelers offers accident forgiveness through two hybrid programs marketed as discounts: the Responsible Driver Plan and the Premier Responsible Driver Plan. Accident forgiveness programs cancel the increase in a driver’s rates after an at-fault accident, which can save you hundreds of dollars over the term of your policy. Below is a table illustrating the plan’s estimated cost for a 30-year-old driver with a 2015 Toyota Camry and the two programs’ features.
| Responsible Driver Plan | $95 | Forgives one accident and one minor violation every three years. |
| Premier Responsible Driver Plan | $146 | Forgives one accident and one minor violation every three years. Provides a waiver for your deductible if your car is totaled. Reduces your deductible by $50 every six months that you’re accident-free, up to a $500 limit. |
Ride Sharing: Prospective policyholders in Colorado and Illinois have the option to add coverage when driving for Uber, Lyft or other ridesharing apps. If you don’t have a similar coverage, it’s likely you’re not covered when driving for a ridesharing app. The endorsement provides coverage after opening your mobile app but before picking up a passenger. Once you pick someone up, the ridesharing company’s insurance will provide you with coverage.
Rental Car Coverage: Rental car coverage reimburses you for the cost of a rental vehicle if your car is involved in a covered accident. Coverage starts at $30 per day, and the maximum available is $100 per day. While the cost will vary depending on your vehicle type, you can expect to pay around $20 per year for the lower end of coverage and around $50 per year for the maximum coverage. To use Travelers’ rental car coverage, your vehicle must be out of commision for at least 24 hours. Rental car coverage applies to specific vehicles rather than people, meaning that you must pay more if you want to have coverage for another vehicle.
Roadside Assistance: If you want roadside services, such as a jump-start, fuel delivery, tire change or lockout assistance, you’ll want to purchase this optional coverage. Travelers offers two tiers of roadside assistance: basic roadside assistance and premier roadside assistance. The former provides a towing service up to 15 miles, while the latter provides the service up to 100 miles. Premier roadside assistance also includes trip interruption coverage, which provides $600 (maximum of $200 per day) of reimbursement for food and lodging if your vehicle breaks down. Trip interruption coverage only applies if your car breaks down more than 100 miles away from home and the vehicle is inoperable for longer than 24 hours. To request roadside assistance, Travelers customers can dial 800-252-4633.
Traditional Coverage Available Through Travelers
-
Liability coverage
-
Comprehensive coverage
-
Collision coverage
-
Personal injury protection
-
Uninsured and underinsured motorist coverage
-
Medical payments coverage
Travelers Auto Insurance Discounts
Travelers also offers two driver programs that lead to discounts: IntelliDrive and the affinity program.
Travelers offers its policyholders access to a comprehensive set of discounts. The discounts aren’t unique compared to most insurers, but the sheer number of them means that a great number of drivers (or types of drivers) can benefit.
IntelliDrive Program: Receive up to a 20% discount when you enroll in IntelliDrive, a 90-day program that allows users to sign up through a free mobile app that tracks your driving behaviors. The app scores your driving behaviors and assigns appropriate discounts (or increases) to your annual insurance cost. The app will score your driving behaviors based on several factors, like the time of day you drive most frequently, your speed, acceleration and braking habits. Discounts will vary by state, and the program is currently available in the following states:
-
Alabama
-
Connecticut
-
Illinois
-
Indiana
-
Maine
-
Minnesota
-
Nevada
-
Ohio
-
Virginia
Affinity Program: Employees of participating employers, and members of certain credit unions or professional association groups are eligible to receive a discount on homeowners and auto insurance.
| Multipolicy Discount | Bundle your car insurance with another Travelers’ insurance policy and save up to 13%. |
| Multicar Discount | Insure two or more cars with Travelers and save up to 8%. |
| Homeownership Discount | If you own a home, you’re eligible to save up to 5% on your car insurance. You may be eligible for the discount even if your home isn’t insured with Travelers. |
| Safe Driver Discount | Drivers without accidents over a three-year period are eligible for a discount of up to 10%, or up to 23% for drivers who are accident-free over a five-year period.
