Whatever you drive, you have a lot riding on those wheels: Your loved ones and your peace of mind. Choosing the right auto insurance can help protect you from the risks of the road. Travelers will work with you from the start to help protect you wherever you go.

n addition to Travelers competitive insurance rates, you may be eligible for more than 15 money-saving discounts and advantages, including some based on your car’s safety features – e.g. airbags, anti-lock brakes or anti-theft devices – or even for your young driver’s grades. Hybrid cars may qualify for yet another reduction.

And, you could save up to 20 percent on your auto insurance when you buy other Travelers insurance policies such as homeowners insurance, personal liability umbrella insurance and boat and yacht insurance.

In the event of a loss, Travelers knows you want it resolved quickly. With Travelers, you get:
-Fast, efficient claim service and 24/7 claim reporting

-More than 12,000 claim professionals located across the country and more than 100 points of service to respond quickly to routine and catastrophic claims

-Employees, expertly trained at Travelers Claim University, to inspect your property/auto in the event of a loss

-Catastrophe response teams and vans that mobilize fast in the event of a severe weather event or disaster

As you may know, many insurance companies use credit-based scores to help determine a customer’s insurance premium. Your score is compiled through a review of your credit history and any patterns that result. It may take into account your payment history, any outstanding debts, the length of your credit history, whether you’ve filed for bankruptcy, and any new applications for credit. The score is used to help insurance companies accurately assign an appropriate price available for your policy.

Extensive research shows a correlation between credit history and insurance claim history – that those with certain patterns in their credit history are more likely to file insurance claims. Insurance scoring works by giving a higher score to those who are less likely to file claims and a lower score to those most likely to file claims.

An insurance score does not take into account income, race, gender, religion, marital status, national origin or geographic location. It only reviews your credit history.

When insurance companies know the likelihood that a customer will file a claim, they can set rates that are accurate and appropriate for each customer. This enables carriers to offer insurance coverage to a broader range of customers and helps them determine your price.

Although credit history helps predict the potential for future losses, it’s only one factor used in determining the cost of your policy. A driver’s age and prior claim history are two other important factors.

Travelers uses your insurance score together with a number of other factors to determine the appropriate pricing level available to you. Generally speaking, customers who have higher insurance scores and no prior claims or accidents qualify for our better price.

For those customers with prior claims or accidents, a higher insurance score will help them qualify for a better rate than a similar customer who has a significantly lower insurance score. In turn, customers with no prior accidents or claims, but who have low insurance scores, may also qualify for a competitive rate.

If you’ve purchased a new set of wheels, Travelers offers a way to save on your auto insurance. New car owners can receive as much as 10 percent off collision coverage – just for a newer model vehicle.

A Travelers car insurance policy can cover:
Bodily injury liability
Property damage liability
Injuries caused by uninsured/underinsured motorists
Medical payments
Comprehensive damage from events like fire and theft
Collisions with other vehicles and objects
You can also add rental reimbursement coverage, repair or replacement collision coverage, towing and labor coverage, gap insurance and more.