Comparing quotes is the best way to get your lowest rates from top insurers like Travelers and The Hartford. QuoteWizard is an independent company that helps you find your right policy at your best rate.
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 |
Travelers
|
The Hartford
|
| Worst If |
Travelers
|
The Hartford
|
Travelers
Travelers IntelliDrive ProgramIf 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. Hybrid/Electric Vehicle DiscountOwning 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. |
The Hartford
The Hartford offers multiple discounts to save you money on your auto insurance premium. These discounts include:
|
| 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 |
| Travelers Auto Insurance | The Hartford Auto Insurance | |
|---|---|---|
| 2016 | 34 | 30 |
| 2015 | 46 | 72 |
| 2014 | 29 | 69 |
| 2013 | 165 | 67 |
| Travelers Auto Insurance | The Hartford Auto 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 |
| Travelers Auto Insurance | The Hartford Auto 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 |
| Travelers Auto Insurance | The Hartford Auto Insurance | |
|---|---|---|
| A.M. Best | A++ | A |
| Moody's | Aa2 | A2 |
| S&P's | AA | A |
|
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. |
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. Download the Hartford Smartphone app for iPhone or Android. |
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. |
The Hartford
The Hartford Towing and LaborTowing 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
Contact Phone NumberFor immediate roadside assistance/claims service, call 1 (800) 322-7789. |