Your car insurance coverage typically applies to any driver listed on your policy, which is why it’s important to list all drivers in your household on your policy.

Your policy may offer some protection for licensed drivers not listed on your policy who you occasionally let drive your car, such as:

• Extended family (visiting grandparent(s), parent(s), aunt/uncle(s), niece/nephew(s)).
• Friends (sharing shifts on a road trip, borrowing while your own car is broken down).
• Boyfriend/girlfriend (who doesn’t live with you).

Check with your insurance representative to learn more about who needs to be included and who is covered on your policy.

It depends on your particular situation. At a minimum, drivers must carry bodily injury and property damage liability coverage at the state-mandated limits to cover vehicle and property damage, injury-related expenses and legal fees for other people involved in an accident you cause.

Policy options beyond the minimum state requirements are available, and can offer more complete protection. It is important to carefully consider your specific circumstances, including your risk tolerance and budget, then work with your insurance representative to create a policy that addresses your needs. Be sure to discuss the following popular coverage options with your agent.

Choosing a car insurance policy that addresses your needs starts with choosing the right insurance company. Travelers has been an insurance leader, committed to keeping pace with the ever changing needs of customers for over 160 years. As one of the nation’s largest casualty companies, we offer a variety of competitive policy options and packages to ensure you get the right coverage at the right price. Insurance representatives are available to help you create a policy that addresses your needs and budget.

We also understand that having insurance is about more than just protecting your vehicle. It is about making the process after any incident as simple and stress-free as possible. We’re here to support our customers and their families on the road to repair and recovery every step of the way — with fast, efficient claim services and claim reporting available 24 hours a day, 365 days a year.

Getting a car insurance quote from Travelers is easy. Just call the number above or use our online quoting tool to start creating a policy that offers the protection you need at a price you can afford.

Typically, you can update your coverage option and policies limits anytime — online at MyTravelers.com or by speaking to your insurance representative. Note that making changes to your policy can affect your premium. We will notify you and adjust your premium accordingly to reflect these changes once your policy is updated.

If you are an employee or member of one of our participating employer, credit union or association groups, you could be eligible for special program discounts. Plus, you could be qualify for additional discounts, such as safe driver, multi-policy, multi-car, new or hybrid/electric car, owning a home, and good student. How and when you pay can affect your premium, too — discounts may be available if you pay in full, by electronic funds transfer (EFT) or by payroll deduction, as well as if you pay on time. 

Ask your insurance representative about these and other incentives to ensure you are getting all the discounts for which you are eligible.

The cost of insurance partly depends on the coverages, deductibles and policy limits you choose. Here are a few ways to ensure you are getting the best price for your policy:

• Talk to your insurance representative. Make sure you have the right policy for your individual needs, and that you are getting all the discounts for which you are eligible.
• Drive safely. Savings are often available to safe drivers. Staying accident, violation and claim free can translate to lower premiums down the road.
• Bundle your policies. Purchasing your car as well as homeowners, condo, renters, boat or umbrella insurance through Travelers may qualify you for our multi-policy discount.
• Consider a higher deductible. Generally speaking, the higher your deductible, the lower your premium. But it is important to choose a deductible you can afford in the event of a loss. Ask your insurance representative about the deductible options available to you.