If you’re an AARP member, you’re in for a treat when it comes to car insurance rates and benefits from The Hartford. The AARP Auto Insurance Program from The Hartford has been providing exclusive car insurance pricing and benefits to nearly 40 million AARP members since 1984.
Drive with confidence, knowing you’re protected on the road. The AARP Auto Insurance Program from The Hartford offers perks such as new car replacement§§ and a 24/7 car insurance claims hotline. Gain peace of mind while behind the wheel, knowing that The Hartford has your back.
For more details on AARP Auto Insurance quotes from The Hartford, reach out to one of our representatives at 888-413-8970.
Benefits of Obtaining AARP Auto Insurance From The Hartford
Car insurance is a crucial shield for you, your family, and your vehicles. Coverages can vary based on your specific policy. If you meet the AARP member age requirement and are an AARP member, The Hartford’s vehicle insurance can be your safeguard on the road.
The AARP Auto Insurance Program from The Hartford provides benefits to ensure drivers have the coverages they need, including:
- New Car Replacement: If your new car is totaled, The Hartford will replace it with a new vehicle of the same make, model, and equipment, with no deduction for depreciation.
- Recover Care: This coverage offers reimbursement for essential home services you can’t perform after a covered accident. It helps with the cost of house cleaning, lawn maintenance, snow removal, and food preparation. If you can’t get to work, this coverage can also assist in covering transportation costs.
- Lifetime Car Repair Assurance: The Hartford helps you find a trusted repair service. If you use one of the 1,600+ authorized repair shops in their network, they stand behind the quality of repairs for as long as you own or lease your vehicle.
For instance, in a car accident where your rear bumper needs repair, The Hartford’s claims team assists in finding a trusted repair shop, and they guarantee the repairs if done within their network.
For added protection, additional coverages include:
- Accident Forgiveness: Recognizing that everyone makes mistakes, The Hartford offers accident forgiveness as long as all drivers on your policy maintain a clean driving record for five straight years.
- Disappearing Deductible for Auto Insurance: Your collision deductible decreases over time with a clean driving record.
Apart from benefits and coverages, you’re eligible for discounts to save on your car insurance. AARP members can bundle car insurance with homeowners insurance to enjoy savings. Participating in the AARP Driver Safety Program or paying your bill in full can qualify you for additional discounts.
Everyone’s car insurance needs differ. The Hartford’s policies are customizable to suit your unique requirements. The goal is to prepare you for the unexpected, and their team is ready to assist and answer your questions to ensure you get the right coverage.
Step-by-Step Quotes for AARP Auto Insurance From The Hartford
Before obtaining a car insurance quote, it’s beneficial to delve into the various coverages available. This research will provide valuable insights into the specific policy features you may require.
When you’re ready to proceed, The Hartford allows you to conveniently purchase car insurance online. However, before obtaining your quote, ensure you have certain information and documents readily available, including:
- Your driver’s license
- Documentation from your current auto insurance (if applicable)
- Vehicle registration
Factors Influencing Your Insurance Premium:
Understanding the factors that affect your insurance premium is crucial when obtaining a quote. Numerous factors are involved, including:
Living and driving in densely populated areas may result in higher insurance premiums due to increased accident risks in busy traffic.
2. Coverage History:
Maintaining continuous coverage is vital. Insurance premiums may be affected if there was a lapse in your car insurance coverage.
3. Driving Frequency:
The likelihood of an accident increases with driving distance. Lengthy work commutes or frequent driving can impact your insurance policy costs.
4. Driving Record:
A clean driving record may qualify you for a safe driver discount, potentially reducing your car insurance costs.
5. Vehicle Type:
Your insurance rate is influenced by the kind of car you drive. Sports cars or high-maintenance vehicles may incur higher costs compared to SUVs.
6. Safety Rating:
A history of accidents or tickets can increase your insurance premium. Conversely, a clean record indicates safer driving and can result in lower premiums.
If you wish to speak with a representative from The Hartford, feel free to call 888-413-8970. The insurance specialists are available to address your queries and assist you in finding the right coverage.
Does My Car Qualify for The Hartford’s AARP Auto Insurance Program?
