Travelers doesn’t have a first responder discount, so being a police officer, firefighter or EMT won’t change your rate on its own. You still have two ways to pay less: Travelers’ regular car insurance discounts, which any driver can get, and cash back on your premium when you pay with a Fluz virtual card.
Travelers sells car, home, renters, condo, landlord, boat, flood, motorcycle, travel, pet, wedding and umbrella insurance, along with business insurance. You can buy a policy from Travelers directly or through a local independent agent, and in some states, including California, some products are only sold through an agent.
How To Get The Travelers First Responder Discount
There isn’t one. The one cash back route is a Fluz virtual card, which is a payment card and not a Travelers offer. It isn’t a first responder discount, and the rate moves, so read the current figure in the Fluz app before you rely on it.
- Tap the button below and sign up for Fluz.
- Verify your identity in the app and link a bank account to fund your purchases.
- Create a virtual card for Travelers Insurance. You can set a limit, and you’re only charged for what you spend.
- Pay your Travelers premium with that card.
Ask If Your Employer Or Union Takes Part
This is the closest Travelers comes to a first responder rate. Its Affinity Auto & Home Program gives special rates and member or employee discounts to people whose employer, association, credit union or bank partners with Travelers. Travelers doesn’t publish a list of first responder groups in the program, so the way to find out is to ask. Call Travelers at 855.914.5530 and ask whether your department, union or credit union participates. Some participating employers also let you pay your premium through payroll deduction.
Travelers Car Insurance Discounts Any Driver Can Get
Ask your agent to check each of these when you quote:
- Multi-policy: buy your home or condo insurance from Travelers too.
- Multicar: two or more cars from your household on one policy.
- Home ownership: you own a home or condo, even if it’s insured somewhere else.
- Safe driver: no accidents, violations or major comprehensive claims in your household for the past three to five years.
- Continuous insurance: you’ve kept your coverage with Travelers with no gaps.
- Hybrid or electric car: you own or lease one.
- New car: your car is less than three years old.
- How you pay: paying in full, paying by electronic funds transfer or payroll deduction, or always paying on time.
- Early quote: you’re new to Travelers and get a quote before your current policy runs out.
- Students: good students with a B average or better, a student away at school at least 100 miles who won’t be driving your cars, and young drivers who finish an approved driver education course.
Not every discount is offered in every state. California doesn’t have the early quote, EFT, new car, safe driver, continuous insurance, paid in full, good payer, home ownership or multicar discounts, and New York doesn’t have the early quote, safe driver or good payer discounts. Travelers also runs IntelliDrive, which tracks how you drive and rewards safer driving, though riskier habits can raise your premium.
Card Or Bank Transfer?
Travelers gives a discount for paying by electronic funds transfer. If you pay with the Fluz card instead, you could lose that discount in exchange for cash back on each payment. Work out which is worth more on your premium before you change how you pay.
Q&A
Q: Does Travelers give police officers or firefighters a discount?
A: No. None of its car insurance discounts are based on your job. Your best shot is asking whether your employer or union is in the Travelers Affinity program.
Q: Is there a military discount at Travelers?
A: Not on its car insurance discount list. Ask your agent before you count on one.
Q: Do retired first responders get anything?
A: Not for the job. A retiree can still ask about the safe driver, home ownership and multi-policy discounts.
Q: Is the Fluz cash back a first responder discount?
A: No. It’s a rebate from Fluz on what you pay with the card, and anyone with a Fluz account can get it.
Q: Does the Fluz card cost anything?
A: No. There’s no fee, credit check or minimum spend.
More Information:
If you want an insurer that does have a first responder discount, start with our list of first responder car insurance discounts. Farmers Insurance and Liberty Mutual each have their own post, and Nationwide is another big insurer without one. You’ll find more stores like this in our no discount list.