Auto Insurance: Aarp's Benefits And Coverage

AARP auto insurance is provided through The Hartford, a company that has been offering auto insurance to AARP members over the age of 50 since 1984. AARP members receive discounted car insurance through The Hartford, with an average cost of $1,332 per 12-month policy, or approximately $111 per month. Members can also save up to 10% on their premium and receive additional discounts for requesting a quote online or bundling auto and home policies.

Discounts and savings for AARP members

AARP members can enjoy a range of discounts and savings on auto insurance. The AARP Auto Insurance Program from The Hartford has been offering exclusive benefits and savings to AARP members since 1984.

Discounts and Savings

AARP members can save up to 10% on their auto insurance policy simply by being a member. Members who switch to The Hartford can save an average of $577 on their car insurance.

Defensive Driver Course

The Hartford offers discounts to safe drivers who have completed an approved defensive driving course. Members can enjoy discounts on their car insurance for the next three years.

TrueLane Program

The TrueLane Program by The Hartford offers a 5% discount just for signing up. Members can save up to 12% on their premium and earn a renewal discount of up to 25% by exhibiting safe driving habits.

Bundling Home and Auto Insurance

AARP members can save over $600 when they bundle their homeowners and auto insurance policies with The Hartford. Members can also earn discounts of up to 20% by bundling their home and auto coverage.

Other Discounts

AARP members can also receive discounts for requesting a quote online and paying their bill in full instead of making monthly payments.

Additional Benefits

The Hartford also provides added benefits such as Accident Forgiveness and Disappearing Deductible, as well as highly-rated claims services.

To learn more about the discounts and savings available to AARP members, visit the AARP website or contact The Hartford.

AARP's roadside assistance programs

AARP has two roadside assistance programs run through two insurance companies. The first is a comprehensive roadside assistance package. The second is through The Hartford, which is much less comprehensive.

The Hartford's roadside assistance program provides 24/7 coverage if you're stranded on the side of the road. If you have comprehensive coverage, you can add this policy feature. If you’re stranded and need assistance, simply call 1-800-322-7789 and AARP will assist.

AARP also offers towing insurance coverage. This coverage will tow your vehicle to the nearest repair shop if it is inoperable. This coverage does not require a collision or accident to have occurred, but you must have comprehensive coverage to utilize this feature.

AARP members can save up to 20% on annual membership fees for Allstate Roadside plans, including Roadside Assist and Roadside Elite. Upon enrollment, you’ll have access to assistance for towing, jump-starts, tire changes, lockout assistance, fuel delivery, and more. Allstate Roadside plan benefits can be used 24/7 in any car you drive, including rented and borrowed ones.

The Hartford's customer service

AARP auto insurance is provided through The Hartford, which has been offering exclusive insurance to AARP members since 1984. The Hartford's customer service is rated as excellent by J.D. Power, and the company has a reputation for integrity and trust.

The Hartford also offers a customer service centre called "My Account", which is an online platform that allows customers to manage their policies and access important insurance documents on the go or from home. This platform provides 24/7 access to billing information, payments, policy documents, and more. Customers can also request certificates of insurance and auto ID cards online.

The Hartford's claims process is designed to be fast and easy, with representatives available 24/7 to assist. The company receives high ratings from customers for their claims experience.

Additionally, The Hartford offers a TrueLane telematics program that uses driving habits to price car insurance premiums. Customers can save up to 5% just by signing up and can earn further discounts by exhibiting safe driving behaviours.

The Hartford also provides roadside assistance through its AARP auto insurance program. This includes 24/7 coverage for events like breakdowns or accidents, as well as towing services to the nearest repair shop if a vehicle is inoperable.

Overall, The Hartford's customer service is highly regarded and aims to provide a seamless and stress-free experience for its customers.

