Travelers Auto Insurance Review

Travelers Auto Insurance Review
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Looking for a Travelers auto insurance review? Wondering whether you might want to purchase your automobile insurance policy from Travelers Car Insurance? The coverage types that car insurance companies offer are usually pretty standard.

Often it is things like their history, their customer service, the discounts they offer, and other perks that distinguish one insurance company from another and influence the final choice. This article will look at multiple facets of Travelers Car Insurance.

Read through this Travelers Auto Insurance Company review, browse through the customer reviews of Travelers Insurance at the bottom of this article, and then when you have finished reading through the various auto insurance reviews on this site be sure to compare free quotes from multiple insurers by entering your zip into the box on the side of this page.

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 their first automobile policy.

Travelers Auto Insurance Policies

Travelers Car Insurance has seven basic types of automobile policies. These are liability, collision, comprehensive, bodily injury, property damage, medical payments, and 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 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 are rental reimbursement, towing and labor, CD/DVD, death and indemnity, and 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 covers 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 leased or financed vehicle and the unpaid principle due in the event that the vehicle is totaled in an accident.

Travelers Car Insurance provides some additional services. They have fast claim handling 24 hours a day every day of the year. They have a nationwide guaranteed auto repair program. They also have 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. They have a multi-car discount that you can get if you put more than one automobile on your car insurance policy. Owners of a hybrid car or boat can save 10% on their car or boat insurance policy with their hybrid auto discount. Good drivers, often those with good driving records or those who have attended a defensive driving course, can also receive discounts. Travelers Car Insurance offer savings to those who have air bags, passive restraints and antilock brakes on their vehicles. Those who have anti-theft devices for their vehicles may also qualify for discounts. Students with good grades usually a B or better can qualify for a good student discount. Those who chose to bundle their homeowners or other Travelers policy with their car insurance policy can also save on their premiums.

Travelers Insurance Payment Options

Travelers Car Insurance offers their 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 a bill pay service from your home bank, by U.S. mail, or by phone. Pay by Phone features voice recognition and is not available to automobile policy holders in Massachusetts.

Travelers Insurance Financial Strength Ratings

Today with 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. Travelers Pool, which is a group of Travelers Insurance Companies that were evaluated together, received a rating of A+ from AM Best. They received a rating of AA from Fitch. A rating of Aa2 was given to Travelers Pool by Moody’s and standard and Poor’s gave them a rating of AA-.

Travelers Auto Insurance Quotes

Travelers Car Insurance may sound like a company that you would be interested in doing business with. 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? You can get free rate quotes by entering your zip code in the rate quote tool above. Get started now!

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