Does Aarp Driver Safety Really Reduce Auto Insurance Costs?

Car insurance rates have skyrocketed, with the cost of insuring a car in the US jumping by 20.6% since last year. However, there are ways to lower your insurance costs. One way is to take a driver safety course, such as the AARP Smart Driver™ course, which is offered both in-person and online. Many states offer price breaks or discounts on auto insurance to motorists who complete this course, and in some states, these discounts are mandatory. AARP members can save over 20% on the classroom course, and all participants may be eligible for a multi-year discount on their auto insurance.

AARP members can save on their car insurance by bundling it with their homeowners insurance policy from The Hartford

AARP members who switch to The Hartford could save an average of $577 on their car insurance. The Hartford also offers a savings of up to 10% for customers who have an AARP membership.

If you bundle your home and auto insurance policies, you can save money on both. The Hartford offers a discount of up to 5% on auto insurance and up to 20% on condo, renters, or home insurance. On average, customers save $813 or up to 12% on their car insurance by bundling.

In addition to the bundle discount, there are other ways to save on insurance with The Hartford. You can receive additional discounts on your homeowners and car insurance if you:

• Pay your bill in full instead of making monthly payments
• Drive a hybrid or electric vehicle
• Complete an approved defensive driving course
• Have both a home burglar system and a sprinkler system

To learn more about these savings and benefits, you can call The Hartford or get a car insurance quote online.

The AARP Smart Driver course can help lower insurance costs in the long run by making you a better driver

The AARP Smart Driver course is available online or in a classroom setting. The online course takes four to eight hours to complete, depending on the state, and costs $21.95 to enroll. AARP members save over 20% on the classroom course.

Upon completion of the course, you will be eligible for a multi-year discount on your auto insurance. The discount can be up to 15%. In many states, the discounts are mandatory, and insurance companies must offer them to people who complete a classroom-based, state-approved driver-improvement course.

Even if you live in a state where auto insurance premium discounts are not mandated, several insurance companies voluntarily provide premium discounts to participants who complete the AARP Smart Driver course. These companies recognize that drivers who have completed a driver safety course are considered lower risk.

In addition to the potential insurance savings, the AARP Smart Driver course can help you improve your driving skills and stay safe on the road. The course covers a range of topics, including how to avoid distracted driving, car crash safety tips, and the proper way to wear your seatbelt.

By taking the AARP Smart Driver course, you can not only save money on your insurance but also become a safer and more confident driver.

The AARP Auto Insurance Program from The Hartford offers benefits such as new car replacement and RecoverCare

The AARP Auto Insurance Program from The Hartford has been offering exclusive benefits to AARP members since 1984. The program provides car insurance exclusively for AARP members aged 50 and above.

The program offers a range of benefits, including:

• New car replacement: If you total your new car, your policy will help pay to replace it with a new vehicle of the same make, model, and equipment, with no deduction for depreciation.
• RecoverCare: This benefit provides up to $2,500 to pay for transportation, cooking, cleaning, and other assistance you may need if you're injured in a car accident.
• Accident Forgiveness: If all drivers on the policy have a clean driving record for five consecutive years, you'll qualify for accident forgiveness.
• Disappearing Deductible: Your collision deductible can be reduced over time if you maintain a clean driving record in most states.
• Labor and Towing Insurance: This benefit helps cover emergency roadside assistance and towing services, but it requires comprehensive coverage from The Hartford.

The AARP Auto Insurance Program from The Hartford also offers additional coverages, such as uninsured/underinsured motorist coverage and comprehensive insurance, to provide peace of mind while driving.

The AARP Driver Safety Program offers additional discounts to those who participate

The AARP Smart Driver Course is an example of a driver safety course that can help lower your auto insurance rates. The course teaches proven driving techniques to help keep you and your loved ones safe on the road. It can be taken online or in a classroom, and participants may be eligible for a multi-year discount on their auto insurance. The discount can be up to 15% and is offered in 23 states and the District of Columbia. In some states, the discount is mandatory for those who complete a state-approved driver-improvement course, whether it is taken online or in a classroom.

In addition to the AARP Smart Driver Course, there are other ways to save on car insurance. For example, reviewing the discount menu offered by insurance companies, improving your credit score, and increasing your deductible can all help lower your insurance rates. Shopping around and comparing rates between different insurance companies can also lead to significant savings.

Discounts may vary based on the participant's age, driving record, and other factors

The AARP Smart Driver Course can help you save on your auto insurance. However, the discount you receive may vary based on factors such as your age, driving record, and location.

Age is a significant factor in determining insurance rates, with younger drivers often paying higher premiums than older drivers. While taking the AARP Smart Driver Course can help older adults improve their driving skills and potentially lower their insurance costs, it's important to note that insurance rates may start to increase slightly for drivers in their 70s due to an enhanced risk of accidents.

Your driving record is another critical factor. A clean driving record can help you qualify for a safe driver discount and lower your insurance costs. On the other hand, if you have violations or accidents on your record, your insurance rates may be higher.

Additionally, your location can impact your insurance premium. If you live and drive in a more populated area, you may be at a higher risk of accidents, which can result in higher insurance rates.

It's worth noting that insurance companies may have different criteria for determining discounts, so it's always a good idea to review your insurance policy and check with your insurance provider to understand how these factors may affect your specific situation.

Frequently asked questions