|
| Continuous Insurance Discount | Drivers without gaps in their coverage are eligible for a 15% discount. |
| Hybrid and Electric Vehicle Discount | Receive a discount if you own or lease a hybrid or electric vehicle. |
| New-Car Discount | If you own a car that is less than three years old, you’re eligible for a discount of up to 10%. |
| Electronic Funds Transfer, Paid in Full and Good-Payer Discounts | Receive discounts based on how you pay your insurance coverage. Save 2% to 3% by paying your premium through an electronic funds transfer or having it deducted from your paycheck. Receive a discount of up to 7.5% if you pay your policy in full at once. Save as much as 15% for consistently paying your premium on time. |
| Early Quote Discount | You’re eligible for a 3% to 10% discount if you receive a quote from Travelers and subsequently change insurers while insured through a different company. |
| Good Student Discount | If you have a full-time student (high school or college) on your policy and that student maintains a "B" average, you’re eligible for a discount of up to 8%. |
| Student Away at School | Qualify for a 7% discount if one of your dependents attends school more than 100 miles away and doesn’t have access to your vehicles. |
| Driver Training Discount | Complete an approved driver education course and receive a discount that could be as high as 8%. |
Travelers Auto Insurance Rates
Across most driver profiles, Travelers offers middle-of-the-road rates. While competitors like Allstate and State Farm offer average to high rates, the two insurance companies perform well in single categories. The same can’t be said for Travelers. For instance, State Farm has some of the highest rates for people who have been in accidents, but it offers very low rates for experienced drivers over 60. To get the most out of Travelers, you’ll need to look for applicable discounts, otherwise you’ll receive mediocre rates.
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Beyond the standard coverages, Travelers offers a few unique optional coverages, such as premier new-car replacement and two accident forgiveness plans.\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cstrong\u003ELoan or Lease Gap Insurance:\u003C\/strong\u003E If your vehicle is involved in a total loss, this optional coverage pays for the difference between the actual cash value of your car and the unpaid portion of your loan or lease. For instance, if you purchased or leased a 2015 Toyota Camry that is now worth $10,000, but you have an unpaid loan or lease balance of $13,000, loan or lease gap insurance would pay for the $3,000 difference. Without the coverage, you\u2019d have to pay the $3,000 out of pocket.\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cstrong\u003EPremier New Car Replacement:\u003C\/strong\u003E This optional coverage functions as a bundle for new car owners, which includes new-car replacement coverage, loan or lease gap coverage, and a glass deductible feature. The standout feature of the bundle is the new-car replacement coverage, which covers the cost of a new car if your vehicle is totaled in a covered loss. Losses stemming from fire, theft, larceny and flood are excluded from the coverage. The loan or lease gap coverage functions in the same manner as if you were to purchase it as a single endorsement. The glass deductible feature lowers your deductible for a glass-only loss. Any claim involving your windshield, windows, exterior lights or mirrors is eligible.\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cstrong\u003EAccident Forgiveness Plans:\u003C\/strong\u003E Travelers offers accident forgiveness through two hybrid programs marketed as discounts: the Responsible Driver Plan and the Premier Responsible Driver Plan. Accident forgiveness programs cancel the increase in a driver\u2019s rates after an at-fault accident, which can save you hundreds of dollars over the term of your policy. Below is a table illustrating the plan\u2019s estimated cost for a 30-year-old driver with a 2015 Toyota Camry and the two programs\u2019 features.