Car Insurance
The Journey Starts Here With a Car Insurance Quote
It's quick and easy to get a car insurance quote today. Whatever you drive, wherever you go, feel confident that you, your loved ones and your pockets are properly protected. Let us worry about the risks of the road, while you enjoy the freedom of the ride.
What's Covered
Liability Coverage
Liability coverage includes both bodily injury and property damage liability coverage and is required in most states. Basically, if you cause an accident, hurt someone or damage someone's property, it can pay for covered damages and to defend you if a lawsuit results.
Comprehensive Coverage
Comprehensive coverage helps pay for damage to your vehicle that is not caused by a collision. For example, theft, vandalism, hitting a deer or other animal, storms and certain natural disasters.
Collision Coverage
Collision coverage helps pay for damage to your vehicle if your car hits another car or object, gets hit by another car or if your vehicle rolls over. This coverage is generally required if your car is financed or leased.
Personal Injury Protection
Personal injury protection (PIP), also called no-fault insurance, is available in certain states. It pays medical expenses, and in some cases lost wages and other damages regardless of who is at fault in an accident.
Uninsured/Underinsured Motorist Coverage
Uninsured/underinsured motorist coverage can help pay for damages and medical costs resulting from an accident caused by someone who has no insurance or inadequate insurance coverage.
Medical Payments Coverage
Medical payments coverage helps pay for covered medical expenses for anyone injured while in your vehicle, regardless of who is at fault.
Additional Coverage
Loan/Lease Gap Insurance
Gap insurance – or loan/lease insurance – can help protect you if your vehicle is financed or leased. If your vehicle is totaled, this coverage may pay the difference between the actual cash value of the vehicle and the unpaid balance of the loan or lease.
Rental Coverage
Rental reimbursement, or extended transportation expenses coverage, can pay for a rental car if your car is damaged in a covered accident and your car is out of commission for more than 24 hours.
Roadside Assistance
With Roadside Assistance you can have peace of mind knowing that help is just a phone call away. And best of all - this service costs less than many independent services. Because we know that everyone is different, we offer two levels of coverage, depending on individual needs.
New Car Replacement
Premier New Car Replacement® gives you the extra coverage you need. If you total your new car in the first five years, this coverage pays to replace it with a brand new car of the same make and model. Many insurers offer coverage for just the first two or three years.
Accident Forgiveness
Many responsible drivers are concerned about the possible premium impact of an accident or violation down the road. The Responsible Driver package includes accident forgiveness and minor violation forgiveness —two extremely popular features.
Ride Sharing
Available in Colorado and Illinois only, the Limited Ride Sharing coverage endorsement can help protect individuals who drive for transportation network companies. The endorsement provides auto coverage after drivers open a mobile ride sharing app, but before connecting with a passenger.
Ways To Save
Multi-Policy Discount
Bundling multiple insurance policies can result in premium discounts. For example, you could save up to 13% on your Travelers car insurance when you also purchase your home/condo insurance and other policies from Travelers.
Multi-Car Discount (Not Available in CA)
More cars means more ways to save. You may be eligible for a car insurance discount if your household insures two or more cars on one Travelers policy.
Home Ownership Discount (Not Available in CA)
You may be eligible for discount on your car insurance if you own a home or condo, even if you insure it elsewhere.
Safe Driver Discount (Good Driver Discount in CA)
Safe driving should be rewarded. No accidents, violations or major comprehensive claims in your household for the past three to five years could save you money.
Continuous Insurance Discount (Not Available in CA)
Customers who have held car insurance continuously with no gaps in coverage may be eligible for a discount.
Hybrid/Electric Car Insurance Discount
Being an environmentally friendly driver is good for your wallet. If you own or lease a hybrid or electric car, you could save on your Travelers auto insurance.
New Car Discount (Not Available in CA)
When you purchase a new car or own a car that is less than three years old, you may qualify for a new car discount.
Electronic/Payroll Deduction Payment, Pay in Full and Good Payer Discounts (Not Available in CA)
You could save by paying your premium electronically or through payroll deduction for participating employer groups, paying in full or by consistently paying your premium on time.
Early Quote Discount (Not Available in CA)
If you’re new to Travelers and get an auto quote before your current policy expires, you may be eligible for a discount on your Travelers auto insurance, depending on how far in advance you shop for your policy.
Good Student Discount
Policyholders with drivers who are fully enrolled in high school or college and are good students who maintain a “B” average or better may qualify for a discount on car insurance.
Student Away at School Discount
If one of your dependents goes to school at least 100 miles away and won’t be driving your cars, it may mean that you qualify for a discount.
Driver Training Discount
To encourage young drivers to sharpen their skills with driver training, Travelers offers a discount for those drivers who have successfully completed an approved driver education course.
Frequently Asked Questions
Explore car insurance questions, from what car insurance covers, to how to get a quote. Get answers to your car insurance FAQs at Travelers.
Benefits
Through the program, you may have access to exclusive savings on auto insurance. These savings are not available to the general public and could save you hundreds of dollars on auto insurance.
Enrollment
No, you can switch at any time and may be entitled to a refund from your current carrier on any unearned premium. Plus, you could get an early quote discount of up to 10% on auto insurance when you switch to Travelers before your current coverage expires.
Payroll Deduction
You can conveniently pay your premiums through evenly distributed payroll deductions. With this payment option, a down payment is not required, and there are no service fees.
Policy Basics
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.
To Cover:
Repair or replacement of your own vehicle
Ask Your Insurance Rep About:
Collision Coverage
Comprehensive Coverage
New Car Replacement
Gap Insurance
Towing and onsite roadside services, such as jump starts and flat tire changes
Roadside Assistance
Rental car while yours is being repaired after an accident or incident
Car Rental Reimbursement
Your own medical expenses after an accident or incident
Personal Injury Protection (PIP)
Medical Payments Coverage
Uninsured/Underinsured Motorist Coverage
Accident-related expenses if the driver who caused the accident has no insurance or inadequate coverage
Uninsured/Underinsured Motorist Coverage
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.
Explore Our Products
Car Insurance
Get protection that can give you peace of mind when you're on the road.
Home Insurance
Protect your home the way it protects you by choosing the property insurance coverage that meets your needs.
Renters Insurance
Renters insurance can help to cover more than your personal property. It can help to protect you from personal liability, so you can rest easy.
Condo Insurance
Your condo association may have insurance, but your individual unit has its own coverage needs. Condo insurance protects your personal property and liability.
Boat and Yacht Insurance
Knowing that you, your passengers and your vessel are protected can help you relax and enjoy your time on the water.
Umbrella Insurance
This liability coverage may go above and beyond your car and home insurance policies to help protect you from unexpected events.