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      Travelers: Vehicle-Level Discounts

      What are the vehicle-level discounts for Travelers' auto insurance?

      Below are the discounts available on the Travelers private passenger auto program, and applied at the vehicle level. In some instances, the discount is applied at the vehicle level but is associated with the assigned driver.

      Vehicle Level Discounts

      California Good Driver Discount

      A California Good Driver Discount is available to drivers who meet all the following criteria:

      1. have been continuously licensed for at least 3 years,
      2. have not been convicted of vehicular manslaughter or driving under the influence of alcohol or drugs during the previous 10 years,
      3. have no 2-point major violations/convictions,
      4. have no more than one violation point for a minor traffic violation/conviction or an At-Fault Accident with property damage only in excess of $1,000 total damages,
      5. have no At-Fault Accidents resulting in bodily injury or death, and no more than one violation dismissal in the past 3 years that would have resulted in more than one violation point.

      All operators that qualify as a California Good Driver and are assigned to a vehicle are eligible for the California Good Driver Discount.

      Superior Good Driver Discount

      The Superior Good Driver Discount is available to all operators assigned to a vehicle who are California Good Drivers and who meet the following additional criteria:

      1. have been licensed for at least 5 consecutive years,
      2. are assigned operators with no incidents in the past 5 years.

      Incidents are defined as At-Fault Accidents with Bodily Injury, At-Fault Accidents with Property Damage only over $1,000 ($750 if the Accident occurred prior to 12/11/2011), major and minor traffic violations/convictions, and violation dismissals.

      Months Clean Discount

      The Months Clean Discount may be available to assigned operators based on the number of months since the assigned operator’s last Incident.

      Incidents are defined as At-Fault Accidents with Bodily Injury, At-Fault Accidents with Property Damage only over $1,000 ($750 if the Accident occurred before 12/11/2011), major and minor traffic violations/convictions, and violation dismissals.

      Good Student Discount

      Good Student Discount applies when a Youthful Driver has received Good Student status and the Youthful Driver is an assigned operator on a Vehicle. The Good Student status applies provided:

      1. The owner or operator is:
        1. at least 16 years of age, and
        2. a full-time high school, home study, college, or university student.
      2. A school report has been presented to the Company upon initial application indicating that the student has met one of the following requirements:
        1. is in the upper 20% of his/her class scholastically, or
        2. maintains a "B" average, or its equivalent, or
        3. when in a school maintaining a numerical grade, must have at least a 3 in a 4, 3, 2, 1 point system or its equivalent, or
        4. when in a school that does not issue an alphabetical or numerical grade, must have a “pass” rating or higher, or
        5. is included in a "Dean's List", "Honor Roll" or comparable list indicating scholastic achievement, or
        6. is enrolled in an academic home study program and provides proof upon initial application that:
          1. the student maintains a “B” average or its equivalent, or
          2. when in a school maintaining a numerical grade, must have at least a 3 in a 4, 3, 2, 1 point system or its equivalent, or
          3. when in a school that does not issue an alphabetical or numerical grade, must have a “pass” rating or higher, or
          4. the student ranked in the upper 20% on one of the following national standardized tests administered within the past 12 months:
            1. PSAT (Preliminary Scholastic Aptitude Test)
            2. PLAN/ Pre-ACT (Preliminary American College Test)
            3. SAT-I (Scholastic Aptitude Test - I)
            4. ACT (American College Test)
            5. Iowa Test of Basic Skills
            6. California Achievement Test

      Note: A classification change resulting from a change in the scholastic standing of the student cannot be effected unless requested by the named insured.

      Student Away at School Discount

      Student Away at School Discount applies when a Youthful Driver resides at an educational institution over 100 road miles from the place of principal garaging for any listed auto and the student away is an assigned operator on a Vehicle.

      Driver Training Discount

      Driver Training Discount applies when any Eligible Driver less than 21 years of age has successfully completed a Driver Education Course meeting the State Mandated Requirements and the driver is an assigned operator on a Vehicle.

      Mature Driver Improvement Discount

      The Mature Driver Improvement Discount applies to an Auto when the principle operator has completed a Mature Driver Improvement Course.

      1. To qualify for this Discount, the following standards must be met:
        1. The course is either the Defensive Driving Course administered by the National Safety Council or any other Accident Prevention Course which is approved by the Secretary of State as meeting or exceeding the standards of the National Safety Council Defensive Driver’s Course and which is taught by an instructor approved by the Secretary of State and consists of at least 8 hours of classroom instruction.
        2. The principal operator is 55 years of age or over and has furnished satisfactory evidence that he or she has successfully completed an approved Mature Driver Improvement Course. “Satisfactory Evidence” is a certificate certifying the successful completion of the course.
      2. Apply the Mature Driver Improvement Discount for 3 years from the date the course was completed, beginning with the first anniversary subsequent to the date the request for credit is made.

      Certified Miles Program

      Policyholders that opt to be part of the Certified Mileage Program found in Rule 7.2.D. may be rated on the Certified Mileage Curve or receive an Enrollment Discount.

      1. Certified Mileage Curve – A Vehicle will be rated on the Certified Mileage Curve if Travelers can successfully obtain the necessary odometer information to calculate a Certified Mileage on a Vehicle.
      2. Enrollment Discount – Recognizing that “new to you” Vehicles will not have sufficient historical information to calculate a Certified Mileage, Travelers will apply an enrollment discount for all “new to you” Vehicles based on the mileage that a policyholder expects the Vehicle to be driven in the 12 months following policy inception. A “new to you” Vehicle is considered a Vehicle that the insured has purchased within 90 days of the policy's New Business or Renewal Effective Date or the date the Vehicle is first added to the policy.
      3. A Vehicle will not be rated on the Certified Mileage Curve if Travelers cannot successfully obtain the necessary information to calculate a Certified Mileage.

      Anti-Theft Device Discount

      The Anti-Theft Discount shall be applied to Autos equipped with an Anti-Theft Device meeting the criteria outlined in this Rule. Any discount is provided to Private Passenger Vehicles, including Antiques and Classic Vehicles. To qualify, the Anti-Theft Device must:

      • be provided by the manufacturer of a vehicle as original equipment, or installed in a vehicle by the manufacturer of the vehicle or an authorized dealer of that manufacturer; and
      • be self-activating upon locking the passenger doors of the vehicle.

      If an automobile is equipped with more than one device, apply only one classification and rating factor displayed on the Rate Pages. Use the classification that gives the largest discount.

      Anti-Theft Descriptions:

      Category 1 - Alarm Only

      1. Motor vehicles equipped with a device that does one or more of the following when activated:
        • Sounds an alarm
        • Causes the vehicle horn to sound
        • Causes the vehicle lights to flash

      Category 2 - Active Disabling

      1. Motor vehicles are equipped with an active disabling device that disables the vehicle by making the fuel, ignition, starting system, or other critical system in-operable.
      2. A disabling device is categorized as active if a separate manual step IS required to engage the device.

      Category 3 - Passive Disabling Device

      1. Motor vehicles are equipped with a hood lock which can be released only from inside the vehicle, and with a passive disabling device that disables the vehicle by making the fuel, ignition, starting system, or other critical system inoperable.
      2. A disabling device is categorized as passive if a separate manual step is NOT required to engage the device.

      Category 4 - Vehicle Recovery Systems

      1. Motor vehicles that are equipped with a vehicle recovery system.
      2. A vehicle recovery system is an operational anti-theft and recovery device consisting of an electronic homing device used in conjunction with a participating police agency (such as Lo-Jack). When activated, the electronic homing device allows law enforcement agencies to track the stolen vehicle.