\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ReactComponent--root\"\u003E\n \u003Cdiv class=\"js-react-component-rendered js-react-component-SortableTable\" data-component-name=\"SortableTable\"\u003E\n \u003Cdiv class=\"StyledRootWrapper-sc-3qeib4 jYHfZo\"\u003E\u003Cdiv class=\"StyledTableWrapper-sc-5nmmx9 fesmOM\"\u003E\u003Cdiv class=\"StyledTableOverflowWrapper-sc-hixhp9 gVbnK\"\u003E\u003Ctable class=\"StyledTable-sc-ujzn9t jVpJxq\"\u003E\u003Cthead class=\"StyledHeaderRow-sc-1m1b8dn cBFLrt\"\u003E\u003Ctr\u003E\u003Cth width=\"15%\" colSpan=\"1\" class=\"StyledHeaderCell-sc-nsptsd dEhGgs\"\u003E\u003Cdiv class=\"StyledColumnHeaderWrapper-sc-12xyb2r gPTwhA\"\u003E\u003Cspan\u003EProgram\u003C\/span\u003E\u003C\/div\u003E\u003C\/th\u003E\u003Cth width=\"15%\" colSpan=\"1\" class=\"StyledHeaderCell-sc-nsptsd dEhGgs\"\u003E\u003Cdiv class=\"StyledColumnHeaderWrapper-sc-12xyb2r gPTwhA\"\u003E\u003Cspan\u003ESample Annual Cost\u003C\/span\u003E\u003C\/div\u003E\u003C\/th\u003E\u003Cth width=\"70%\" colSpan=\"1\" class=\"StyledHeaderCell-sc-nsptsd eLtIvL\"\u003E\u003Cdiv class=\"StyledColumnHeaderWrapper-sc-12xyb2r gPTwhA\"\u003E\u003Cspan\u003EFeatures\u003C\/span\u003E\u003C\/div\u003E\u003C\/th\u003E\u003C\/tr\u003E\u003C\/thead\u003E\u003Ctbody class=\"StyledBody-sc-14y8oc0 dcdMVT\"\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"15%\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003EResponsible Driver Plan\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"15%\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003E$95\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"70%\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003EForgives one accident and one minor violation every three years.\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"15%\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003EPremier Responsible Driver Plan\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"15%\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003E$146\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"70%\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003EForgives one accident and one minor violation every three years. Provides a waiver for your deductible if your car is totaled. Reduces your deductible by $50 every six months that you\u2019re accident-free, up to a $500 limit.\u003C\/td\u003E\u003C\/tr\u003E\u003C\/tbody\u003E\u003C\/table\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\n \u003C\/div\u003E\n\n \u003Cscript type=\"application\/json\" class=\"js-react-component\" data-component-name=\"SortableTable\"\u003E{\"alignsHorizontal\":[],\"alignsVertical\":[],\"columnWidths\":[\"15%\",\"15%\",\"70%\"],\"data\":[[\"Program\",\"Sample Annual Cost\",\"Features\"],[\"Responsible Driver Plan\",\"$95\",\"Forgives one accident and one minor violation every three years.\"],[\"Premier Responsible Driver Plan\",\"$146\",\"Forgives one accident and one minor violation every three years. Provides a waiver for your deductible if your car is totaled. Reduces your deductible by $50 every six months that you\\u2019re accident-free, up to a $500 limit.\"]],\"footnote\":\"\",\"hasMarginBottom\":true,\"isExpandable\":true,\"isSortable\":false,\"maxWidth\":\"1215\",\"minWidth\":\"100%\",\"showSearch\":false,\"sortColumnIndex\":0,\"sortDirection\":\"asc\"}\u003C\/script\u003E\n\n\u003C\/div\u003E\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cstrong\u003ERide Sharing:\u003C\/strong\u003E Prospective policyholders in Colorado and Illinois have the option to add coverage when driving for Uber, Lyft or other ridesharing apps. If you don\u2019t have a similar coverage, it\u2019s likely you\u2019re not covered when driving for a ridesharing app. The endorsement provides coverage after opening your mobile app but before picking up a passenger. Once you pick someone up, the ridesharing company\u2019s insurance will provide you with coverage.\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cstrong\u003ERental Car Coverage:\u003C\/strong\u003E Rental car coverage reimburses you for the cost of a rental vehicle if your car is involved in a covered accident. Coverage starts at $30 per day, and the maximum available is $100 per day. While the cost will vary depending on your vehicle type, you can expect to pay around $20 per year for the lower end of coverage and around $50 per year for the maximum coverage. To use Travelers\u2019 rental car coverage, your vehicle must be out of commision for at least 24 hours. Rental car coverage applies to specific vehicles rather than people, meaning that you must pay more if you want to have coverage for another vehicle.\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cstrong\u003ERoadside Assistance:\u003C\/strong\u003E If you want roadside services, such as a jump-start, fuel delivery, tire change or lockout assistance, you\u2019ll want to purchase this optional coverage. Travelers offers two tiers of roadside assistance: basic roadside assistance and premier roadside assistance. The former provides a towing service up to 15 miles, while the latter provides the service up to 100 miles. Premier roadside assistance also includes trip interruption coverage, which provides $600 (maximum of $200 per day) of reimbursement for food and lodging if your vehicle breaks down. Trip interruption coverage only applies if your car breaks down more than 100 miles away from home and the vehicle is inoperable for longer than 24 hours. To request roadside assistance, Travelers customers can dial \u003Cstrong\u003E800-252-4633\u003C\/strong\u003E.