American Access Casualty Company vs. Travelers: Which Company is the Best Fit for You?

Quick Facts

• In general, Travelers offers significantly more affordable premiums than American Access Casualty Company
• American Access Casualty Company has less expensive rates for residents of suburban areas
• Travelers may help you save more money -- they offer more discounts than American Access Casualty Company

American Access Casualty Company or Travelers: Which Company has the Cheapest Car Insurance?

Are you in the market for a new insurance policy? You've probably seen commercials and billboards from companies offering hefty savings, but exactly how much money can you save by switching?

You've maybe even narrowed it down to American Access Casualty Company or Travelers as your top options, but between the two, which carrier has cheaper prices for car insurance?

Looking at the national average rates for both carriers, Travelers is quite a bit cheaper than American Access Casualty Company, with rates averaging $167 a month compared to $279 with American Access Casualty Company.

Even so, that doesn't necessarily mean Travelers will be the less expensive option for each driver. Auto insurance companies vary their premiums depending on things like how clean your driving record is, how old you are, how good your credit score is, where you live, and all sorts of other factors, so rates will change quite a bit from person to person.

Wanting to know if American Access Casualty Company or Travelers is really the right carrier for you? Keep on reading to see how average premiums can change based on all of the factors we've mentioned above.

American Access Casualty Company vs. Travelers: Average Car Insurance Rates by State

American Access Casualty Company and Travelers only compete against each other in Nevada, where Travelers offers the cheaper average prices. Travelers drivers tend to pay about $100 per month less on average compared to drivers who use American Access Casualty Company for their car insurance.

But there's more to insurance than just where you call home. As we mentioned above, there's a lot of things that go into how car insurance carriers determine your premiums. Keep reading to find out more.

Which is the Best Company For Young Drivers?

You might already know that teen drivers normally pay a lot more for auto insurance than any other group of drivers out there on the road. It's because teen drivers are statistically much more likely to get into an accident that results in a car insurance claim, making them much riskier to insure.

That being said, that doesn't mean that teen drivers have to just accept sky-high insurance prices. Just look at the table above -- where 18-year-old drivers who have Travelers for their auto insurance pay almost 50% less than those who use American Access Casualty Company.

However, with both companies, you'll see your rates decrease significantly by the time drivers turn 25. For example, average prices for American Access Casualty Company policyholders reduce around $500 and Travelers's premiums lower over $200 over that time.

Which is the Best Company for Retired Drivers?

Drivers around retirement age generally enjoy some of the lowest car insurance rates you can find. After all, they've likely been driving for quite some time, which usually reduces their chances of collisions and other infractions that can raise premiums.

So, which company offers the best rates to retired drivers? Travelers gets the edge, with prices for drivers 65 and older $64 more affordable than the national average for American Access Casualty Company.

Which is the Best Company for Married Drivers?

Single drivers tend to get offered slightly more expensive insurance rates than married couples. This usually boils down to married policyholders having more than one vehicle on their policy -- something several car insurance carriers will reward with discounts.

For those who are single, the difference in average premiums between these two companies is significant, with Travelers prices coming in at about half of American Access Casualty Company's. The advantage for married drivers with Travelers is also obvious, where drivers save around $60 a month.

American Access Casualty Company or Travelers: Average Rates by Gender

Women typically to pay less for insurance than men. This is because men are statistically more likely than women to get into accidents and get tickets, which leads to increased risk for insurers and, therefore, higher premiums.

With American Access Casualty Company, women usually pay nearly 10% per month less than men, and about 6% less with Travelers.

Looking at the data for each carrier specifically, Travelers comes out as the most affordable option for both genders. On average, male drivers save about $121 a month and women save around $104 with Travelers compared to the average American Access Casualty Company policyholder.

