Travelers IntelliDrive Review: Pros, Cons, & Alternatives
Travelers IntelliDrive is a usage-based car insurance program that uses telematics technology to track driving habits and determine personalized premiums. It keeps track of speed, acceleration, braking, mileage, and the time of day to correctly gauge driving dangers. Potential discounts are earned through safe driving practices, and drivers' skills are improved by real-time feedback.
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Laura Walker
Former Licensed Agent
Laura Walker graduated college with a BS in Criminal Justice with a minor in Political Science. She married her husband and began working in the family insurance business in 2005. She became a licensed agent and wrote P&C business focusing on personal lines insurance for 10 years. Laura serviced existing business and wrote new business. She now uses her insurance background to help educate...
Former Licensed Agent
UPDATED: May 22, 2023
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- Using Travelers IntelliDrive can save you up to 30 percent.
- Your rates may go up if the data shows you are a risky driver.
- IntelliDrive uses only an app, so no device is needed for your car.
Welcome to our comprehensive article on Travelers IntelliDrive, the innovative usage-based car insurance program. In this article, we will delve into the features, pros, and cons, providing you with a detailed review. This article explores how Travelers IntelliDrive utilizes telematics to track driving patterns and calculate personalized premiums based on factors such as speed, acceleration, braking, mileage, and time of day.
Additionally, we will discuss the benefits of safe driving behaviors, real-time feedback, and how IntelliDrive can help lower insurance costs while enhancing road safety. To find the best insurance provider for your needs, simply enter your zip code below and compare rates from top companies nearby. Take the first step towards a more tailored and cost-effective car insurance experience.
How does Travelers IntelliDrive work?
Telematics has been in use for nearly a decade, and the technology is getting more and more precise. Travelers IntelliDrive runs on your smartphone for 90 days and then your discount is applied for the rest of your policy.
All policyholders are eligible. Use your Travelers insurance login to find out if IntelliDrive is available in your state.
Travelers IntelliDrive monitors your driving habits that are most important to be safe on the roads.
- It makes sure you are following the speed limits
- It takes notes on when you drive, day or night
- It records your rate of acceleration and braking
- It observes how often and for how long you use your smartphone
You get a score and turn-by-turn report for each trip. If you use your phone while your vehicle is moving, your score will go down.
This may sound unfair, but Travelers is doing their part to prevent distracted driving.
In fact, the Centers for Disease Control and Prevention (CDC) estimates that more than 2,800 individuals were killed in 2018 and almost 400,000 were injured by distracted driving.
Driving safely not only saves lives but also saves you money. Even teens can use Intellidrive, and parents can see their reports.
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Is Travelers IntelliDrive worth it?
It’s great that technology has advanced so much that we can help save lives and get rewarded for safe driving. However, there are downsides to Travelers IntelliDrive.
The app is always running in the background, so your phone battery will drain quickly or your data usage will increase.
But if you get an unlimited data plan and keep a charger in your car, you could save money on your car insurance rates and become more aware of how safe of a driver you really are.
Who should use Travelers IntelliDrive?
Usage-based car insurance isn’t right for everyone.
It’s the perfect program for those who work from home, have a very short commute to work, and do most of their driving during the day.
However, if you work third shift, have a long commute, or live in a busy city with lots of traffic, IntelliDrive may not be best for you.
Travelers IntelliDrive can decrease (or increase) your car insurance rates, so to find the most affordable car insurance, regardless of your choice whether or not to take advantage of usage-based car insurance, enter your ZIP code now to compare car insurance quotes from multiple companies.
Frequently Asked Questions
What is Travelers IntelliDrive?
Travelers IntelliDrive is an app-based usage-based insurance program offered by Travelers Insurance. It tracks your driving behavior using your smartphone’s GPS and other sensors to calculate your premium based on your driving habits.
What are the pros of using Travelers IntelliDrive?
There are several potential benefits of using Travelers IntelliDrive, including the possibility of lower premiums if you are a safe driver, the ability to track your driving habits and improve your driving skills, and the convenience of managing your policy through the app.
What are the cons of using Travelers IntelliDrive?
There are some potential downsides to using Travelers IntelliDrive, including the possibility of higher premiums if you are deemed a risky driver, concerns about privacy and data security, and limitations on the types of discounts you can receive based on your driving behavior.
How does Travelers IntelliDrive work?
Travelers IntelliDrive uses an app that tracks your driving behavior, including factors like speed, acceleration, and braking, as well as the time of day and location of your trips. Your driving data is used to calculate your premium, with safe drivers potentially receiving discounts.
Are there any alternatives to Travelers IntelliDrive?
Yes, there are several other usage-based insurance programs available from other insurance companies, including Progressive Snapshot, Allstate Drivewise, and State Farm Drive Safe & Save.
Is Travelers IntelliDrive right for me?
Whether or not Travelers IntelliDrive is the right choice for you will depend on your individual driving habits and insurance needs. If you are a safe driver who is looking for a way to save money on your car insurance, it may be worth considering. However, if you have concerns about privacy or data security, or if you are a high-risk driver, you may want to explore other options.
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