\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cstrong\u003ETraditional Coverage Available Through Travelers\u003C\/strong\u003E\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeList--root \"\u003E\n\n \u003Cdiv class=\"ShortcodeList--content ShortcodeList--content-margin\"\u003E\n \u003Cdiv class=\"ShortcodeList--column\"\u003E\n \u003Cul class=\"ListUnordered--root ListUnordered--bullet\"\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Liability coverage\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Comprehensive coverage\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Collision coverage\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Personal injury protection\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Uninsured and underinsured motorist coverage\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Medical payments coverage\n \u003C\/li\u003E\n \u003C\/ul\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\n\u003C\/p\u003E\n\n\u003Ch3 id=\"auto-discounts\"\u003ETravelers Auto Insurance Discounts\u003C\/h3\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeInset--root ShortcodeInset--justify-right ShortcodeInset--color-blue\"\u003E\n \u003C\/p\u003E\n\n\u003Cp\u003ETravelers also offers two driver programs that lead to discounts: IntelliDrive and the affinity program. \n\n\u003C\/div\u003E\n\u003C\/p\u003E\n\n\u003Cp\u003ETravelers offers its policyholders access to a comprehensive set of discounts. The discounts aren\u2019t unique \u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"compared to most insurers\" href=\"https:\/\/www.valuepenguin.com\/auto-insurance\"\u003Ecompared to most insurers\u003C\/a\u003E\u003C\/span\u003E, but the sheer number of them means that a great number of drivers (or types of drivers) can benefit.\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cstrong\u003EIntelliDrive Program:\u003C\/strong\u003E Receive up to a 20% discount when you enroll in IntelliDrive, a 90-day program that allows users to sign up through a free mobile app that tracks your driving behaviors. The app scores your driving behaviors and assigns appropriate discounts (or increases) to your annual insurance cost. The app will score your driving behaviors based on several factors, like the time of day you drive most frequently, your speed, acceleration and braking habits. Discounts will vary by state, and the program is currently available in the following states:\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeList--root \"\u003E\n\n \u003Cdiv class=\"ShortcodeList--content ShortcodeList--content-margin\"\u003E\n \u003Cdiv class=\"ShortcodeList--column\"\u003E\n \u003Cul class=\"ListUnordered--root ListUnordered--bullet\"\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Alabama\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Connecticut\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Illinois\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Indiana\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Maine\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Minnesota\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Nevada\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Ohio\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Virginia\n \u003C\/li\u003E\n \u003C\/ul\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\n\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cstrong\u003EAffinity Program:\u003C\/strong\u003E Employees of participating employers, and members of certain credit unions or professional association groups are eligible to receive a discount on homeowners and auto insurance.\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ReactComponent--root\"\u003E\n \u003Cdiv class=\"js-react-component-rendered js-react-component-SortableTable\" data-component-name=\"SortableTable\"\u003E\n \u003Cdiv class=\"StyledRootWrapper-sc-3qeib4 jYHfZo\"\u003E\u003Cdiv class=\"StyledTableWrapper-sc-5nmmx9 fesmOM\"\u003E\u003Cdiv class=\"StyledTableOverflowWrapper-sc-hixhp9 gVbnK\"\u003E\u003Ctable class=\"StyledTable-sc-ujzn9t jVpJxq\"\u003E\u003Cthead class=\"StyledHeaderRow-sc-1m1b8dn cBFLrt\"\u003E\u003Ctr\u003E\u003Cth width=\"35%\" colSpan=\"1\" class=\"StyledHeaderCell-sc-nsptsd ggWVje\"\u003E\u003Cdiv class=\"StyledColumnHeaderWrapper-sc-12xyb2r gPTwhA\"\u003E\u003Cspan\u003EDiscount\u003C\/span\u003E\u003C\/div\u003E\u003C\/th\u003E\u003Cth width=\"65%\" colSpan=\"1\" class=\"StyledHeaderCell-sc-nsptsd fOXjhX\"\u003E\u003Cdiv class=\"StyledColumnHeaderWrapper-sc-12xyb2r gPTwhA\"\u003E\u003Cspan\u003EHow Do You Receive It?