Auto Insurance

Save on your Auto Insurance with Travelers of Massachusetts.

For the first time in three decades, Massachusetts drivers can shop around for competitive rates on car insurance. While it may sound simple, we know the new policy choices can be confusing. Getting an accurate premium quote, and a policy that makes you feel secure with your coverage, requires consideration of several variables - driving record, type of vehicle, years of driving experience, and others. There are also many additional discounts and incentives available under the new competitive system. Taking advantage of these benefits can potentially save drivers 25 percent or more!

Start saving today
The new system of insurance can also mean new savings. Travelers of Massachusetts offers competitive car insurance rates and a variety of discounts to Massachusetts drivers. Speak with an agent to identify the discounts that you're eligible for:

• Pay in Full — Earn a 5% discount if you pay your full premium within 5 days of your policy effective date. Restrictions apply. Contact your Travelers of Massachusetts agent for additional details.
• Multi-Car — Earn a discount of up to 10% if you insure two or more automobiles with Travelers of Massachusetts.
• Age 65 and Older — If you're a policyholder age 65 or older and the primary driver on a policy, you may be eligible for up to a 25% discount. There must be no inexperienced operators (fewer than 6 years driving experience) on the policy and the vehicle must not be customarily used for business. Restrictions apply.
• Air Bag / Automatic Seatbelts — Earn a discount of up to 25% if your vehicle is equipped with air bags or automatic seat belts.
• Annual Mileage — Earn a discount of up to 10% if your annual mileage (verified) falls between 0-5000 miles. Up to a 5% discount is available if your annual mileage (verified) falls between 5001-7500 miles. Please note: antique vehicles are not eligible for this discount.
• Anti-Theft Device / Vehicle Recovery System — Earn up to a 36% discount if your vehicle has a qualifying anti-theft device installed. Your insurance agent can provide you with a list of the qualifying anti-theft devices and the corresponding discounts available.
• Public Transit Commuter — A public transit discount of up to 10% (up to a maximum of $75 per eligible vehicle) is available if you provide your insurer with evidence of purchase of 11 months of commuter passes from qualified transit systems, and you do not drive your automobile to work or school. Supporting documents required for proof of eligibility.
• Sponsored Marketing Group Discount — You may qualify for a discount if you are a member of one of our sponsored marketing groups. View sponsored marketing groups.

Credit Factors
Credit factors provide additional ways to save on your auto insurance with Travelers of Massachusetts. Our credit factors are available for hybrid vehicles, good students, customer who have eligible property insurance policies, and customers who are members of roadside assistance programs.

Credit factors are applied to specific coverages in the calculation of the premium for your policy. As a result, the impact of a credit factor on the premium you pay will vary based on the interaction of your individual rating characteristics and the coverages you select.

• Hybrid Car — If you insure a hybrid vehicle with Travelers of Massachusetts, a 10% credit factor will be applied to the premium calculation for compulsory coverages (Parts 1, 2, and 4) and, if selected, optional coverages (Parts 5, 7, 8 and 9).
• Good Student — A 10% credit factor will be applied to the premium calculation for compulsory coverages (Parts 1, 2 and 4) and, if selected, optional coverages (Parts 5, 7, 8 and 9) if the driver assigned to the vehicle is an exceptional high school, college or university student between the ages of 16½ and 24. Students on the Dean's List, Honor Roll, those in the upper 20% of their class, or students maintaining a B average or better (3.0 and above) qualify for this discount.
• Companion Policy — A credit factor (described in the chart below) will be applied to the premium calculation for compulsory coverages (Parts 1, 2 and 4) and, if selected, optional coverages (Parts 5, 7, 8 and 9) if you have a homeowner, tenant or condo policy written with Travelers or another carrier. As indicated below the size of the credit varies based upon the type of companion policy, whether the companion policy is insured by Travelers, and the number of vehicles on your automobile policy.
  
  

  Policy Type	Single Vehicle Policy with Travelers	Multiple Vehicle Policy with Travelers	Single Vehicle Policy with Other Carrier	Multiple Vehicle Policy with Other Carrier
  HO Dwelling	7%	12%	4%	8%
  Condo, Tenant	3%	5%	1%	2%

  
  
• Roadside Assistance — If you, or a principal operator of an insured vehicle, is a member of a qualifying roadside assistance program, a 5% credit factor will be applied to the premium calculation for optional coverages (Parts 7, 8 and 9). Qualifying roadside assistance programs are those which are purchased at a fair market value, independent of the vehicle purchase transaction, and provide roadside services and towing assistance throughout the Continental United States.

We'll be there when you need us
Accidents happen even to the best drivers. How your insurance company handles your claim is the true test of its value. Travelers of Massachusetts is dedicated to providing all of our customers with fast and convenient claim service around the clock, 365 days a year. Plus, our ConciergeCLAIM Program provides customers with worry-free claim service from start to finish. Learn more about ConciergeCLAIM.

Not sure where to start?
The first step should include speaking with a trusted agent to evaluate your needs. Travelers of Massachusetts partners with independent agents who know the market and can help you find the best insurance value for your needs. Request a quote on-line or use our Agent Locator to find an agent in your area and get started today!

Coverage is provided by The Premier Insurance Company of Massachusetts, an independent, single-state subsidiary of The Travelers Indemnity Company. This material is for informational purposes only. All statements herein are subject to the provisions, exclusions and conditions of the applicable policy. For an actual description of all coverages, terms and conditions, refer to the insurance policy. Coverages are subject to individual insureds meeting our underwriting qualifications, and to state availability.