Can I customize my Travelers car insurance policy?

Subhead: You can customize your Travelers car insurance policy in many ways, from choosing your coverage limits and deductibles to buying different add-ons to ensure you have the full insurance coverage you need on your vehicle. You can customize auto insurance online when you sign up for MyTravelers®.

What You Should Know

• If you live in a state that has minimum auto insurance requirements, you must carry that coverage, but most people look to fulfill their requirements by customizing their insurance package
• Travelers offers many coverage and discount options 
• If you sign up for MyTravelers® online access, you can easily adjust your custom insurance

When you read our Travelers Insurance review, you’ll learn the various options for insurance from Travelers. You can customize your Travelers car insurance policy online using the MyTravelers® system. You may start with basic auto insurance and then add other coverage you need.

Basic Car Insurance vs. Customized Car Insurance From Travelers

Basic auto insurance is required in many states if you plan to drive. The concept behind basic insurance is to protect drivers and passengers in other cars if you cause an accident.

Basic insurance covers bodily injuries and property damage. As an abbreviation, it is described as three numbers separated by slashes, such as 25/50/25. The first number is the limit in thousands for bodily injury per person. The second number is the limit of total bodily injury in one accident. The third number is the limit for property damage from one accident. 

If you are at fault for causing the accident, the bodily injury coverage is for the other driver(s) and passengers and does not cover your injuries. The property damage coverage is for the other vehicle(s) and other things damaged by the accident but does not cover damage to your car. Because basic insurance does not adequately protect you, most people add additional coverage like full coverage car insurance.

With Travelers, you can decide how much car insurance you need. Starting with basic coverage, you may want to adjust the limits higher than the minimums. Instead of getting 25/50/25, you might choose to get 50/100/50 for basic coverage. Moreover, you will likely want to add collision coverage to protect you from the risk of damage to your vehicle and comprehensive coverage to protect you from non-collision incidents such as damage by bad weather, vandalism, or vehicle theft.

Optional Insurance

Further customization of your Travelers insurance package is available by choosing to add on one or more options, such as:

• Medical Payments (MedPay): Covers medical costs for accident injuries for you and your passengers.
• Personal Injury Protection (PIP): PIP is similar to MedPay but covers more, such as lost wages, childcare, and funeral costs.
• Uninsured/Underinsured Motorists (UIM) Coverage: This is financial protection if someone hits you without insurance or their insurance coverage is inadequate.
• Rental Car Insurance: This insurance covers you and the vehicle when you rent a car.
• Roadside Assistance: This is an add-on to your auto policy to provide emergency assistance for road problems.

Those are some examples of the customizable choices offered by Travelers. You also get to choose your coverage limits and deductible(s).

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Customize Your Travelers Car Insurance Deductibles and Discounts

With Travelers, you can customize your deductible choices and set the policy limits for the various type of coverage you carry.

You should consider your car insurance deductible in terms of the impact on your insurance rates and the out-of-pocket expense you must pay for an insurance claim. A higher deductible lowers your insurance rates, but you must pay more for the damages if you get into an accident. A higher limit increases your insurance rates, but if necessary, the insurance company pays more when you have an accident.

In addition to all the customizable choicest in your Travelers car insurance policy, you may also capture a 5% to 25% discount by knowing how to save money by bundling insurance policies.

FAQs

What is basic car insurance coverage?

Basic car insurance covers bodily injury and property damage for the other vehicle(s) if you are at fault and cause an accident.

What is collision coverage?

Collision coverage covers the damage to your vehicle if you are in an accident.

What is comprehensive coverage?

Comprehensive coverage is a customized insurance choice covering non-collision incidents such as a tree falling on your car, vandalism, or auto theft.

SEO Title Tag: Can I customize my Travelers car insurance policy?

META: You can customize your Travelers car insurance policy to meet your needs. Learn how.

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