Aarps Auto Insurance: Worth The Hype?

AARP auto insurance is provided by The Hartford Group, a company that has provided insurance to Americans since 1810. The AARP Auto Insurance Program from The Hartford has been offering special car insurance rates and coverages to AARP members since 1984.

AARP auto insurance is only available to members over the age of 50, and offers a range of standard and additional coverage options, including personal injury protection, uninsured motorist bodily injury, accident forgiveness, and disappearing deductibles.

The Hartford has received mixed reviews from customers. While some praise the easy application process and professional claims handling, others have criticised issues with communication and customer service.

Overall, AARP auto insurance from The Hartford is a solid option for older drivers, offering good coverage and below-average rates.

Discounts for AARP members

AARP members can enjoy a range of discounts and benefits with the AARP Auto Insurance Program from The Hartford. Here are some of the key discounts available:

Discount for AARP Members

AARP members can save up to 10% on their car insurance just for being a member. This discount is available to all members, regardless of age, driving history, or location.

Bundle Discount

AARP members can save up to 5% on their auto insurance and up to 20% on their home, renters, or condo insurance by bundling their policies with The Hartford. This discount is especially valuable for those who own multiple types of insurance policies.

Paid-in-Full Discount

Members who pay their car insurance bill in full, instead of in monthly installments, are eligible for additional discounts. This discount can help reduce the overall cost of insurance for those who can afford to pay upfront.

Online Quote Discount

AARP members can receive a discount just for getting their insurance quote online. This incentive encourages members to explore their options and get a quote through The Hartford's website.

Safe Driving Discount

The Hartford offers a telematics insurance program called TrueLane®, which can save policyholders up to 12% for participation and up to 25% on insurance renewal based on their driving habits. This program tracks factors such as speed, cornering, acceleration, braking, and phone distraction.

Safety Features Discount

The Hartford offers discounts for vehicles equipped with safety features such as anti-lock brakes, airbags, and anti-theft devices. This discount encourages members to prioritize safety and can help reduce the cost of insurance for those with safer vehicles.

Vehicle Fuel Type Discount

AARP members who own hybrid or electric vehicles are eligible for additional discounts. This discount promotes environmentally friendly choices and can help offset the potentially higher costs of these fuel-efficient vehicles.

Driver Training Discount

Young drivers on an AARP member's policy can secure additional discounts by completing an approved training course. This discount encourages safe driving practices among young drivers and can provide significant savings for members with teenage or young adult drivers.

Defensive Driving Discount

Completing a defensive driving course can provide AARP members with a discount for up to three years. This discount incentivizes members to improve their driving skills and can lead to long-term savings on their insurance premiums.

Personalised policies

AARP auto insurance is provided through The Hartford Group, and is available to members over the age of 50. The AARP has offered auto insurance plans through The Hartford since 1984.

AARP auto insurance offers a range of standard coverages, including liability, uninsured/underinsured motorist, personal injury protection, and comprehensive and collision coverage.

However, AARP's auto insurance policies also include other standard policy features that may be particularly attractive to senior drivers. One such feature is RecoverCare, which offers temporary cover for necessary home services after a covered accident, including transportation, food preparation, cleaning, lawn mowing, and dog walking. This benefit can provide peace of mind for seniors, caretakers, and their families.

Another feature is New Car Replacement coverage, which helps replace a totalled new car with a new vehicle of the same make and model. AARP auto insurance also offers Accident Forgiveness and a Disappearing Deductible, which reduces your collision deductible year after year if you maintain a clean driving record.

In addition to these standard features, AARP auto insurance provides a range of optional add-ons, including:

• Full glass coverage, which pays for headlight, mirror, and window repairs with no deductible.
• Car towing coverage, which covers towing and labour charges if your vehicle breaks down.
• TrueLane, The Hartford's telematics program, which uses your driving habits to price your premium. Signing up earns you a 5% discount, and you can save up to 12% based on your driving habits.
• Emergency roadside assistance, which provides 24/7 coverage if you're stranded and need assistance.

