Every day, the GEICO cavemen, Allstate’s good hands people, and your friendly neighborhood State Farm Agent that is always on your side at Nationwide sell you images of why they are the best company for you.  Let’s face it, we all work hard and want to save money on car insurance and home insurance.  As an insurance agent, I see the commercials you see every day.  As an independent insurance agent, I am faced with the task of presenting different companies to my clients.

When a client makes a special visit to my office to talk about their claims experience, as an agent I am forced to take another look at that company.  Recently, Regina H, one of my clients was involved in an accident and Travelers had to handle the claim.  After the Travelers Concierge Claims Center located at Crest Infinity of Plano, Texas repaired her car, Regina came to the office and stated the following:  “…David, this was the best insurance claims experience I’ve ever had!  I took my car the concierge place (claims center); they took my keys and gave me a perfect car back—no problems.  I don’t know if you can get me with Travelers, but I like that company.”

It is rare that we take time to recognize when an insurance company does well.  I say, “Kudos to the Travelers Texas Claims team and their representatives.”  I have started taking a closer look at their policies and their discounts.  Do I recommend Travelers on every deal?  The answer is no.  Since, as an independent insurance agent, I realize that one size does not fit all. Therefore, everyone does not always get the best rates through the same company. When it comes to your car insurance and your home insurance, make sure that you go beyond simply getting the lowest rates alone.  Ask yourself the following questions:

1. Is the company reputable?  The majority of the companies you see on television are good insurance companies.  They have to be.
2. Are their rates good for you?  Face it, if you have perfect credit and you have a good driving record, every company will give you a good rate.  What about you?  Don’t just settle for the first name brand company’s prices.  Talk to an independent agent.
3. How well do they handle claims?  An insurance company is only as good as your last claim.  You can get a cheap car insurance quote or a cheap home insurance quote, but if you have a claim, is your company going to respond like Travelers did for Regina?
4. Do they offer package discounts?  Often insurance companies offer discounts for insuring auto and home together.   

In the case of Regina H and Travelers, it is time for her annual review.  We will take a closer look at Travelers because they’ve apparently passed my 4 question test.  They have been around for about 150 years.  Travelers recently increased their auto and home package discount.  So, now Regina can get even better rates.  We all know how well the Concierge Claims Center handled Regina’s claims.  Also, the most recent rate was a good one.

Remember, this story when you’re shopping for car insurance or home insurance.  A good claims experience and a reputable company can go a long way saving you money and not costing you problems down the road.

Travelers Texas auto insurance offers competitive rates on auto insurance with broad coverages and additional optional coverage to enhance your protection. Plus, important extras to get you on the road fast in the event of an accident.

The Travelers Texas Auto Policy Provides:

• Collision Coverage. Covers auto damage from a collision with another car.
• Comprehensive Coverage. Covers auto damages from causes such as fire, theft, hail, vandalism or many other events.
• Bodily Injury Liability. Protects against a claim or lawsuit if others are injured in an auto accident that you or your family are considered legally responsible.
• Property Damage Liability. Protects against a claim or lawsuit for any damage you may cause by an auto accident to someone else’s auto or property.
• Medical Payments. Pays for reasonable medical expenses, or certain other expenses resulting from an auto accident for you, your family and your passengers.
• Uninsured/Underinsured Motorist. Covers injury resulting from a hit-and-run accident or uninsured driver.

Additional Coverage Options:

• Rental Reimbursement. Covers the expense of a rental car while your vehicle is being repaired.
• Towing and Labor. Provides towing service for a disabled vehicle.

Getting You On the Road Is Our First Priority

Travelers Texas Auto Insurance offers these important extras:

• Fast, efficient claim handling available around the clock, 365 days a year
• Countrywide, guaranteed auto repair program
• World-class auto glass repair shops that can provide service at your home or office

You Can Save With Travelers

In addition to competitive rates that recognize customer differences, Travelers offers a variety of features that may further reduce your premiums:^*

• Multi-car
• Hybrid Auto
• Good driver
• Driver training
• Good student
• Savings for vehicles with passive restraints, airbags, anti-lock brakes
• Certain anti-theft devices

For even greater savings, convenience and simplicity, you can bundle your Texas auto policy with another Travelers Texas home, condominium, or tenant policy.