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Are you shopping for car insurance? Comparing top companies like Nationwide, State Farm, Allstate, and Travelers are a great way to get a good idea of how much it will cost on average to insure your vehicle.
A lot of first-time car insurance buyers make the mistake of taking the first offer they find. In reality, the best way to ensure that you get coverage that’s worth every penny is by comparing multiple quotes online. We can help with that.
Enter your zip code after you read this guide and get free car insurance quotes from multiple providers you can compare and use to find the best deal!
Step #1 — Explore the Travelers SiteGet to know Travelers; they aren’t as common to hear as say Nationwide or State Farm, but they’re still one the top 10 car insurance companies in the USA. They offer auto insurance as well as homeowners, renters and condo insurance, boat & yacht coverage, a suite of business insurance and more.
While you may not be interested in anything other than car insurance coverage, it’s good to have a general understanding of all the products and services a potential provider offers. This will help you understand their reach, limitations, and primary concerns as a company.
Ask yourself: Is this company more customer or coverage-oriented? In other words, does it seem to value its consumer base and want to offer them as much as possible, or does everything just seem salesy?
Travelers has tools and resources including an Insurance 101 section on their site that explores the ins and outs of all their insurance policies. Check out the section dedicated to car insurance for advice geared toward shoppers and policyholders alike.
If you like what you see, scroll up or head back to the homepage where you’ll see a box to enter your zip code.
Step #2 — Start with Your LocationLocation plays a role in how much you’ll pay in premiums; when you enter your zip code on Travelers site for the first time, it will confirm whether or not they offer coverage in your state.
Travelers currently insures 43 states. You’ll also be asked, after entering your zip code, if you already have Travelers insurance. Select yes or no then click “Continue Quote.”
Step #3 — Agree to the Information DisclosureScroll down on the next page; a great practice to remember when you’re looking for car insurance quotes online is to check the information disclosure agreements and privacy policies of every company before you spend time filling out any forms.
Typically, you can scroll to the bottom of a page and find a brief explanation of how your information will be handled by a company as well as links to more detailed privacy policies.
If you agree to the information disclosure, continue on to step #4.
Step #4 — Enter Your Personal InformationYour first and last name, address, and contact information gives Travelers everything they need to start the quotes process and build a basic profile. Enter your information and make sure that you use your legal first and last names as well as your current residential address.
Step #5 — Get Answers to Frequently Asked QuestionsTravelers has an FAQ page you can access directly from the quote wizard by clicking on “Frequently Asked Questions” on the right-hand side of the page. On the following page, you’ll be able to read a series of general and specific questions relating to the quotes process and purchasing a policy.
Step #6 — Describe Your Car
After you’ve entered your information, it’s time to talk about your vehicle.
You can enter your vehicle’s year, make, model, and other details by hand, or simply enter your VIN and have the information automatically inputted.
Your VIN can be found on the inside of your driver’s side door frame or on your vehicle title or registration. You can also check your current car insurance policy or call up your provider (if you have one) and ask them for this information.
– Who’s the owner?Travelers was the first insurance company we encountered that asked you to specify who the vehicle in question is registered to.
You can choose yourself, of course, but you’ll also have the ability to choose a spouse, domestic partner, parent, or parent or child under 26 who lives in the same house.
You can repeat this process for multiple vehicles.
– Do you need gap coverage?Gap coverage is a car insurance add-on that covers the difference between a car’s worth and how much you owe on it. Travelers will ask you if you’re interested in adding gap coverage to your quote if you indicate your vehicle is owned and you’re making payments on it.
Gap coverage can prevent financial loss in the event of an accident that leaves your car totaled. If you would like to add gap coverage to your potential policy, Travelers will walk you through the process and help specify the limits of your deductibles.
Step #7 — Add Driver DetailsNow, it’s time to talk drivers. You’ll need to provide details for every driver of the vehicle(s) you’re trying to insure. Travelers will ask about any accidents, tickets, traffic violations, or other insurance claims you’ve had in the past five years.
Make sure you’re honest; there’s no sense in lying to get a lower rate only to have the truth come to light later and your policy to be terminated and coverage lost.
If you have a clean driving record, you may qualify for up to 5% off your policy with Travelers’ Safe Driver discount.
Step #8 — Talk About Your Insurance HistoryYou’ll need to specify your past or current insurance provider. If this is your first time buying car insurance, don’t worry, there’s an option for you, too.
If you’re buying a new policy and looking to switch providers, you’ll have to disclose the name of your current company, how long you’ve been with them, the limits of your current coverage, and how long you’ve had an active policy.
Step #9 — Get Your Quote & Break It DownWhile some online quote processes seem to drag on forever, Travelers’ forms are fast and easy to fill out. In under an hour, you can get an accurate car insurance quote that features a full breakdown of all coverages included in a potential policy as well as each one’s cost.
You’ll be informed of any discounts you qualify for and how much they’ll save you in total; you’ll also have the ability to edit coverages once you review them and increase or decrease limits.
Step #10 — Compare Your Estimate with Other Insurance Providers
One of the best ways to save money on car insurance is to comparison shop. Every car insurance provider has their own process of calculating rates, and different factors may cost you more at certain companies.
You also have to understand the types of car insurance available and read the fine print — there typically aren’t “all-in-one deals” that have everything you need, and in some cases, a low rate might mean inadequate coverage.
Enter your zip code below to compare auto insurance quotes for free. We’ll match you with multiple insurers that meet your needs and give you a good perspective on the best policy for you.