Can I Have Car Insurance in 2 States

Travelers Car Insurance Comparison for Good Drivers

Drivers who avoid traffic violations and car accidents tend to get the best prices. Travelers is in the middle of the pack when it comes to car insurance rates for good drivers. If you have a clean driving record, check quotes for Geico car insurance and State Farm car insurance.

Travelers Car Insurance Comparison for Drivers With a Speeding Ticket

If you get nailed with a speeding ticket, you can expect an increase in your car insurance rates. Travelers' rates are better than Progressive and Allstate, but you may find much better prices from Geico or State Farm.

Travelers Car Insurance Comparison for Drivers Who Caused an Accident With Injury

Drivers who cause an accident that injures someone else will usually see a significant rate hike when their policy renews. That's why it's a good idea to shop around for the best rates. Travelers has better prices than most of its competitors, but State Farm might be an even better bet.

Travelers Car Insurance Comparison for Drivers With a DUI

A DUI conviction will result in higher car insurance rates for at least a few years. Travelers has better rates than most of its competitors, but if you have a DUI on your record, State Farm is worth a look too.

Travelers Car Insurance Comparison for Drivers With Poor Credit

While the use of credit-based insurance scores is controversial, many insurers rely heavily on the scores to set their rates. If you have poor credit, shop around to find the best car insurance rates. Travelers is a good option, but you might find much cheaper rates from Geico.

Travelers has very low complaint levels from its car insurance customers.

Travelers Insurance Grade from Collision Repair Professionals: C+

In a survey of collision repair professionals by CRASH Network, Travelers got a C+ grade.

The opinions of collision repair professionals are valuable because they see how insurers compare in the use of lower-quality repair parts, whether insurers encourage the use of repair procedures recommended by car makers, and whether they have claims processes that make customers happy.

About Travelers Car Insurance

Travelers has been in the property casualty insurance business for more than 165 years and sold its first policy for just two cents. Today, Travelers has 30,000 employees serving customers for personal, business and specialty insurance.

Travelers sells car insurance with plenty of add-ons to customize your policy, such as:

Gap Insurance. If your car is totaled due to a problem covered by your policy, this pays the difference between what you owe on your loan or lease and the depreciated value of your car.
Roadside assistance. If you are stranded on the side of the road, this covers services such as towing, changing a flat tire, refueling, locksmith and jump-starting a dead battery.
Rental reimbursement auto insurance. This pays for a rental car or other transportation costs (like subway fare) if you cannot drive your car due to a problem covered by your policy.
Accident forgiveness. If you purchase a Responsible Driver Plan, you will be forgiven for one accident and one minor violation over a specified period, meaning your rates will not go up.
New car replacement insurance. If your new car is totaled due to an accident covered by your policy, you'll get a brand new car of the same make and model.
Rideshare insurance. Car owners in Colorado and Illinois who drive for a rideshare service like Uber or Lyft can add this endorsement that covers you when you turn on the app, but ends when you connect with a passenger.

Related: Best car insurance companies

Travelers Usage-Based Auto Insurance

Travelers offers an usage-based insurance program known as IntelliDrive. This 90-day program uses a smartphone app to monitor your driving habits. When you enroll, you could receive instant savings on your insurance policy's first term.

When your policy renews, you could save up to 30% depending on your driving habits, such as the time of day you drive, speed, acceleration, braking and distractions (like using your phone while you drive).

In some states, risky driving habits could lead to an increase in premium if you're using IntelliDrive.

Travelers Car Insurance Discounts

Travelers offers all various types of car insurance discounts, such as:

Multi-policy discount. Save as much as 10% on your auto insurance premium when you buy homeowners insurance or condo insurance or another insurance policy from Travelers.
Multi-car discount for insuring more than one car with Travelers.
Home ownership discount if you own your house or condo, even if it's insured by a different company.
Safe driver discount for Travelers customers who have had no accidents, traffic violations or major comprehensive claims in the household in the past three to five years.
Continuous insurance discount if you have had your car insurance policy continuously with Travelers (meaning no gaps in your insurance history).
Hybrid/electric vehicle discount for an electric or hybrid car.
New car discount for drivers who own a new car or a car that is less than three years old.
How you pay discounts such as electronic funds transfer, payroll deduction or paying your premium in full.
Early quote discount if you are a new customer who gets an auto insurance quote before your current policy expires.
Good student discount for high school or college students with "B" averages or higher.
Student away at school discount if you have a student who goes to school at least 100 miles away from your home and won't be driving your cars.
Driver training discount if you hone your driving skills in an approved driver education course.

More Insurance from Travelers

Travelers sells home, condo and renters insurance. If you rent out a home there's landlord insurance.

If you enjoy the water, Travelers sells insurance for boats and yachts. And if you are planning a big event (such as a wedding), you can buy wedding and events insurance, which covers unexpected problems that disrupt your event.

Travelers Mobile App

You can access your insurance policies from the comfort of your couch with the Travelers mobile app. The app has handy features such as:

Pay your bills
Setup autopay
Access insurance ID cards
Access insurance policy information
Report a claim
Go paperless

A Brief History of Travelers Insurance

Travelers initially began as two separate companies: Travelers and the St. Paul Fire and Marine Insurance Co. The first Travelers policy was sold in 1864 for two cents. In 1855, St. Paul Fire and Marine Insurance Co. paid its first claim when a fire spread from a bakery to a row of offices.

Fast forward to 2004 and the two companies merged to create The St. Paul Travelers Companies, Inc. In 2007, the company changed its name to The Travelers Companies.

In 2019, Travelers partnered with Hover to implement 3-D modeling technology in its claims process. For example, the models can gather precise measurements of a building's exterior, windows and siding. This technology reduces the need to walk around potentially dangerous properties and can help speed up the claims process.

Travelers Insurance Charitable Causes

Travelers has donated more than $225 million over the past decade in its communities. Some of the common causes the company supports includes:

Higher education initiatives
Arts and culture
Thriving neighborhoods
Disaster relief
Health and social services
Civic and public affairs
K-12 initiatives

More than $5.5 million was provided toward Covid-19 relief in 2020 to help assist families, small businesses and communities in the U.S., United King and the Republic of Ireland.

Methodology

To find average car insurance rates nationwide, we used rates from Quadrant Information Services, a provider of insurance data and analytics. Rates are based on a female driver with a clean record insuring a Toyota RAV4 with $100,000 in bodily injury liability coverage per person, $300,000 per accident and $100,000 in property damage liability, uninsured motorist coverage and any other coverage required in the state. The rate also includes collision and comprehensive with a $500 deductible.

Can I Have Car Insurance in 2 States

Source: https://www.forbes.com/advisor/car-insurance/travelers-car-insurance-review/