I have been with The Travelers Group/St Paul for almost 10 years. We have our homeowners policy through them paid via escrow with our mortgage, an auto policy and an umbrella liability policy. Since we have all these policies with them we get a discount on each one. Our homeowners policy gets paid in full but our auto gets paid on a monthly installments but since we allow them to pull from our checking account it doesn't cost us a payment fee therefore we save more money. I check every two years or so to see if we can get better rates and last year when I checked they were still the cheapest. I compared rates from Progressive, Erie and State Farm and Travelers was still significantly cheapers. Also about 5 years ago my husband had an accident where he was hit and the car was destroyed. Travelers claim adjuster showed up the day after the accident, less than 24 hours after the accident, and we had a check in hand in under 10 days and then they went after the other party. When I thought our home was insured for too much, economy and all, they allowed me to lower it to what I wanted it to and then sent out an appraiser who appraised it for close to what I asked it to be lowered to and I didn't have to pay anything for the appraisal and they even sent me a copy of it. cheap prices, fast claims, what else can you ask for...wait I know...access to your policies online-yep I have that too through them.
Owings Mills, MD