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Intro
Travelers is one of the 10 largest auto insurers in the United States, underwriting around $4 billion worth of premiums every year. It caters to motorists in all 50 states, offering all the major types of car insurance plus a range of add-ons. On top of that, it also sells umbrella insurance, providing additional liability coverage to protect expensive assets including car, home, and boat.
Pros and Cons
There are two good reasons to consider Travelers for your car insurance: choice and flexibility. Choice, because it offers plenty of add-ons including rental coverage, new car replacement, and accident forgiveness. And flexibility, because it gives customers the option of selecting the level of their deductible (the higher the premium, the lower the deductible – and vice-versa). Travelers provides numerous other forms of insurance, and customers can save up to 13% on their car insurance if they bundle it together with home, boat, or umbrella insurance.
On the flipside, certain programs and add-ons are only available in certain states. For example, the ride-sharing add-on, which provides coverage for policy holders who work for Uber or other ride-hailing companies, is only available in Colorado and Illinois.
Types of Auto Insurance
Travelers offers the following forms of coverage:
Liability. Includes bodily injury and property damage liability, which are requirements in most states. Covers damages and court expenses when someone else is injured or someone’s property is damaged as a result of an accident where you’re at fault.
Collision. Covers damage to your vehicle if you hit another car or object.
Comprehensive. Covers damage to your vehicle in non-collision incidents such as theft, vandalism, fire, storms, natural disasters, and hitting a deer or other animal.
Personal Injury Protection (PIP). Also referred to as no-fault insurance, PIP is compulsory in certain states. It covers medical expenses, and in some cases also covers things like rehabilitation and lost wages.
Medical payments coverage. Covers medical expenses when you or a passenger are injured while in your car, regardless of who is at fault. Designed to cover policy holders in states where PIP isn’t required or offered.
Uninsured / underinsured motorist coverage. Covers liabilities when you’re involved in an accident caused by a driver who doesn’t have an adequate level of insurance coverage.
As mentioned in the Pros and Cons, Travelers also offers a solid range of add-ons:
Gap coverage.
Also known as loan/lease insurance, this protects you if your vehicle is financed or leased. If your vehicle suffers a total loss, gap coverage pays the difference between the cash value of your vehicle and the unpaid balance on your loan or lease.
Rental coverage. Pays for a rental car if your vehicle is in the shop for more than 24 hours as a result of a covered accident.
Roadside assistance. Guarantees emergency assistance when you get stuck out on the road. Whereas most insurance companies offer a one size-fits-all level of roadside assistance, Travelers offers two levels. Basic Roadside Assistance provides towing up to 15 miles, plus jump start, fuel delivery, tire change, and locksmith. Premier Roadside Assistance provides towing up to 100 miles, as well as the other roadside services. It also includes trip-interruption coverage, which makes the policy holder eligible for reimbursement of $200 a day (up to a max of $600) for meals and lodging if breakdown occurs more than 100 miles from home. This level of coverage is significantly better than the roadside coverage offered by most other auto insurers.
New car replacement. If you total your car within 5 years of purchase, this pays for a new car of the same make and model.
Accident forgiveness. Branded as the “Responsible Driver” package, this stops your premium from going up when you get in a minor accident or violation.
Ride sharing. As mentioned earlier, this is currently available to customers in Colorado and Illinois.
Lastly, Travelers offers “Umbrella Insurance”, which protects you with an additional $1 million top $10 million of liability coverage for assets such as vehicle, home, and boat. It also extends coverage to defending you against lawsuits or defamation claims.
How to Apply
Apply for a quote online or by calling 1-866-522-1338. In order to get a quote, you’ll need to provide your zip code; details about yourself and your driving history (plus details about any anyone else you’d like to add to the policy and their driving history); and details about the vehicle or vehicles you’d like to insure. As long as you’re able to provide all the necessary documentation, you should be able to purchase coverage on the same day as applying.
Filing a Claim
Policy holders can file claims by logging into their MyTravelers online account or calling 1-800-Claim33. The MyTravelers portal allows you upload all your documentation over the internet, helping to expedite the claims process and decision. The MyTravelers mobile app is available for free download on the App Store and Google Play. MyTravelers works with Alexa.
Contact Details
Interested in purchasing car insurance from Travelers? You can contact them by phone or by calling a local agent.
  • Phone: 1.888.695.4625, toll-free number during regular U.S. business hours.
  • Agent: Use the useful search tool on the Travelers website to find an agent in your area.
  • Mail: The Travelers Indemnity Company, One Towers Square, Hartford, CT 06183.
Summary
Travelers offers coverage from one of the largest and most well-known underwriters of auto insurance in the country. It’s nothing if not flexible, giving customers the option of raising or lowering their deductibles or choosing from two tiers of emergency roadside coverage. No matter where in the U.S. you live, Travelers has car insurance products to suit almost every type of motorist.