Alyssa Lane
AARP members can access various insurance benefits, including car, homeowner's, renter's, and health insurance. Members can also access exclusive benefits, discounts, and resources for people aged 50 and over. For example, AARP auto insurance offers savings of up to 10% for members, and drivers who switch to The Hartford can save an average of $577 on their auto insurance. In addition, members can save up to 50% on airfare and 20% at select Wyndham hotels. AARP also offers free tools and calculators to help with financial planning and saving.
| Characteristics | Values |
|---|---|
| Car insurance discounts | Up to 10% for paying your bill on time, up to 5% for completing a defensive driving course, up to 8% for starting your quote online, up to 10% for maintaining a clean driving record for five years, and up to $577 on average for switching to The Hartford |
| Home insurance discounts | Over $800 when bundling auto and home insurance |
| Dental insurance plans | AARP Dental Insurance Plan administered by Delta Dental Insurance Company |
| Health savings | AARP Health Savings Account offered by Optum Financial with discounted fees and tax advantages |
| Hearing aids | Up to 50% off hearing aids with AARP Hearing Solutions provided by UnitedHealthcare Hearing |
| Travel discounts | Up to $100 off guided vacations, up to 35% off base rates with pay now plus an extra $10-15 off for 3+ day rentals, up to 50% off airfare, up to 15% off all hotel stays |
| Hotel discounts | 20% off at select hotels by Wyndham |
| Student loan repayment | Free repayment and forgiveness eligibility review with the Savi Student Loan Repayment Tool |
| Estate planning | 20% off trusts and wills |
| Fraud protection | Free tools and resources to help spot and avoid scams, including tip sheets, scam-tracking maps, and a helpline |
| Identity theft protection | LifeLock by Norton plans starting at $6.99 per month |
| Device protection | Up to 69% off device protection plans with Norton 360 |
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What You'll Learn
Discounted car insurance rates
Some companies offer discounts for loyal customers, although it is worth noting that some insurers use a practice called price optimization to charge loyal customers higher rates. It is always worth comparing quotes from multiple companies to ensure you are getting the best rate.
You can also get discounts for bundling multiple policies, such as home and auto insurance, or insuring multiple cars under the same policy. Discounts are also often available for full-time students with good grades, and for those who own a home.
AARP members can benefit from exclusive discounts on car insurance with The Hartford, including savings of up to 10% with membership. AARP members who switch to The Hartford could save an average of $577 on car insurance.
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Discounted health and dental insurance plans
AARP members can benefit from discounted health and dental insurance plans. AARP provides exclusive member benefits, discounts, and resources for people aged 50+.
Dental Insurance Plans
The AARP Dental Insurance Plan is administered by Delta Dental Insurance Company and insured by Dentegra Insurance Company, Delta Dental Insurance Company, or its affiliate companies. It offers a large network of dentists for care where and when you need it. It also provides lower out-of-pocket costs with plans catering to a variety of budgets and needs.
The plans start at $27.80 and are available in AZ, CA, CO, DC, FL, GA, IL, KY, MD, MO, NM, NY, OH, PA, TN, TX, and WV.
Health Savings Account
AARP also offers a Health Savings Account (HSA) through Optum Financial. This account provides discounted fees and tax advantages.
Car Insurance
AARP also offers exclusive benefits on car insurance through The Hartford, including savings of up to 10% for members. Additionally, members can save an average of $577 on their auto insurance compared to other companies.
Home Insurance
AARP members can also benefit from discounted home insurance rates through The Hartford. By bundling home and auto insurance, members can save over $800.
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Fraud protection
AARP offers a range of fraud protection services to its members. The AARP Fraud Watch Network is a free resource that helps members proactively spot scams, provides guidance from fraud specialists, and advocates at the federal, state, and local levels to protect consumers and enforce the law. The network provides reliable, up-to-date insights, alerts, and fraud prevention resources, as well as a helpline that anyone can call for support and guidance.
In addition to the Fraud Watch Network, AARP also offers members access to free tools and resources to help spot and avoid scams, including a scam-tracking map, tip sheets, and identity theft protection plans. Members can also view and report scams in their area through the AARP website and receive alerts from law enforcement in their state. AARP also provides free tax preparation assistance to help members protect their financial information.
AARP's fraud protection services also extend to veterans, service members, and their families through the Veterans Fraud Center. The organization also works with financial organizations to provide the AARP BankSafe training to fight financial exploitation. Furthermore, AARP advocates for legislation to protect older adults from fraud and for changes in federal laws to separate fraud losses from taxable income.
By offering these comprehensive fraud protection services, AARP helps its members stay informed, proactive, and secure against scams and fraud. With a combination of resources, tools, and support, members can take control of their financial safety and protect their personal information.
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Home insurance savings
Homeowner's insurance premiums have been rising, largely due to inflation and a recent spate of natural disasters. The cost of building materials has risen by 22.5% since last year, making the cost of replacing a home after a disaster much higher. It's important to balance managing your insurance costs with ensuring you have appropriate coverage.
AARP members can access homeowners insurance, as well as renters and recreational vehicle insurance benefits. AARP does not offer insurance directly but partners with insurers to help members secure lower-cost insurance. The Hartford, for example, offers a range of discounts for AARP home insurance buyers to help with policy costs. These include:
- Retiree discounts in some states
- Discounts for installing home security, such as a burglar alarm
- Discounts of up to 20% on home insurance when bundling with auto insurance
- Discounts for being claim-free
- Discounts for installing fire protection, such as sprinklers or monitored alarms
- Discounts of up to 10% for being an AARP member
- Discounts for paying in full
In addition, there are other ways to save on your homeowner's insurance. You can:
- Save on premiums by bundling your auto and home policies with one carrier
- Ask your agent to review your policy annually to identify coverage gaps and discounts
- Take steps to protect your home and reduce your liability, such as installing a security system, which can save you up to 15% on your homeowner's policy
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Travel discounts
AARP members can avail of a wide range of travel discounts for an annual fee of $16. The membership gives access to deals on travel, including vacation packages, car rentals, cruises, flights, and more.
AARP has a partnership with Expedia, which offers members exclusive guides to popular cities in the U.S. and around the globe. Members can save on flights with British Airways, receiving $65 off a round-trip economy ticket or $200 off a business class ticket. AARP members can also get up to $100 in onboard credit on select voyages when booking through AARP Travel Expedia.
For car rentals, members can save up to 30% on base rates at Avis and Budget and 5% on rentals from Payless Car Rental. Members can also get free upgrades, an additional driver at no cost, and insurance benefits when booking car rentals.
AARP also offers discounts on cruises. Members can get 5% off cruises plus a €100 per-person onboard credit. There are also discounts on rail and cruise combination trips to National Parks, Alaska, Canada, and elsewhere in the U.S.
In addition to these benefits, members also get access to exclusive guides to popular cities in the U.S. and affordable U.S. destinations.
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Frequently asked questions
AARP members can save up to 10% on their auto insurance policy by maintaining a clean driving record for five years. Members can also save up to $813 by bundling home and auto insurance.
AARP insurance offers exclusive benefits, superior service, and affordable rates for members. This includes access to discounted car insurance rates, fuel discounts, and safe driving courses.
To get a quote for AARP insurance, you can call The Hartford at 800-684-1933 or start your car insurance quote online and save up to 8%.
