Compare Travelers vs. The Hartford Insurance

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The Hartford and Travelers are two top-rated companies in the insurance industry. The Hartford was founded in 1810, and Travelers was founded in 1864. Travelers is ranked #3 in top auto insurers for 2016, while The Hartford is ranked #11. Additionally, Travelers is well-liked for its excellent GAP coverage and flexible payment plans, and The Hartford has outstanding claims support services and a tremendous selection of discounts, especially for AARP members. However, The Hartford lacks 24-hour claims support, and Travelers’ website could improve its learning materials and resources. Still, both companies have excellent financial strength ratings. So which one offers the kinds of discounts, services, and even customer ratings that best fit your car insurance wants and needs? Keep reading to find out.

Best If/Worst If

  Travelers The Hartford
Best If Travelers
  • You need flexible payment plans or GAP coverage
The Hartford
  • You’re also an AARP member
Worst If Travelers
  • You value customer satisfaction or a strong website
The Hartford
  • You want or need 24-hour customer support for more than just claim-related issues

Special Car Insurance Discounts

Travelers The Hartford
Travelers

Travelers IntelliDrive Program
If you are a low-mileage driver, you can save money on your auto insurance policy with IntelliDrive. Once you sign up, you receive a small device that you plug in under your car’s dashboard. For about 60 to 90 days (two to three months), you drive around with the IntelliDrive device in place, and then return it to Travelers. From there, the company assesses your mileage discounts and gives you any rewards you are eligible for receiving.

Hybrid/Electric Vehicle Discount
Owning a hybrid or electric car helps save energy and thus helps the environment. If you happen to drive one of these vehicle types, you can save up to 10 percent on your auto insurance with Travelers. It’s the company’s way of rewarding customers who decide to have a positive impact on the environment by owning a hybrid or electric car.

The Hartford

The Hartford offers multiple discounts to save you money on your auto insurance premium. These discounts include:

  • Bundle Insurance Savings discount
  • Anti-Theft Device discount
  • Air Bags discount
  • Defensive Driver Course discount
  • Vehicle Fuel Type discount
  • Driver Training discount
  • Good Student discount

Standard Car Insurance Discounts

Bundling Coverage Discounts Travelers The Hartford
Multi-Car
Home and Car
Car and Life
Vehicle Type and Safety Features Travelers The Hartford
Alternative Fuel
Electronic Stability Control (ESC)
Anti-Lock Brake
Anti-Theft
Passive Restraint
New Car
Economy Car
Utility Vehicle
Farm or Ranch Vehicle
Driving Record and Insurance History Travelers The Hartford
Accident Free/Good Driver
Prior Insurance
Long Term Policy Holder
Defensive Driving Course
Student, Professional, and Club Memberships Travelers The Hartford
Affinity Group
College Graduate
Good Student
Resident Student
Organization or Club Membership
Farm Bureau Member
Military
Special Circumstances Travelers The Hartford
Telematics Device
Low Mileage
Short Commute
Days Per Week Driven
Other Discounts Travelers The Hartford
Married
Paid in Full
Advance Renewal
Electronic Funds Transfer
Senior Driver
55 and Retired

Consumer Complaint Data

Travelers Car Insurance The Hartford Car Insurance
2016 34 30
2015 46 72
2014 29 69
2013 165 67

U.S. Auto Insurance Shopping Study (2016)

Travelers Car Insurance The Hartford Car Insurance
Overall Purchase Experience Above average Among the best
Policy Offerings Average Among the best
Pricing Above average Among the best
Local Agent Average Average
Call Center Representative Above average Average
Insurer Website -- Among the best

U.S. Auto Insurance Claims Satisfaction Study (2015)

Travelers Car Insurance The Hartford Car Insurance
Overall Satisfaction Average Above average
First Notice of Loss Average Above average
Service Interaction Average Below average
Appraisal Average Average
Repair Process Average Among the best
Rental Car Experience Below average Average
Settlement Average Above average

Financial Strength Ratings

Travelers Car Insurance The Hartford Car Insurance
A.M. Best A++ A
Moody's Aa2 A2
S&P's AA A

Mobile Apps

Travelers The Hartford
Travelers

Travelers Mobile is the insurance company’s basic website consolidated onto a mobile-friendly platform. Access right from your mobile phone your insurance policy details, information on current claims you’ve filed, and pay your insurance premiums. You can download the app here

The Hartford

The Hartford Smartphone App for Auto and Home lets you manage your insurance policies directly and conveniently from your mobile device. You can store and view your ID cards, pay your premiums, and track any claims you’ve made. Even without having to log in, you’ll have access to roadside assistance as well as an emergency checklist. Also available is a repair service finder, replacement vehicle locator, insurance agent locator, and much more. To download the app for iPhone or Android, click here

Roadside Assistance

Travelers The Hartford
Travelers

Travelers Roadside Assistance

Travelers Roadside Assistance if offered at two levels of coverage ranging from basic to premium.

Basic Roadside Assistance

Services covered

  • Towing up to 15 miles
  • Battery service
  • Fuel delivery
  • Tire change
  • Lockout assistance

Premier Roadside Assistance

Covers all services in the basic package and:

  • Trip Interruption Coverage

If your stranded and need rental car service Travelers will reimburse you for $200 a day for meals and lodging if you break down over 100 miles from home.

  • Personal Property coverage

Up to $500 limit for items damaged or stolen in the breakdown or incident.

Contact Phone Number

Travelers’ Roadside Assistance is available by calling 1 (877) 252-4633. Its website is here.

The Hartford

The Hartford Towing and Labor

Towing and Labor coverage is available on your existing auto insurance policy. It covers the tow and labor costs, but does not cover additional parts needed for repairs to the car.

The Hartford offers Towing and Labor coverage, which includes all the services that a standard roadside assistance package would have.

Services Covered

  • Towing
  • Tire repair
  • Battery service
  • Gas delivery

Contact Phone Number

For immediate roadside assistance/claims service, call 1 (800) 322-7789.