American Access Casualty Company vs. Travelers: Compare State Minimum vs. Full Coverage Rates

*State minimum value indicates liability-only policies at each state's minimum bodily injury and property damage (BI/PD) limits

**Full coverage indicates state minimum BI/PD limits with collision and comprehensive coverages added to policy.

Auto insurance can be a complicated subject for most people. Everyone needs insurance, but there are so many different coverages and terms that it can be hard to find the right policy for you.

The two most common policies that drivers look at fall into two categories -- liability coverage (which covers the other party's property damage and injuries if you cause a collision) and full coverage (which generally refers to having collision and comprehensive coverages in addition to liability).

Looking specifically at state minimum limits for liability insurance, Travelers has the significant edge, with average monthly rates coming in at $108. If you want a full coverage policy with the same state minimum limits, Travelers again has the edge, with policies averaging about $225 per month to American Access Casualty Company's $359.

Is American Access Casualty Company or Travelers Better for Drivers with Spotty Records?

It's no secret -- drivers with good records end up getting the best deals on their car insurance. But that's not to say you can't save money if you don't have the best driving record, either.

Speeding tickets and at-fault accidents will most likely raise your prices, but is American Access Casualty Company or Travelers cheaper for drivers with spotty records?

Which Company is Best for Drivers with Speeding Tickets?

Policyholders who use American Access Casualty Company for their auto insurance can typically expect their monthly bill to go up around 9% after getting a speeding ticket. Travelers policyholders can expect a bit more drastic of an increase of about 20%.

But Travelers has more affordable rates for drivers in both categories, offering prices that are 46% and 38% cheaper, respectively, compared to American Access Casualty Company.

Which Company is Best for Drivers After an Accident?

Both carriers will increase premiums pretty significantly if you get into an at-fault collision with American Access Casualty Company increasing by around 29%. Travelers has a less extreme raise, but you can still expect to pay more than 25% more than you were prior to your first accident.

At the end of the day, Travelers offers the lowest prices for drivers with an at-fault collision on their records, with average rates coming in at $173 compared to American Access Casualty Company's $332.

Which Company is Best for Drivers with a DUI?

If you get a DUI charge on your record, it's probably going to cost you more than a simple ticket or even an accident. Travelers drivers usually see a 38% increase in their insurance premiums after a DUI charge, while American Access Casualty Company will normally climb prices by about 18%.

How does Credit Score Impact American Access Casualty Company and Travelers Rates?

Did you know many auto insurance companies take your credit score into account when determining premiums? This isn't true for everyone (for example, Massachusetts and California are two states that ban the practice entirely), but it will come into play for many drivers.

The reasoning car insurance carriers use is that policyholders with good credit will be more likely to pay their bills on time; so they'll reward them with cheaper rates, while those with poor credit will usually be forced to pay more.

So, which company offers the best prices for drivers with good, average, or poor credit?

Which Company is Best for Drivers with Good Credit?

Which Company is Best for Drivers with Bad Credit?

Is American Access Casualty Company or Travelers Better for Drivers who Work from Home or Have Short Commutes?

The amount of time you spend behind the wheel of your car plays a big role in your monthly insurance cost. That's because the more milage you put on your car, the more likely you are to be in a collision and file an insurance claim.

As you can see in the table above, annual mileage doesn't have much of an impact on how much American Access Casualty Company charges. However, there's a small difference in monthly premiums for Travelers, with policyholders who drive the least paying around $5 less every month compared to those who drive 12,000 miles each year. Still, for drivers in both categories, Travelers is the less expensive carrier.

American Access Casualty Company or Travelers: Compare Rates for Urban, Suburban, and Rural Drivers

We've already mentioned how your home state can play a role in how much you pay for auto insurance, but the type of area you live in can have a substantial impact as well. Normally, those who live in urban areas will pay more than policyholders in rural areas due to the number of vehicles that are on the roads where they live.

Travelers generally comes out as the cheaper option for drivers in rural and urban areas, while American Access Casualty Company wins in suburban areas.

