Travelers Insurance was founded more than 150 years ago, and today, it is one of the nation’s largest property casualty companies. The company offers insurance and surety products, as well as risk management services, to businesses, organizations, and individuals alike. Travelers distributes these products mainly through independent agents and brokers. It operates internationally in the United States, the United Kingdom, Canada, and the Republic of Ireland, in addition to a joint venture partnership in Brazil.

Travelers is the second-largest writer of commercial U.S. property casualty insurance, and it is the third-largest writer of U.S. personal insurance through independent agents. Travelers Indemnity Company secured an A+ (Superior) rating from A.M. Best, an insurance rating agency. A.M. Best’s rating is based on its evaluation of Travelers’ financial strength and its ability to fulfill its ongoing insurance policy and contract obligations.

Accident Forgiveness

To obtain Accident Forgiveness, customers must be insured with Travelers auto insurance for four years or more. This feature guarantees that Travelers will forgive an at-fault accident by a driver who is accident, violation, and comprehensive-claim free.

Affinity Discounts

Travelers Affinity Auto & Home Program offers discounts and benefits to employees and members of participating businesses, associations and credit unions. These consumers will receive special program rates on auto, home, condo, and renters insurance. They may also take advantage of conveniences such as payroll deduction.

GAP Coverage

Policy holders who have an outstanding lease or loan on their vehicle may want to obtain Guaranteed Auto Protection (GAP) Coverage. This covers the difference between the actual cash value of the vehicle at the time of loss and the unpaid principal due on the loan or lease. For instance, suppose a car is totaled two years after the purchase date. At the time of the loss, the actual cash value of the car is $7,000, and the outstanding loan balance is $8,000. With GAP coverage, Travelers would cover the full $8,000, minus any deductible.

Hybrid Vehicle Discount

Consumers who purchase and insure hybrid vehicles with Travelers may receive up to a 10% discount for purchasing energy-efficient vehicles. This discount rewards environmentally-conscious consumers.

IntelliDrive Program

Travelers’ IntelliDrive Program is geared toward low-mileage drivers, who will immediately receive a 5% discount on their auto insurance policy if they sign up for the program. They may receive an additional 20% discount at renewal, based on the number of miles they drive. An electronic device plugged into the vehicle can track the number of miles driven, fuel efficiency, speed, and location. Users can track this information via a secure website. Enrollment in the program is free. The program is available for drivers in Illinois, Ohio, Oregon, and Virginia.

Mobile Apps

Travelers offers the Auto Accident Help app for iPhone and Android for drivers who get into sticky situations. The app provides important step-by-step directions that drivers should take in the event of an accident, such as creating an accident report. Among its many features, the app allows customers to submit a claim, photograph damage, and record an audio description.

Travelers has also created Quick Connect for Blackberry, which provides important phone numbers, tips, and general help for policy holders involved in an accident.

Multi-Car Discounts

Policy holders who insure more than one car with Travelers can benefit from its Multi-Car Advantage discount.

Multi-Policy/Multi-Line Discounts

Policy holders can save up to 15% on their auto insurance if they purchase other insurance policies with Travelers, such as homeowners insurance, umbrella insurance, and boat and yacht insurance.

New Car Discounts

Customers who purchase or own a car that is less than three years old may qualify for the New Car discount, which takes up to 10% off of collision coverage.

Other Lines of Insurance

In addition to auto insurance, Travelers provides the following types of insurance:

  • Home insurance
  • Condo insurance
  • Renters insurance
  • Flood insurance
  • Boat & Yacht insurance
  • Umbrella insurance

Paid In Full Discount

Customers who opt to pay their premium in full are eligible to receive a discount of up to 5% on their auto insurance policy.

Rental Reimbursement

Rental Reimbursement is listed as an additional coverage option under Travelers’ auto insurance policies. This will cover the expense of a rental car while the vehicle is being repaired, as long as the damage was caused by a covered loss.

Roadside Assistance

An additional coverage option with Travelers, Roadside Assistance provides towing and other forms of roadside assistance for a disabled vehicle.

Safe Driving Discounts and Bonuses

Some policy holders may be able to take advantage of Travelers’ Safe Driver Advantage. To qualify for this discount, customers must not have a history of accidents, violations, or major comprehensive claims in their households.

Teenage Drivers

Travelers offers a number of discounts for young drivers. Drivers who are under the age of 21 may receive a discount for completing a driver’s education course. Student drivers up to the age of 25 who are insured with Travelers may receive a discount for maintaining good grades, which generally means a B average or higher. Lastly, policy holders with a dependent under the age of 25 who goes to school at least 100 miles away may qualify for the Student Away at School discount.