Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

Full Bio →

Written by

Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

Full Bio →

Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jun 12, 2020

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We partner with top insurance providers. This doesn’t influence our content. Our opinions are our own.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Here's what you need to know...

  • Traveler’s 30,000 employees help keep the company on the cutting edge of business technology and insurance trends of today
  • Your eligibility for discounts and what kind of insurance is best for you is determined by the answers you give to an insurance agent; so be honest and thorough
  • High-risk drivers are prime candidates for a break in the cost of coverage, and there are many more examples you could look into

The Travelers car insurance discounts are competitive enough to match any major carrier in the market today. It’s a fact that you have to determine for yourself if you want the best coverage for your individual or business insurance needs. Just like the difference in state car insurance laws, there is a difference in car insurance needs.

With its headquarters in Hartford, Connecticut, Travelers has serviced American cities for over 150 years.

The company’s 30,000 employees help keep the company on the cutting edge of business technology and insurance trends of today.

It also carries an “A” rating from A.M. Best for its financial strength and dedication to the insurance industry.

The Travelers reported proceeds of more than 25 billion dollars in 2010 and is on track to report more for the year 2011. These numbers are indicative of the company’s diversity and resources to maintain its standing in the industry while continuing to offer the best in insurance needs. This information is important when selecting the insurance company to cover you in your time of need.

To get online car insurance rates from Travelers, as well as other insurance carriers, enter your ZIP code to be directed further.

Table of Contents

The Travelers Car Insurance Basics

Car insurance basics are common, with the exception of the difference in state requirements. Each state has a minimum coverage amount for the type of vehicle you drive and its purpose. For example, although your taxi cab is a car, its use is commercial and therefore requires a commercial permit and extra liability, as opposed to a car for personal use.

For example, although your taxi cab is a car, its use is commercial and therefore requires a commercial permit and extra liability, as opposed to a car for personal use.

Most states require such basic coverage as:

You can purchase more comprehensive coverage to protect your investment if, for instance, as a paraplegic, you have modified your vehicle or you collect cars. Collision and comprehensive may be lowered or eliminated if you own an older model car that may not require expensive replacement parts.

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

 Secured with SHA-256 Encryption

Determining Your Discount Eligibility

If an insurance agent tries to offer you a blanket car insurance policy, then he or she is doing you an injustice by not determining your exact needs. Car insurance policies are already expensive enough without later realizing that you purchased something unnecessarily. A good insurance agent is going to advise you of this fact.

Your insurance needs will depend on several things, such as:

  • Your driving record
  • The vehicle you drive
  • Whether you need coverage for yourself, your family, or your business

These are just the major questions an insurance agent will ask. Your answers will prompt the questions to follow.

Your eligibility for discounts will be determined by your answers to these questions as well.

There is no need to worry, however, because there is bound to be something for which you are eligible. Most companies, including Travelers, will reward loyal policyholders who are also good drivers with good credit.

Travelers Discount Basics

Car insurance discount basics are simply incentives to choose the company and maintain a good driving record while you are paying your premiums. Your loyalty goes a long way if you have been with an insurer for a long time without filing a claim.

Many car insurers realize that leniency draws customers too. Therefore, many are offering leniency to you after your first accident, with programs such as accident forgiveness.

For those that can afford to pay their premiums in advance, it just makes sense to pay them if it is going to translate to savings of more than a hundred dollars.

Another way insurers influence new policyholders to buy from them is with a good student discount and defensive driver credits. Those two discounts have proven to be a good incentive for families with teens.

Teens are high-risk drivers; therefore, rates can be astronomical from the start, especially if you have more than one teen. Your agent may even suggest that you send your teens to a defensive driving class for teens whether they have a violation or not. Good grades are something most parents stress anyway, so why not your insurance carrier?

High-risk drivers are prime candidates for a break in the cost of coverage.

If you have made a mistake while driving, you may even accept your punishment with grace, but if your rate increases by 50 percent, you are likely looking for discounts.

Travelers may or may not be the insurer for you in this case, but it is worth a discussion with an agent.

To get car insurance quotes in minutes, enter your ZIP code in the search tool below!