\u003C\/span\u003E\u003C\/div\u003E\u003C\/th\u003E\u003C\/tr\u003E\u003C\/thead\u003E\u003Ctbody class=\"StyledBody-sc-14y8oc0 dcdMVT\"\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"35%\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003EMultipolicy Discount\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"65%\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003EBundle your car insurance with another Travelers\u2019 insurance policy and save up to 13%.\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"35%\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003EMulticar Discount\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"65%\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003EInsure two or more cars with Travelers and save up to 8%.\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"35%\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003EHomeownership Discount\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"65%\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003EIf you own a home, you\u2019re eligible to save up to 5% on your car insurance. You may be eligible for the discount even if your home isn\u2019t insured with Travelers.\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"35%\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003ESafe Driver Discount\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"65%\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003EDrivers without accidents over a three-year period are eligible for a discount of up to 10%, or up to 23% for drivers who are accident-free over a five-year period.\u003Cbr \/\u003E\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"35%\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003EContinuous Insurance Discount\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"65%\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003EDrivers without gaps in their coverage are eligible for a 15% discount.\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"35%\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003EHybrid and Electric Vehicle Discount\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"65%\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003EReceive a discount if you own or lease a hybrid or electric vehicle.\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"35%\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003ENew-Car Discount\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"65%\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003EIf you own a car that is less than three years old, you\u2019re eligible for a discount of up to 10%.\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"35%\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003EElectronic Funds Transfer, Paid in Full and Good-Payer Discounts\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"65%\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003EReceive discounts based on how you pay your insurance coverage. Save 2% to 3% by paying your premium through an electronic funds transfer or having it deducted from your paycheck. Receive a discount of up to 7.5% if you pay your policy in full at once. Save as much as 15% for consistently paying your premium on time.\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"35%\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003EEarly Quote Discount\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"65%\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003EYou\u2019re eligible for a 3% to 10% discount if you receive a quote from Travelers and subsequently change insurers while insured through a different company.\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"35%\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003EGood Student Discount\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"65%\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003EIf you have a full-time student (high school or college) on your policy and that student maintains a \"B\" average, you\u2019re eligible for a discount of up to 8%.\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"35%\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003EStudent Away at School\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"65%\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003EQualify for a 7% discount if one of your dependents attends school more than 100 miles away and doesn\u2019t have access to your vehicles.\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"35%\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003EDriver Training Discount\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"65%\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003EComplete an approved driver education course and receive a discount that could be as high as 8%.