Travelers vs Amica
A detailed comparison of Travelers and Amica auto insurance, including coverage options, accident forgiveness, new car protection, safe-driving programs, discounts, roadside assistance, repair support and other features that can affect the way a policy fits your needs.
“`Travelers vs Amica at a Glance
“`Travelers and Amica both provide standard auto insurance coverage and additional options for drivers who want to customize protection. However, their programs and policy structures differ in several areas.
Telematics
Travelers offers IntelliDrive and IntelliDrive 365, with availability and rating effects determined by program and state.
Telematics
Amica’s StreetSmart program evaluates driving behavior and can provide premium discounts to eligible participants.
Different approaches
Travelers offers Premier New Car Replacement, while Amica provides New Car Replacement and Better Car Replacement options through its coverage structure.
Travelers vs Amica Coverage Comparison
“`| Coverage / Feature | Travelers | Amica |
|---|---|---|
| Liability | Available | Available |
| Collision | Available | Available |
| Comprehensive | Available | Available |
| Uninsured / Underinsured Motorist | Available | Available |
| Medical / Personal Injury Protection | Available depending on state | Available depending on state |
| Roadside Assistance | Optional coverage | Available through eligible coverage options |
| Rental / Transportation | Available | Available |
| GAP Coverage | Available | Available |
| New Car Replacement | Premier New Car Replacement | Available through YourPlan |
| Accident Forgiveness | Available for eligible policies | Included with eligible Signature policies |
| Telematics | IntelliDrive / IntelliDrive 365 | StreetSmart |
Travelers IntelliDrive vs Amica StreetSmart
“`IntelliDrive
Travelers uses smartphone-based telematics programs to evaluate driving behavior and provide feedback.
- Measures selected driving behaviors.
- Uses driving data to determine insurance savings or rating effects.
- Availability varies by state and program.
- Riskier driving may result in a higher premium depending on the program and state.
- IntelliDrive is a 90-day program.
StreetSmart
Amica’s StreetSmart app tracks selected driving behaviors and uses driving data to determine eligible discounts.
- Measures hard braking and speeding.
- Measures phone distraction, phone use and screen tapping.
- Uses a rolling 91-day driving score.
- Eligible new policyholders can receive an enrollment discount.
- Amica states that StreetSmart driving data affects the discount rather than increasing the rate because of the score itself.
Travelers IntelliDrive 365 vs Amica StreetSmart
“`Continuous telematics program
IntelliDrive 365 is designed as an ongoing driving program rather than a short monitoring period.
- Available only in participating states.
- Uses smartphone technology to evaluate driving behavior.
- Safe driving can produce savings at renewal.
- Travelers states that riskier driving can result in a higher premium.
- Travelers lists potential safe-driving savings of up to 35% at renewal.
Driving score and rewards
StreetSmart uses a rolling 91-day score and provides eligible participants with opportunities for premium discounts and rewards.
- Available in participating states.
- Tracks braking, speeding and phone distraction.
- New policyholders may receive an enrollment discount.
- Eligible drivers can earn up to 20% off their premium.
- Safe-driving rewards can also be redeemed for eligible gift cards.
New Car Replacement: Travelers vs Amica
“`New-vehicle protection can become particularly important during the first years of ownership because a total loss may leave a vehicle owner facing depreciation and replacement costs.
| Vehicle Protection | Travelers | Amica |
|---|---|---|
| New Car Replacement | Premier New Car Replacement can replace a qualifying totaled vehicle with a brand-new vehicle of the same make and model. | New Car Replacement is included within Amica’s YourPlan coverage options, subject to applicable conditions. |
| Replacement period | Travelers states that Premier New Car Replacement applies when the vehicle is totaled during the first five years of ownership, subject to eligibility requirements. | Amica provides New Car Replacement through its coverage options; exact eligibility and conditions depend on the policy and state. |
| Better Car Replacement | Travelers’ featured new-car protection focuses on replacement with the same make and model. | Better Car Replacement can base the settlement on a vehicle that is one model year newer, subject to the coverage terms. |
| GAP Protection | Loan/lease gap coverage is available. | GAP insurance is available as an optional coverage. |
Accident Forgiveness Comparison
“`Accident Forgiveness
Travelers offers Accident Forgiveness as an optional feature for eligible customers. The company states that it can forgive one accident over a specified period and help prevent a premium increase associated with that accident.
Availability and eligibility vary by state and policy. Travelers also offers Responsible Driver Plan options that can include accident and minor violation forgiveness.
Auto Accident Forgiveness
Amica offers Auto Accident Forgiveness with Signature auto policies. Its official coverage information states that the first qualifying chargeable accident may be forgiven when applicable conditions are met.
Amica states that eligibility, limits and availability vary by state and policy.
Roadside Assistance and Repair Support
“`24/7 Roadside Assistance
Travelers offers roadside assistance for situations such as a flat tire, fuel delivery, dead battery or towing need.
- 24/7 roadside assistance.
- Flat-tire assistance.
- Fuel delivery.
- Jump-start service.
- Towing.
Roadside and Repair Assistance
Amica provides roadside assistance that can include towing, flat-tire changes, battery jump-starts, fuel delivery and lockout services.
- 24/7 roadside assistance.
- Certified repair-shop network.
- Claims-related repair warranty at participating shops.
- Customer choice of repair shop.
- Auto glass repair and replacement support.
Repair Parts and Vehicle Restoration
“`Amica Quality Parts Guarantee
Amica’s Quality Parts Guarantee is included with Advantage and Signature auto policies. For qualifying vehicles that are 10 model years old or newer, repair estimates are based on new OEM parts when those parts are still being made and readily available.
If OEM parts are unavailable, other parts of like kind and quality may be used according to the coverage terms.
