Esurance and Travelers are both big insurance companies with their respective auto policies and discounts. Esurance was founded in 1999, and Travelers was founded more than a century earlier, in 1864. Both companies offer a wide range of auto discounts, and rate quite closely for financial strength and J.D. Power ratings.
While Esurance is best known for its low premiums and online claims service, it lacks a reliable roadside assistance program. Moreover, Travelers also has flexible payment plans and reasonable premiums, but has received many reviews regarding poor customer service.
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.
There are a few discounts unique to Esurance that stand out. We’ll provide you with more information on these discounts below.
This discount gives you 5 percent off of your first-term premium for auto insurance. All you have to do to get this discount is start a quote online at esurance.com.
This discount saves you 10 percent off your premium if you pay the full amount instead of monthly payments.
This discount saves you up to 5 percent off your premium for the first two policy terms. You can get this discount when you switch to Esurance from your current insurer.
You can get this discount when you buy emergency road assistance from a different provider like AAA. It can can save you up to 5 percent on your premium.
You can get this discount if you attended or are an alum of a Pac-12 school.
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, you drive with the IntelliDrive device, and then return it to Travelers. From there, the company assesses your mileage discounts and gives you any rewards you are eligible for receiving.
Owning a hybrid or electric car helps save energy and help the environment. If you drive one of these vehicles, you can save up to 10 percent on your auto insurance with Travelers. It’s how the company rewards customers who decide to have a positive impact on the environment by owning one.
Comparing quotes is the best way to get your lowest rates from top insurers like Esurance and Travelers. QuoteWizard is an independent company that helps you find your right policy at your best rate.
| Bundling Coverage Discounts | Esurance | Travelers |
|---|---|---|
| Multi-Car | ||
| Home and Car | ||
| Car and Life | ||
| Vehicle Type and Safety Features | Esurance | Travelers |
| 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 | Esurance | Travelers |
| Accident Free/Good Driver | ||
| Prior Insurance | ||
| Long Term Policy Holder | ||
| Defensive Driving Course | ||
| Student, Professional, and Club Memberships | Esurance | Travelers |
| Affinity Group | ||
| College Graduate | ||
| Good Student | ||
| Resident Student | ||
| Organization or Club Membership | ||
| Farm Bureau Member | ||
| Military | ||
| Special Circumstances | Esurance | Travelers |
| Telematics Device | ||
| Low Mileage | ||
| Short Commute | ||
| Days Per Week Driven | ||
| Other Discounts | Esurance | Travelers |
| Married | ||
| Paid in Full | ||
| Advance Renewal | ||
| Electronic Funds Transfer | ||
| Senior Driver | ||
| 55 and Retired |
| Esurance Auto Insurance | Travelers Auto Insurance | |
|---|---|---|
| 2016 | 48 | 34 |
| 2015 | 67 | 46 |
| 2014 | 47 | 29 |
| 2013 | 43 | 165 |
| Esurance Auto Insurance | Travelers Auto Insurance | |
|---|---|---|
| Overall Purchase Experience | Average | Above average |
| Policy Offerings | Average | Average |
| Pricing | Average | Above average |
| Local Agent | Average | Average |
| Call Center Representative | -- | Above average |
| Insurer Website | Among the best | -- |
| Esurance Auto Insurance | Travelers Auto Insurance | |
|---|---|---|
| Overall Satisfaction | Below average | Average |
| First Notice of Loss | Below average | Average |
| Service Interaction | Below average | Average |
| Appraisal | Below average | Average |
| Repair Process | Below average | Average |
| Rental Car Experience | Below average | Below average |
| Settlement | Below average | Average |
| Esurance Auto Insurance | Travelers Auto Insurance | |
|---|---|---|
| A.M. Best | A+ | A++ |
| Moody's | -- | Aa2 |
| S&P's | -- | AA |
Esurance
Esurance MobileThis app lets you take care of your insurance anytime and anywhere. View your insurance ID cards, file a claim, track claim status, and pay your premiums directly from your mobile device. Esurance Mobile makes managing your insurance fast, smart, and easy. Click here to download the app for iPhone or Android. |
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 Travelers Mobile app here. |
Esurance
Esurance Emergency Road Service coverageEsurance offers free roadside assistance 24/7. The company pays up to $75 per incident toward:
Roadside assistance is free if you select comprehensive and collision coverage for a vehicle on your insurance policy. Emergency Road Service offers free rescue tracking. It uses your smartphone to give the service provider your exact location. It will also give you updates on their ETA. Emergency Road Service is only eligible for Esurance covered vehicles. Roadside Assistance Phone: 1 (888) 374-6472 |
Travelers
Travelers Roadside AssistanceTravelers Roadside Assistance if offered at two levels of coverage ranging from basic to premium. Basic Roadside AssistanceServices covered
Premier Roadside AssistanceCovers all services in the basic package and:
If you're stranded and need a rental car Travelers will reimburse you for $200 a day. But only if you break down over 100 miles from home.
Up to $500 limit for items damaged or stolen in the breakdown or incident. Contact Phone NumberTravelers’ Roadside Assistance is available by calling 1 (877) 252-4633. Its website is here. |