Those in rural areas can expect to save about 52% with Travelers compared to American Access Casualty Company. People who live in suburban areas pay around 9% less with American Access Casualty Company compared to Travelers. For drivers in urban ZIP codes, Travelers's average rates are about 50% less than American Access Casualty Company.

American Access Casualty Company vs. Travelers Discounts

No matter why you might be in the market for a new car insurance policy, you're always going to want to save as much money as you can. That's where insurance discounts comes into play.

But with what seems like a million different discounts out there, it can be difficult to nail down the carrier that has the most discounts for your unique driver profile and to find all the discounts you qualify for.

Luckily, we did the hard work for you and broke down all of the different discounts offered by both American Access Casualty Company and Travelers so that you can see which company offers the most discounts and see which ones you might be able to take advantage of.

Travelers knocks American Access Casualty Company out of the park when it comes to the sheer number of discounts available, offering 19 more discounts than American Access Casualty Company.

There are a couple discounts both companies offer, but Travelers also offers discounts for ABS, advance quote, alternative fuel, and more.

On the other hand, American Access Casualty Company has a few proprietary discounts of their own like prior insurance discounts and renewal discounts.

Final Thoughts: Is American Access Casualty Company or Travelers Best for You?

You've seen the role certain variables have on your car insurance and the different discounts carriers offer. That's all well and good, but at the end of the day, which insurance company is the right one for you and your specific driver profile?

Travelers might be best for you if....

• You have a speeding ticket on your driving record.
• You care about discounts (Travelers offers the most).
• You're of retirement age and want to take advantage of lower premiums.

American Access Casualty Company might be best for you if...

• You live in an suburban area.

Hopefully, this guide helps you get a better idea of the difference between American Access Casualty Company and Travelers. We also hope we've given you the information you need to make the best decision when it comes to your auto insurance.

At the end of the day, the best way to make sure you're getting the best deal on your car insurance policy is to compare quotes from multiple companies, not just American Access Casualty Company and Travelers. Luckily, sites like Compare.com make it easy for you to do just that. Simply enter your ZIP code below and get free quotes from dozens of the top auto insurance carriers in your area, all in just a few minutes.

American Access Casualty Company vs. Travelers FAQs

Is American Access Casualty Company or Travelers cheaper?

Travelers is the more affordable of the two companies when looking at national average rates, with policies averaging $167 a month with Travelers and $279 for American Access Casualty Company. However, that doesn't mean Travelers will be the most affordable carrier for every driver, since there are lots of different factors (things like gender, age, driving record, etc.) that play a role in how much you pay.

Who is better, American Access Casualty Company or Travelers?

Unfortunately, the only answer we can give you is "it depends.". One company is not "better" for each policyholder -- it all depends on what your unique insurance profile looks like.

Why do American Access Casualty Company and Travelers offer me different rates?

Auto insurance carriers use quite a few different variables when calculating the premiums they charge. Factors like age, where your home is, gender, your driving record, and sometimes even things like your credit score can all come into play. Both American Access Casualty Company and Travelers calculate prices using different formulas, so it's likely they'll offer different premiums. The best way to determine which carrier is the cheapest for you is by comparing personalized quotes from many different companies.

How do I know if American Access Casualty Company or Travelers is right for me?

The only way to find the insurance company that's right for you is by getting quotes from a handful of carriers and finding the one best suited for your individual budget. Luckily, Compare.com does all the hard work for you. Just enter your ZIP code and you'll get quotes from dozens of your local top car insurance companies for free. With those, you can guarantee you're getting the most affordable rate. And maybe you'll find that the best carrier for you isn't American Access Casualty Company or Travelers at all, but another you hadn't even thought of!

Methodology

All of the data referenced in this article has been gathered in collaboration with Quadrant Information Services. We analyzed more than 2.5 million rows of carrier-reported data to calculate the average rates referenced above. All rates are based on an insurance profile of a single-vehicle policy for a driver that owns a 2016 Honda Accord. For more information on how we calculate rates, please reference our data methodology.