Florida car insurance laws

Florida has specific laws regarding car insurance that residents must follow. Here is a detailed overview of the car insurance laws in Florida:

Florida Car Insurance Requirements

Before registering and operating a vehicle in Florida, drivers must show proof of insurance. Florida law requires drivers to have Personal Injury Protection (PIP) and Property Damage Liability (PDL) auto insurance. The minimum coverage limits are as follows:

• Property damage liability coverage: $10,000 per accident
• Personal injury protection (PIP) coverage: $10,000 per person, covering 80% of all necessary and reasonable medical expenses up to $10,000 resulting from a covered injury, regardless of who caused the crash

Florida has several safe driving laws in place to protect its residents. Here are some key laws to be aware of:

• Seat Belt Laws: It is mandatory for both front seat passengers and all passengers under 18 to wear a seat belt while driving in Florida.
• Distracted Driving Laws: Distracted driving, such as texting while driving, is banned for all drivers in Florida.
• Teen Driver Laws: Graduated licensing laws have been implemented in Florida to ensure that teenage drivers gain sufficient experience and practice before driving independently. These laws include restrictions on nighttime driving and teen passengers.
• Financial Responsibility Law: Based on your driving record, you may be required to carry full liability auto insurance. For example, if you have caused an accident or have accumulated excessive points on your license, you may need full coverage.
• No-Fault Law: As a no-fault state, Florida requires drivers to have personal injury protection (PIP) coverage. In the event of an accident, each driver files a claim with their own insurance company, regardless of who is at fault. However, this does not prevent drivers from being sued for injury or damages.

Additional Car Insurance Coverage Options

While the above-mentioned coverages are mandatory, Florida drivers may also want to consider additional optional coverages to enhance their protection:

• Bodily Injury Liability: This coverage pays for injuries or death to others if you are at fault in an accident.
• Collision Coverage: This covers repairs to your vehicle if it collides with another vehicle or object, regardless of who is at fault.
• Comprehensive Coverage: This protects your vehicle from non-collision damages, such as fire, theft, vandalism, or natural disasters.
• Uninsured/Underinsured Motorist Coverage: This coverage protects you if you are hit by a driver who does not have insurance or does not have sufficient insurance to cover the damages.
• Medical Payments Coverage: This coverage pays for medical expenses beyond those covered by PIP if you or your passengers are injured in an accident.
• Roadside Assistance: This coverage provides assistance if your vehicle breaks down, offering perks such as fixing flat tires, jump-starting batteries, and towing services.

New York car insurance laws

In New York, car insurance is required by law. To register a vehicle in the state, you must have New York State-issued automobile liability insurance coverage. If you do not maintain coverage, the DMV can suspend your vehicle registration and your driver's license.

• $25,000 for bodily injury per person and $50,000 death liability per person
• $50,000 for bodily injury per accident and $100,000 death liability per accident
• $10,0000 for property damage per accident
• $50,000 for personal injury protection (PIP)
• $25,000 for uninsured motorist bodily injury per person
• $50,000 for uninsured motorist bodily injury per accident

These requirements fall under the categories of liability insurance, personal injury protection, and uninsured motorist coverage. Liability insurance covers damage and injuries sustained by another driver and their passengers. Personal injury protection covers medical expenses, lost wages, and funeral expenses for you and your passengers, regardless of who is at fault. Uninsured motorist coverage pays for injury and lost wages that you or your passengers may suffer if you are hit by an uninsured driver who is at fault.

It is important to note that these are the minimum requirements, and you may purchase additional coverage for increased protection. Collision coverage, comprehensive coverage, medical payments coverage, gap coverage, new car replacement coverage, roadside assistance coverage, and rideshare coverage are all optional coverage types that may benefit you.

The consequences of driving without insurance in New York can be serious. If you are caught driving without insurance, your driver's license and vehicle registration may be suspended, and you could face fines of up to $1,500, plus a $750 civil penalty to restore your driving privileges. If you are in an accident while driving without insurance, the penalties can be even more severe.

Frequently asked questions