What discounts does Travelers offer?

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Things to remember...
  • Travelers Insurance is a larger auto insurance provider that’s been around for more than 160 years
  • The carrier has earned excellent JD Power ratings in claims service and customer service satisfaction
  • If you’re shopping for auto and property insurance, travelers offers both and sizable discounts for bundling
  • The company offers competitive premiums to experienced drivers and has received an A++ rating through AM Best
  • The company offers a total of 28 discounts that can be applied to auto insurance policies in all 50 states


Travelers Insurance has been servicing drivers in the United States for over a century. Since it was established over 160 years ago, the company has made a name for itself by offering their customers friendly service and special coverage options that you can’t find from standard insurance providers. It competes closely with other insurers like USAA, Progressive, Mercury, and Amica.

If you’re shopping around for bargain-priced insurance from the top competitors in the personal auto insurance industry, you need to consider policy features and ultimately the price. Travelers Insurance offers the right type of client affordable premiums. That’s because there is a hefty set of discounts that you can take advantage of. If you’d like to know about the discounts available with Travelers Insurance, here’s a guide just for you:

Shopping For Insurance

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Who wants to pay more than they have to for a product like auto insurance? It’s not a car, a bike, or another type of consumer good so you’re not hoping to use it frequently.

Quality does matter when you’re selecting coverage and a carrier, but this is one of those things that you have to pay for that you never want to use. That’s why you should always shop around to find a deal that you’re proud of.

Since all insurance companies have different rates and different discounts. The only way that you can thoroughly find a deal is by getting quotes for the vehicles that you own that include your personal information. By entering your information accurately, all of the discounts that you qualify will automatically be added to the rate quote.

Types of Discounts Offered By Travelers

Out of the leading names in the industry, Travelers offers 28 different auto insurance discounts that can be taken off of your premiums. The highest number of discounts is 38 and the lowest is 19, so the company is average on the spectrum of the competitors. Here is a list of discounts offered by category:

– Driver Discounts From Travelers

Adding additional drivers to your policy can always be a risk. You know that you’re a safe driver, but you can’t constantly monitor someone else’s driving habits. If you have multiple drivers on your policy, there is an advantage. Each one will qualify for a long list of driver-related discounts with Travelers. Here are the options:

  • Defensive Driver (discount that lasts for three years when drivers 55+ take a defensive or mature driver course)
  • Distant Student (for students 25 and under that are located 100 miles or more away from home)
  • Driver’s Ed (for drivers under 21)
  • Good Student (for full-time students 16-25 with a B average or better)
  • Further Education (for having a 4-year degree or higher but only in CA)
  • Homeowner
  • Occupation (discounts applied through Travelers Affinity Program)
  • Safe Driver

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– Vehicle Discounts From Travelers

Cars come standard with tons of features that didn’t even exist in the past. Features that used to cost a lot to install are becoming affordable as technology advances. This is why newer cars typically receive more discounts than older models. If you’re trying to shop for a safe car that doesn’t cost a lot to insure, look for these vehicle-related discounts:

  • Anti-lock Brakes
  • Anti-theft (passive or active)
  • Daytime Running Lights
  • Green Vehicle (for electric cars and hybrids)
  • Newer Vehicle (less than 3 years old)
  • Passive Restraint
  • Garaging/Storing based on usage
  • Green Vehicle (hybrid or electric)
  • Vehicle Recovery (for LoJack, OnStar, and Teletrac)
  • VIN Etching

– Policy Discounts From Travelers

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Not all discounts are related to the driver or the car. Sometimes carrying coverage without any lapses and choosing certain payment plans can benefit you. You might not save a huge percentage for paying on-time, but all of the discounts will add up. Here are the total policy discounts available with Travelers:

  • Claim Free (must be accident and citation free for 3 years to get a 10 percent discount and 5 years to get a 23 percent))
  • Continuous Coverage (policyholders who have verifiable proof of prior coverage)
  • IntelliDrive (save 10 percent for signing up for the app and 30 percent at renewal if you drive less than 13,000 miles)
  • Early Signing (save 3 percent if you buy insurance 1 to 3 days in advance and 10 percent if it is 15 days prior to old policy expiration)
  • Full Payment (paying total policy premium at once)
  • Low Mileage (available through Intellidrive Program)
  • Affinity Discount (available for members of certain organizations and credit unions)
  • Multi-policy (for maintaining two or more lines of insurance with the carrier)
  • Multi-car (for insuring two or more)
  • On-time Payments
  • Auto Billing

How do you find out how much you’ll save?

The only way to truly see how much a discount is going to save you is to get quotes without the discounts and compare them to quotes with them. This can be difficult when quoting systems will automatically apply discounts based on the VIN you enter or the answers you give to quoting questions.

The best thing that you can do is use a quoting tool, fill in the fields, and then compare the rates that you will get for certain levels of protection with Travelers.

Are you getting every discount that you can with your current insurer? If you’re not saving enough with the carrier that you’re doing business with now, you can start looking around in minutes.

Travelers might not offer a transfer discount for coming from another carrier, but they do offer 28 other options. Get online quotes today to see which discounts will be applied to your quote and then you can sufficiently decide what you want to do.

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