Travelers Insurance vs. The Hartford

Yes, Travelers offers new car replacement insurance, which pays to replace a totaled car with a brand-new vehicle of a similar make and model. Specifically, Travelers' new car replacement insurance is available if your vehicle is less than five years old. Travelers does not disclose exact costs for its new car replacement insurance, but this type of coverage typically costs about 5% of a policyholder's premium.

Without new car replacement insurance, Travelers will only reimburse you for your totaled car's actual cash value (ACV), which is affected by factors like depreciation and physical damage. Because new cars start depreciating almost immediately after purchase, a totaled car's ACV is usually not enough to pay for a similar replacement vehicle.

If you own a new car or are looking to purchase one soon, new car replacement insurance from Travelers might be a good investment. This coverage is especially worth it if you drive a car that depreciates particularly fast, like a sports car or electric vehicle, or if you can't afford to pay partially out of pocket for a replacement car in a worst-case scenario.

To learn more, check out WalletHub's guide to new car replacement insurance.

Travelers has a rating of 3.4 out of 5 from WalletHub's editors, based on factors such as pricing, coverage options, customer reviews and watchdog-group ratings. For example, Travelers has a rating of A++ from AM Best, meaning it is financially strong and in a good position to pay out claims.

Travelers Insurance Ratings

• WalletHub Editors: 3.4/5
• AM Best: A++
• J.D. Power: 3.1
• NAIC: 0.16
• BBB: N/R
• Standard...

The main The Hartford NAIC number is 19682. The Hartford's NAIC number is the five-digit code given by the National Association of Insurance Commissioners (NAIC), which assigns numbers to authorized insurance providers in order to track customer complaints and ethics violations across state lines.

With The Hartford's NAIC number, anyone can learn more about the company's financial data, the kinds of complaints that have been filed by customers, and any enforcement actions taken against...

Yes, Travelers offers rideshare insurance as an optional add-on to a personal car insurance policy for customers who use their personal vehicle to drive for a rideshare company. Travelers rideshare insurance provides more coverage than the insurance offered by Uber and Lyft.

Travelers does not disclose how much its rideshare endorsement costs, but other companies typically charge 15% - 20% of a driver's personal premium.

Travelers Rideshare Insurance Coverage

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The phone number for Travelers roadside assistance is 1 (800) 252-4633, and representatives are available 24/7. You can also request assistance through Travelers' website or mobile app for roadside services like towing and battery jump-starts.

Travelers Roadside Assistance Contact Information

Phone: 1 (800) 252-4633

Online: Travelers' website

App: MyTravelers

You can use Travelers roadside assistance for many services, such as fuel delivery or winching, when your car breaks down.

What Travelers Roadside Assistance Offers

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Yes, Travelers offers rental car insurance. If you already have a personal auto policy from Travelers that includes liability, comprehensive, and collision coverage, this insurance will likely extend to cover your rental car. If you only have liability insurance with Travelers, physical damage to the rental vehicle will not be covered.

You can talk to a Travelers customer service representative at 1 (800) 842-5075 to see if your personal policy will extend to your rental car. If you...

The Hartford insurance rates go up by an average of 48% after an accident. Drivers who have The Hartford accident forgiveness will not see their car insurance rates go up at all after their first accident in 5 years, however. Even if the accident can't be forgiven, it will only affect your insurance rate for 3-5 years, depending on your state.

The exact amount that premiums go up after an accident depends on a few...

If you don't qualify for the Travelers safe driver discount, there are still ways for you to save on your premium. For example, Travelers offers a multi-car discount for drivers who insure two or more vehicles in their household.

To learn more, check out WalletHub's guide to Travelers discounts.

No, Travelers does not offer pay-per-mile insurance. The closest thing Travelers has to pay-per-mile insurance is IntelliDrive, a usage-based insurance program that calculates customers' premiums based on driving habits, but it does not take mileage into account.

Pay-per-mile insurance is a type of car insurance that charges customers a flat rate plus a fee for each mile driven. It's a good choice for customers who are retired, telecommuting, or driving infrequently. Notable pay-per-mile insurance programs...