If your vehicle has a valid registration, it likely qualifies for the AARP Auto Insurance Program from The Hartford. Eligibility for the program requires you to be at least 50 years old and a registered AARP member. However, it’s essential to note that high-performance, low-production, and extremely high-value vehicles may not qualify in most cases.
Is The AARP Auto Insurance Program From The Hartford Reliable?
Indeed, AARP offers reliable car insurance. The claims team consistently receives high ratings and positive reviews from members. The Car Insurance Claims Hotline, available 24/7, ensures AARP members with an auto insurance policy can access assistance anytime, providing peace of mind during unexpected situations.
In the event of an accident, The Hartford is committed to guiding you through the claims process, addressing your concerns, and facilitating a seamless experience. The primary goal is to assist you in getting back on the road promptly.
When Should I Ask About the AARP Auto Insurance Program From The Hartford?
With nearly 40 million AARP members benefiting from The Hartford’s auto insurance, if you’re at least 50 years old and an AARP member, you too can enjoy competitive rates, extensive benefits, and comprehensive coverages through the AARP Auto Insurance Program from The Hartford.
Obtaining a car insurance quote online is a swift and straightforward process. If you prefer direct assistance, you can reach a representative at 888-413-8970. With the AARP Auto Insurance Program from The Hartford, rest assured that your back is covered in unforeseen circumstances. The ultimate aim is to safeguard you and swiftly restore you and your vehicle to the road.
AARP Car Insurance Overview
Introduction to AARP Car Insurance
AARP offers a comprehensive range of car insurance options, covering the essential types of coverage to meet the diverse needs of drivers. Understanding the various types of car insurance is crucial for making informed decisions about protecting yourself and your vehicle.
1. Liability Car Insurance
Liability insurance serves as a financial safeguard for both you and others in the event of an accident. It covers injuries and property damage caused by an accident where you are at fault. Additionally, if legal action is taken against you, liability insurance helps cover your defense costs, settlements, and judgments. While most states have minimum liability insurance requirements, AARP allows you the flexibility to purchase additional coverage beyond the mandated minimums.
2. Comprehensive Insurance
Comprehensive insurance provides coverage for damages to your vehicle that result from incidents other than collisions. This includes scenarios such as fires, floods, severe weather conditions, theft, vandalism, falling objects, and collisions with animals. In the unfortunate event that your vehicle is totaled, comprehensive insurance offers a payout equivalent to the actual cash value, minus the deductible.
3. Collision Insurance
Collision insurance steps in when your vehicle is damaged due to a collision with another object, such as another car or a building. Similar to comprehensive insurance, the maximum payout for collision coverage is the value of your car if it is declared totaled, minus the deductible. Often sold as a package, collision and comprehensive coverage are essential, especially if you have a lease or loan, as lenders typically require them.
4. Uninsured/Underinsured Motorist Insurance
Uninsured/underinsured motorist insurance provides protection in scenarios where you are involved in an accident with a driver lacking insurance or carrying insufficient coverage. This coverage extends to your medical bills and covers family members and passengers in your vehicle at the time of the accident. While mandatory in some states, it remains optional in others.
5. Personal Injury Protection (PIP)
Personal Injury Protection, commonly known as PIP insurance, is a requirement in no-fault states and optional in others. PIP covers your medical expenses regardless of which driver is deemed responsible for the accident. This ensures that you and your passengers receive necessary medical coverage after an accident.
6. Medical Payments Insurance
Medical Payments (MedPay) coverage reimburses medical expenses resulting from injuries sustained by you, a family member, or a passenger in your vehicle during a collision. Coverage includes expenses such as ambulance rides, emergency room care, hospitalization, surgery, X-rays, and rehabilitation, up to the policy limit.
Cost of AARP Car Insurance
The cost of AARP auto insurance is influenced by various factors, with geographical location playing a significant role. Forbes Advisor’s analysis indicates that AARP’s average auto insurance costs are higher than those of other insurers in Arizona. However, AARP’s rates are generally more competitive for California drivers aged 60, 70, and 80 when compared to rival insurers. Understanding these cost dynamics is crucial for potential policyholders when evaluating their insurance options with AARP.