AARP auto insurance is generally well-reviewed, with The Hartford earning strong ratings from J.D. Power for claims satisfaction and customer satisfaction. However, it's important to note that customer reviews on the Better Business Bureau (BBB) website give AARP insurance through The Hartford a lower rating, with some reviewers mentioning issues with communication and customer service.

Overall, AARP auto insurance through The Hartford offers a range of personalised policies and features tailored to meet the unique needs of senior drivers.

Good for seniors

AARP auto insurance is a good option for seniors. The Hartford has been offering special benefits to nearly 40 million AARP members since 1984. Here are some reasons why AARP auto insurance is a good option for seniors:

Custom coverages

The AARP Auto Insurance Program from The Hartford offers various car insurance coverages to protect AARP members. This includes new car replacement, a 24/7 car insurance claims hotline, and additional coverages to protect you and your car while you're on the road.

Affordability

AARP members can save up to 10% on car insurance just for being an AARP member. The Hartford's rates are cheaper than average compared to major competitors.

Personalization

The Hartford's car insurance policies address each driver's individual needs. They can help you find the right coverage for you and your family.

Car insurance discounts

You can save money by completing a defensive driver course or paying your policy in full. You can also save on your premium by bundling your home and auto insurance.

Top-rated claims team

The Hartford's claims team has received high ratings and reviews for helping members through the claims process. They offer an easy-to-navigate claims process and excellent customer service.

Good customer service

AARP auto insurance is provided by The Hartford, a company that has been in the insurance business since 1810. The Hartford has generally good customer reviews, and its AARP auto insurance coverage includes benefits designed for its 50+ demographic.

The Hartford has a customer service line open from 8 a.m. to 9 p.m. EST on weekdays and 8 a.m. to 6 p.m. on weekends. Its customer reviews are mixed, with some people reporting issues with communication and customer service. However, in J.D. Power's 2021 U.S. Auto Claims Satisfaction Study, The Hartford was first among more than 19 insurance companies included in the study. Customers rated insurers for their claims servicing, first notice of loss, estimation process, repairs, rental experience, and settlement.

The Hartford also has an "A+" Financial Strength Rating from A.M. Best, indicating solid financial stability.

The Hartford offers various car insurance coverages to help AARP members, including new car replacement, a 24/7 car insurance claims hotline, and additional coverages to protect members and their cars while on the road. The company also provides a mobile app called The Hartford Auto & Home, which allows policyholders to call roadside assistance, make a claim, view ID cards, pay their insurance bill, and more. The app has a rating of 2.7 out of 5 stars on Google Play and 3.8 out of 5 stars on the App Store.

The Hartford has offered special benefits to nearly 40 million AARP members since 1984. AARP members can qualify to save on car insurance by up to 10% just for being an AARP member. The company offers personalized customer service, cheaper-than-average rates, and coverage options tailored to senior lifestyles.

Easy claims process

AARP auto insurance is provided by The Hartford Group, and has been since 1984. The Hartford Group has an A+ financial strength rating from A.M. Best, which indicates solid financial stability.

The Hartford Group offers a fast and easy claims process, with representatives available 24/7 to assist with claims. Customers rate the company highly for their claims experience.

There are several ways to contact The Hartford Group and file a car insurance claim. You can call to report a claim 24 hours a day, 7 days a week, or you can report a simple car accident claim online. Once a claim has been reported, a professional claims representative will be assigned to help you throughout the process. They will help document the details of the incident and confirm your contact information. They may also request that you take and submit photos of your vehicle using their guided online tool.

The Hartford Group also offers a mobile app called The Hartford Auto & Home, which allows policyholders to call roadside assistance, make a claim, view ID cards, and pay their insurance bill. The app has a 2.7 out of 5.0-star rating on the Google Play store and a 3.8 out of 5.0-star rating on the App Store.

Frequently asked questions