\u003C\/td\u003E\u003C\/tr\u003E\u003C\/tbody\u003E\u003C\/table\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\n \u003C\/div\u003E\n\n \u003Cscript type=\"application\/json\" class=\"js-react-component\" data-component-name=\"SortableTable\"\u003E{\"alignsHorizontal\":[],\"alignsVertical\":[],\"columnWidths\":[\"35%\",\"65%\"],\"data\":[[\"Discount\",\"How Do You Receive It?\"],[\"Multipolicy Discount\",\"Bundle your car insurance with another Travelers\\u2019 insurance policy and save up to 13%.\"],[\"Multicar Discount\",\"Insure two or more cars with Travelers and save up to 8%.\"],[\"Homeownership Discount\",\"If you own a home, you\\u2019re eligible to save up to 5% on your car insurance. You may be eligible for the discount even if your home isn\\u2019t insured with Travelers.\"],[\"Safe Driver Discount\",\"Drivers without accidents over a three-year period are eligible for a discount of up to 10%, or up to 23% for drivers who are accident-free over a five-year period.\\u003Cbr \\\/\\u003E\"],[\"Continuous Insurance Discount\",\"Drivers without gaps in their coverage are eligible for a 15% discount.\"],[\"Hybrid and Electric Vehicle Discount\",\"Receive a discount if you own or lease a hybrid or electric vehicle.\"],[\"New-Car Discount\",\"If you own a car that is less than three years old, you\\u2019re eligible for a discount of up to 10%.\"],[\"Electronic Funds Transfer, Paid in Full and Good-Payer Discounts\",\"Receive discounts based on how you pay your insurance coverage. Save 2% to 3% by paying your premium through an electronic funds transfer or having it deducted from your paycheck. Receive a discount of up to 7.5% if you pay your policy in full at once. Save as much as 15% for consistently paying your premium on time.\"],[\"Early Quote Discount\",\"You\\u2019re eligible for a 3% to 10% discount if you receive a quote from Travelers and subsequently change insurers while insured through a different company.\"],[\"Good Student Discount\",\"If you have a full-time student (high school or college) on your policy and that student maintains a \\\"B\\\" average, you\\u2019re eligible for a discount of up to 8%.\"],[\"Student Away at School\",\"Qualify for a 7% discount if one of your dependents attends school more than 100 miles away and doesn\\u2019t have access to your vehicles.\"],[\"Driver Training Discount\",\"Complete an approved driver education course and receive a discount that could be as high as 8%.\"]],\"footnote\":\"\",\"hasMarginBottom\":true,\"isExpandable\":false,\"isSortable\":false,\"maxWidth\":\"1215\",\"minWidth\":\"100%\",\"showSearch\":false,\"sortColumnIndex\":0,\"sortDirection\":\"asc\"}\u003C\/script\u003E\n\n\u003C\/div\u003E\u003C\/p\u003E\n\n\u003Ch3 id=\"auto-quotes\"\u003ETravelers Auto Insurance Rates\u003C\/h3\u003E\n\n\u003Cp\u003EAcross most driver profiles, Travelers offers middle-of-the-road rates. While competitors like Allstate and State Farm offer average to high rates, the two insurance companies perform well in single categories. The same can\u2019t be said for Travelers. For instance, State Farm has some of the highest rates for people who have been in accidents, but it offers very low rates for experienced drivers over 60. To get the most out of Travelers, you\u2019ll need to look for applicable discounts, otherwise you\u2019ll receive mediocre rates.\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeImageResponsive--root\"\u003E\n \u003Cfigure class=\"ShortcodeImage--root\"\u003E\n \u003Cpicture class=\"ShortcodeImage--picture\"\u003E\n \u003Csource\n media=\"(max-width: 1032.75px)\"\n data-srcset=\"http:\/\/res.cloudinary.com\/value-penguin\/image\/upload\/c_limit,dpr_1.0,f_auto,h_1600,q_auto,w_1600\/v1\/travelers-auto-m_ie3sua 1x, http:\/\/res.cloudinary.com\/value-penguin\/image\/upload\/c_limit,dpr_2.0,f_auto,h_1600,q_auto,w_1600\/v1\/travelers-auto-m_ie3sua 2x\"\n\/\u003E\n \u003Cimg alt=\"How Do Travelers' Auto Insurance Quotes Compare to Other Insurers?\" class=\"lazyload\" data-src=\"http:\/\/res.cloudinary.com\/value-penguin\/image\/upload\/c_limit,dpr_1.0,f_auto,h_1600,q_auto,w_1600\/v1\/travelers-auto_iok0yy\" src=\"http:\/\/res.cloudinary.com\/value-penguin\/image\/upload\/c_limit,dpr_2.0,e_blur:1000,f_auto,h_1600,q_1,w_1600\/v1\/travelers-auto_iok0yy\" data-srcset=\"http:\/\/res.cloudinary.com\/value-penguin\/image\/upload\/c_limit,dpr_1.0,f_auto,h_1600,q_auto,w_1600\/v1\/travelers-auto_iok0yy 1x, http:\/\/res.cloudinary.com\/value-penguin\/image\/upload\/c_limit,dpr_2.0,f_auto,h_1600,q_auto,w_1600\/v1\/travelers-auto_iok0yy 2x\"\u003E\n \u003C\/picture\u003E\n \u003C\/figure\u003E\n\u003C\/div\u003E\n\n","padding":"double"}
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