AARP Car Insurance Rates vs. Competitors
|Female age 60
|Female age 70
|Female age 80
|Male age 60
|Male age 70
|Male age 80
Auto Insurance Complaints Against AARP
AARP’s auto insurance, administered through The Hartford, has been associated with a higher number of complaints to state insurance departments compared to the industry average, as reported by the National Association of Insurance Commissioners.
What Does AARP Car Insurance Cover?
AARP car insurance provides certain coverage options, including accident forgiveness, new car replacement, and gap insurance. However, it’s important to note that certain coverage types, such as pay-per-mile or rideshare insurance, are not available through AARP.
Does AARP Car Insurance Offer Accident Forgiveness?
Yes, AARP offers accident forgiveness as an endorsement. However, to qualify for this benefit, all drivers on the policy must maintain a clean driving record for at least five years. It’s essential to be aware that while accident forgiveness can waive your first at-fault accident, it may lead to increased insurance rates.
Does AARP Car Insurance Offer New Car Replacement?
AARP provides an option to add new car replacement insurance for an additional fee. In the event of a covered accident that results in your car being totaled, this coverage reimburses you for the cost of a new vehicle, similar to the make and model of your previous one. Notably, new car replacement coverage does not involve a deduction for depreciation, distinguishing it from standard collision or comprehensive insurance.
Does AARP Car Insurance Offer Gap Insurance?
Gap insurance is available through AARP/The Hartford as an endorsement. This coverage is particularly relevant if you lease or finance your vehicle. Gap insurance covers the difference between the outstanding balance of your car loan or lease and the value of your vehicle if it is totaled or stolen. Without gap insurance, you may be responsible for paying off the remaining loan balance if it exceeds your car’s value.
Does AARP Car Insurance Offer a Diminishing Deductible?
AARP car insurance customers can opt for a diminishing deductible, an optional benefit that can reduce your collision insurance deductible if you maintain a clean driving record. However, it’s important to note that this feature is not available in all states.
Does AARP Offer Usage-Based Insurance?
AARP/The Hartford offers a usage-based auto insurance program named TrueLane. This program utilizes a smartphone app to track driving behaviors, rewarding safe driving habits with discounted premiums. By enrolling, drivers can receive an automatic discount of up to 12%, with the possibility of an additional maximum discount of 25% upon policy renewal.
Does AARP Offer Pay-Per-Mile Insurance?
AARP does not provide pay-per-mile insurance policies. Such policies are designed for infrequent drivers, allowing them to pay based on the number of miles driven. For drivers with pay-per-mile insurance, a device or app tracks their mileage, and the insurance company charges accordingly.
Does AARP Offer Rideshare Insurance?
AARP does not offer specific rideshare insurance. If you engage in rideshare services with companies like Uber or Lyft, you may need to secure a car insurance policy with rideshare coverage from another provider. Personal car insurance policies may not offer adequate coverage during rideshare activities.
Does AARP Offer Roadside Assistance?
AARP auto insurance includes roadside assistance coverage as an option. The base plan, costing $60 for the first year with a 10% AARP member discount, provides two service calls a year for an individual or three for a couple. Services include battery charges, flat-tire fixes, fuel delivery, lockout assistance, and towing with a 10-mile limit.
AARP Auto Insurance Discounts
AARP offers a range of car insurance discounts, though availability may vary by state. Some notable discounts include:
- Defensive Driver Course Discount: AARP members completing an approved defensive driver course can receive a discount for three consecutive years.
- Hybrid/Electric Vehicle Discount: Owners of hybrid and electric vehicles may qualify for a special discount.
- Online Quote Discount: Obtaining an AARP car insurance quote online can result in a small premium discount when purchasing a policy.
- Pay in Full Discount: Qualify for a discount by paying the annual premium upfront and in full.
- Policy Bundling Discount: AARP members can save up to 5% on car insurance and up to 20% on home, renters, or condo insurance by bundling policies with The Hartford.
- Safe Driver Training Course Discount: Policyholders with a driver under 21 years old can receive a premium discount if they complete an approved safe driver training program.
- Safety Features Discount: Vehicles equipped with safety features, such as anti-lock brakes or multiple airbags, may qualify for a premium discount.
- TrueLane Program Discount: AARP members enrolling in the TrueLane usage-based, safe driver program can save up to 12% on their auto insurance upon signing up, with an additional discount of up to 25%