How can I get a Travelers affiliation discount?

Yes, Travelers does have a military discount of 25% off a customer’s auto insurance premium, but only in Louisiana. The Travelers military discount is available to eligible members of the United States Armed Forces community who are based in Louisiana or whose spouse and/or dependents live there. However, there is no official Travelers military discount for drivers in other states.... read full answer

Louisiana is the only state that requires car insurance companies to offer military discounts, so service members and their families based in Louisiana will save on their car insurance premiums regardless of the company. To ask Travelers to apply a military discount to your policy, call 1 (800) 842-5075.

Travelers Military Discount Eligibility Requirements

• Are an Active Duty Soldier based in Louisiana
• Are an Active Duty Soldier and deployed out-of-state or overseas from Louisiana
• Are an Active Duty Soldier and deployed out-of-state or overseas, with a spouse and/or dependents who are based in Louisiana

Drivers who do not live in Louisiana but are military personnel may be eligible for other Travelers discounts. For instance, Travelers offers a good driver discount if you have maintained a clean driving record for several years.

To learn more, check out WalletHub’s Travelers review, as well as our picks for the best military car insurance companies.

Yes, Travelers insurance rates are competitive, as the company is one of the 10 cheapest insurers nationally, according to WalletHub data. Travelers car insurance costs an average of $639 per year, or $53 per month.

Travelers’ car insurance rates are based on your driving record and experience, along with factors like the type of car you drive, your ZIP code, your insurance history, and more. Your coverage and deductible choices also impact your final quote, as do your eligibility for discounts.... read full answer

Sample Travelers Car Insurance Rates

Note: These rates are approximations based on sample quotes from Travelers. Actual rates will vary.

To learn more about how we obtained these sample quotes, check out the methodology section of our complete Travelers car insurance review.

You can lower your American Family car insurance costs by taking advantage of American Family discounts, opting for a higher deductible, and reducing your coverage, among other things. American Family considers a variety of factors when calculating your premium, though some – like your age and location – are out of your control. Fortunately, you can take steps to influence other factors in order to lower your rate.... read full answer

How to Lower the Cost of Car Insurance from American Family

Use American Family’s auto insurance discounts

American Family offers a wide variety of discounts that can help you lower your overall car insurance bill. For example, drivers can get a discount of up to 10% if their teen completes 3,000 miles or one year in the Teen Safe Driver program. Or you can save up to 23% on your premium if you bundle your home and auto policies with American Family.

Raise your car insurance deductible

Opting for a higher deductible on any of your insurance policies from American Family can lower your premium. But if you decide to go this route, it’s important that you choose a deductible amount that you can still afford if you suddenly need to file a claim. Otherwise, you might not be able to use the coverage that you have.

Reduce your car insurance coverage

Most states require a certain amount of bodily injury liability and property damage liability coverage. But there are other coverage options (like comprehensive, collision, personal injury protection, and uninsured motorist) that you may not have to purchase, depending on your state. Less coverage usually means lower premiums, but it could also lead to higher costs in the long run, so it’s important to approach coverage decisions with caution.

Improve your driving record

Practicing safe driving habits and avoiding moving violations can help you qualify for lower American Family insurance rates long-term. You may also be able to attend traffic school in order to remove a violation or points from your record, depending on your state.

Build and improve your credit

Because your credit history is correlated with your likelihood of filing an insurance claim, American Family uses your credit data to calculate your premium in states where it is legal. As a result, having good credit makes you less of an insurance risk, which will reduce your rates over time.

Drive less

Whether you can shorten your commute to work, use more public transportation, or even ride a bicycle more, driving fewer miles each year could lower your American Family premium.

Drive an insurance-friendly car

Expensive cars, sports cars, and cars with high rates of theft are considered to be riskier to insure than cheaper, more practical vehicles. Before you buy a new car, get a new quote from American Family to see how it will affect your rate. If the cost is out of your budget, then you should probably choose a different car.

Sign up for KnowYourDrive

KnowYourDrive, the American Family telematics program rewards you for good driving with a discounted premium. Specifically, KnowYourDrive tracks miles driven, speed, acceleration, braking, distracted driving, and the time of day that you drive. By using KnowYourDrive, drivers can save up to 20% on their rate.

Finally, if you’re still struggling to afford your American Family policy, you should consider switching insurers. Even if you’re not actively looking for a new policy, it’s generally a good idea to compare quotes from three different companies every 6-12 months. To learn more, check out WalletHub’s guide to switching car insurance companies.