St. Paul Travelers Insurance Companies Inc. announced that they are giving a 10 percent discount on auto insurance to hybrid owners beginning in February. It is the first auto insurer to implement such a discount nationwide. "Call it 'The Gas Station Revelation,'" said Gary Toczydlowski, the Travelers executive launching the program. The idea came to him after he watched a hybrid zip in and out of a station while he was pumping gas into his SUV. Toczydlowski said he had found that drivers tend to use hybrids to commute between home and work and generally stay within speed limits, thereby reducing some of the risk associated with driving a motor vehicle. According to Travelers, hybrid owners it insures are typically married, age 41 to 60, with both genders represented equally.