Travelers Vehicle Protection
Travelers’ vehicle-related options include Premier New Car Replacement, rental coverage, loan/lease gap coverage and roadside assistance. Coverage availability and conditions vary by policy and state.
Rental Car and Transportation Coverage
“`| Transportation Feature | Travelers | Amica |
|---|---|---|
| Rental reimbursement | Extended Transportation Expenses coverage can help pay for a rental car or other transportation after a covered loss. | Rental and Alternative Transportation coverage is available through Amica’s coverage options. |
| Alternative transportation | Travelers can cover certain transportation expenses according to the selected limits and policy terms. | Amica’s YourPlan options can include rental and alternative transportation coverage. |
| Rideshare / delivery | Travelers offers a limited ridesharing endorsement in qualifying states. | Amica lists rideshare or delivery-driving coverage as an available auto coverage option. |
Amica YourPlan Coverage Structure
“`One of the notable differences is how Amica presents several optional benefits through its Essential, Advantage and Signature coverage tiers.
| Feature | Essential | Advantage | Signature |
|---|---|---|---|
| New Car Replacement | Included | Included | Included |
| Full Glass | — | Included | Included |
| Roadside Assistance | — | Available | Available |
| Rental / Alternative Transportation | — | Available | Available |
| Quality Parts Guarantee | — | Included | Included |
| Better Car Replacement | — | — | Included |
| Accident Forgiveness | — | — | Included |
Amica states that coverage and feature availability can vary by state.
“`Discounts and Potential Savings
“`Ways to save
- IntelliDrive savings for eligible participants.
- IntelliDrive 365 safe-driving savings.
- Responsible Driver Plan features.
- Bundle-related savings.
- Other discounts based on driver, vehicle and policy characteristics.
Ways to save
- StreetSmart safe-driving discount.
- Multi-policy bundling discounts.
- Accident-free discounts.
- Defensive-driver discounts.
- Vehicle safety and anti-theft discounts.
- Other discounts based on eligibility.
Telematics Savings: Important Differences
“`IntelliDrive
Travelers states that safe driving can produce savings and that riskier driving may result in a higher premium depending on program and state.
IntelliDrive 365
Travelers states that safe driving can lead to savings of up to 35% at renewal in applicable circumstances.
StreetSmart
Amica states that eligible participants can earn up to 20% off their policy premium through StreetSmart.
Which Features Matter for Different Drivers?
“`Travelers vs Amica: How to Compare Your Actual Price
“`There is no single Travelers or Amica price that applies to every driver. Auto insurance premiums can change based on location, driving history, vehicle, coverage limits, deductibles, claims history and other underwriting factors.
Use identical limits
Request comparable liability limits, deductibles, collision and comprehensive coverage.
Compare optional features
Check new-car replacement, accident forgiveness, roadside assistance, rental coverage, GAP and other features you actually need.
Review the final quote
Compare the actual premium and policy terms rather than relying only on advertised discount percentages.
Travelers vs Amica: Questions to Check Before Buying
“`- Is the coverage available in your state?
- Are the advertised telematics savings available for your policy?
- Will the selected telematics program affect only discounts or also premium rating?
- What deductible applies to collision and comprehensive claims?
- Is new car replacement available for your specific vehicle?
- Does accident forgiveness apply to your driver and policy?
- What rental or alternative transportation limits are included?
- Does your vehicle qualify for OEM or quality-parts protection?
- What roadside services and limits are included?
- Are there state-specific restrictions or exclusions?
Frequently Asked Questions
“`What is the main difference between Travelers and Amica auto insurance?
Both provide standard auto insurance coverages and optional features, but their programs differ. Travelers offers IntelliDrive, IntelliDrive 365, Premier New Car Replacement and Responsible Driver Plan options. Amica offers YourPlan tiers, StreetSmart, New Car Replacement, Better Car Replacement, Quality Parts Guarantee and Signature-level Accident Forgiveness.
Does Travelers offer accident forgiveness?
Yes. Travelers offers Accident Forgiveness as an optional feature for eligible customers. The company states that one accident can be forgiven over a specified period, subject to eligibility and state availability.
Does Amica offer accident forgiveness?
Yes. Amica’s Auto Accident Forgiveness is included with Signature auto policies. The first qualifying accident may be forgiven when applicable conditions are met.
Does Travelers have a safe-driving program?
Yes. Travelers offers IntelliDrive and IntelliDrive 365. The programs use smartphone-based telematics and are available only in participating states.
Does Amica have a safe-driving program?
Yes. StreetSmart by Amica measures selected driving behaviors and can provide eligible customers with premium discounts and rewards.
Does Travelers offer new car replacement?
Yes. Travelers Premier New Car Replacement can replace a qualifying totaled vehicle with a brand-new vehicle of the same make and model during the first five years of ownership, subject to the coverage conditions.
Does Amica offer new car replacement?
Yes. Amica lists New Car Replacement as an included feature within its YourPlan auto coverage structure, subject to policy and state terms.
Does Amica offer Better Car Replacement?
Yes. Amica’s Better Car Replacement coverage can base a covered total loss settlement on the value of a vehicle one model year newer, subject to the applicable terms.
Can Travelers and Amica prices be compared directly?
Yes, but the quotes should be based on the same driver information, vehicle, liability limits, deductibles and optional coverages. The final premium can differ because insurers use different rating factors and underwriting rules.
Explore Travelers and Amica
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“` “`Compare Coverage, Not Just the Price
“`A meaningful auto insurance comparison should consider coverage limits, deductibles, vehicle protection, accident forgiveness, telematics, roadside assistance, repair benefits and the actual premium quoted for your specific situation.
Travelers Insurance Amica Insurance “`