What Discounts Does Travelers Offer?

You can get the Travelers safe driver discount by staying accident-free for three years. With the Travelers safe driver discount, you can save up to 23% on your premium.

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.

Yes, Travelers has a multi-car discount up to 8%. To qualify for the Travelers multi-car discount, a customer must insure two or more cars on the same Travelers auto insurance policy. The discount automatically applies to a qualifying Travelers policy, but it does not compound, meaning you won't get a bigger discount for insuring more vehicles.

In addition to Travelers's multi-car discount, the company offers other ways for customers to save money on their premiums, such as the multi-policy discount, safe driver discount, and new car discount, among others. For more information, check out the complete list of Travelers discounts. And if you're unsure whether a discount that you qualify for is being applied to your policy, you can contact Travelers by calling 1 (800) 842-5075.

Travelers does not advertise a marriage discount, though married drivers do pay less for Travelers car insurance than single drivers, on average. For example, a 45-year-old married driver with a good record on the road pays an average of 4% less for Travelers coverage than the same driver without a husband or wife. Married people also typically qualify for more Travelers discounts, like the multi-vehicle and multi-policy discounts.

Married couples tend to be more careful on the road and get into fewer accidents, which translates into lower Travelers rates. But there are some exceptions, and sometimes a shared policy can be more expensive. If your spouse has a poor driving record or is considered a high-risk driver for another reason, you could pay more for your Travelers policy.

To get a Travelers quote, you can go online or call 1-800-842-5075.

You can get the Travelers pay-in-full discount by paying for your entire car insurance policy in full up front. The pay-in-full discount allows drivers to save up to 7.5% on their car insurance premium by choosing to pay for the entire cost of their policy up front rather than opting for installments.

If you cannot pay your entire premium up front, you can still take advantage of other discounts. For example, Travelers has a good payer discount for drivers who consistently pay their premium on time.

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

Travelers is so cheap because the company offers a wide variety of discounts that almost anyone can get. A minimum coverage policy from Travelers costs an average of $58 per month, and Travelers premiums can be made even cheaper by taking advantage of discounts such as continuous insurance discount and paid-in-full discount. Plus, Travelers rewards customer loyalty with discounts for insuring more than one car and bundling multiple policies, such as home and auto.

Average Monthly Rates for Travelers vs. Top Competitors

Note: Premiums are representative of a 45-year-old good driver in CA; individual premiums will vary.

Travelers is especially cheap for young drivers in particular. That's because Travelers has special savings opportunities for drivers in this category, such as discounts for students who maintain at least a B average.

Your final premium is based on a variety of factors, though, such as your driving record, insurance history, and more. Every insurance company determines their rates differently, so even though Travelers is among the cheapest car insurance companies, the only way to confirm you've found the lowest price is to compare quotes from multiple companies.

To learn more, check out WalletHub's review of Travelers and see Travelers's full profile.

Travelers offers a defensive driving discount in 34 states and the District of Columbia for seniors who complete an approved defensive driving course. Specific age requirements vary, and the discount is only available in states that legally mandate it.

Even if Travelers doesn't offer a mature driver discount in your state, there are still other ways for you to lower your premium. For example, Travelers offers a safe driver discount, which gives a discount to drivers who have no accidents, violations or major comprehensive claims in their household for the past three years.

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

Travelers is so expensive because car insurance is expensive in general, due to rising costs for insurers. But at $639 per year, the average Travelers car insurance policy is actually cheaper than coverage from most competitors. In fact, Travelers is one of the cheapest car insurance companies nationally.

Even though Travelers offers cheaper-than-average rates, its premiums can get expensive for drivers with certain characteristics. For example, teenagers pay an average of $1,372 per year for Travelers insurance, compared to $639 per year for older drivers. Additionally, drivers who recently had an at-fault accident pay an average of $1,103 per year for Travelers coverage, which is 73% more than drivers with a clean record.

Factors That Can Make Travelers Insurance More Expensive

• Being a young or inexperienced driver
• Purchasing a full coverage policy versus minimum coverage
• Causing an accident or being convicted of a moving violation
• Living in a high-risk ZIP code
• Driving an expensive vehicle
• Having a poor credit-based insurance score

If you're struggling to afford your Travelers insurance, there are ways for you to lower your rate. For example, you can take advantage of Travelers discounts or reduce your coverage.

In some cases, it might be better to switch insurers altogether. It's usually a good idea to compare quotes from at least three different insurers to see if you can find a better deal elsewhere. Each insurer uses its own algorithm to calculate premiums, so even if Travelers is charging you a high premium, you may be able to find a cheaper policy with another insurer.

To learn more, check out WalletHub's Travelers review.

No, Travelers does not have a teacher discount. Although Travelers does not offer special discounts for educators, teachers can still save with some of the Travelers' other discounts, including a multi-policy discount, a safe driver discount, and a new car discount.

That said, car insurance companies like Travelers often take a driver's occupation into account when calculating rates (in states where it is allowed). As a result, teachers might save simply because they are in a low-risk occupation for car insurance.

Insurance companies do not disclose their exact formulas for calculating rates, however. So comparing quotes between at least three companies is still the best way to find inexpensive coverage for teachers.

Yes, Travelers offers a new car discount, which can save customers up to 10%. To qualify for a Travelers new car discount, policyholders must insure a car that is less than three years old. New car discounts from Travelers are usually applied automatically, but you can always log into your online account or call customer service at 1 800-842-5075 to double check.

In addition to the new car discount, Travelers customers can save by taking advantage of their hybrid/electric vehicle discount, driver training discount, or safe driver discount. For more information about ways to lower your premium, check out WalletHub's complete guide to Travelers discounts.