Farmers and Travelers are two well-known companies in the world of insurance. Both companies have an A+ rating from A.M. Best as well as high J.D. Power ratings. Travelers was rated the #3 auto insurer for 2015. It also has IntelliDrive to help customers drive more safely and earn discounts on their policies. Farmers has great customer service reviews and extensive policy options and coverage.
However, Travelers has a below-average customer satisfaction rating, and Farmers’ website materials are not as complex or reliable as they could be.
So which one offers the discounts, services, and customer ratings that best fit your car insurance wants and needs? Keep reading to find out.
Farmers Inner Circle is an exclusive hub for Farmers customers. It has tips and resources for saving money on insurance and how to keep your rates low.
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 Farmers and Travelers. QuoteWizard is an independent company that helps you find your right policy at your best rate.
| Bundling Coverage Discounts | Farmers | Travelers |
|---|---|---|
| Multi-Car | ||
| Home and Car | ||
| Car and Life | ||
| Vehicle Type and Safety Features | Farmers | 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 | Farmers | Travelers |
| Accident Free/Good Driver | ||
| Prior Insurance | ||
| Long Term Policy Holder | ||
| Defensive Driving Course | ||
| Student, Professional, and Club Memberships | Farmers | Travelers |
| Affinity Group | ||
| College Graduate | ||
| Good Student | ||
| Resident Student | ||
| Organization or Club Membership | ||
| Farm Bureau Member | ||
| Military | ||
| Special Circumstances | Farmers | Travelers |
| Telematics Device | ||
| Low Mileage | ||
| Short Commute | ||
| Days Per Week Driven | ||
| Other Discounts | Farmers | Travelers |
| Married | ||
| Paid in Full | ||
| Advance Renewal | ||
| Electronic Funds Transfer | ||
| Senior Driver | ||
| 55 and Retired |
| Farmers Auto Insurance | Travelers Auto Insurance | |
|---|---|---|
| 2016 | 167 | 34 |
| 2015 | 262 | 46 |
| 2014 | 237 | 29 |
| 2013 | 300 | 165 |
| Farmers 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 | Below average | -- |
| Farmers Auto Insurance | Travelers Auto Insurance | |
|---|---|---|
| Overall Satisfaction | Average | Average |
| First Notice of Loss | Average | Average |
| Service Interaction | Above average | Average |
| Appraisal | Average | Average |
| Repair Process | Average | Average |
| Rental Car Experience | Average | Below average |
| Settlement | Average | Average |
| Farmers Auto Insurance | Travelers Auto Insurance | |
|---|---|---|
| A.M. Best | A | A++ |
| Moody's | Aa3 | Aa2 |
| S&P's | A+ | AA |
Farmers
Farmers Insurance Mobile Apphelps customers manage their insurance on the go. You can instantly view ID cards, connect with your agent, and pay your monthly premiums in one place. The app also lets you:
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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. |
Farmers
Farmers Towing & Roadside AssistanceCovers roadside services up to $150 Services covered:
Farmers Towing & Roadside Assistance works with over 20,000 road services shops. If you use a service that's out of Farmers network, you'll have to file a claim for up to $150. Farmers’ Roadside Emergency Safety Contact NumberCall 1 (800) 435 -7764 or click here for help with assistance with roadside issues. This service help you with an emergency tow, jump start, flat tire, lockout assistance, winching, and ambulance services. |
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. |