Broadform Auto Insurance: What Aarp Hartford Offers

The AARP Auto Insurance Program from The Hartford offers exclusive benefits and savings for AARP members who are 50 or older. Members can save up to 10% on their premium and get additional discounts for requesting an online quote or bundling auto and home policies. The program also includes benefits like Accident Forgiveness and Disappearing Deductible, as well as highly-rated claims services. The Hartford has been offering car insurance discounts to AARP members for over 35 years, providing peace of mind and protection for drivers on the road.

Discounts and benefits

The AARP Auto Insurance Program from The Hartford offers a range of discounts and benefits to its members. The program has been offering exclusive benefits and savings to AARP members since 1984.

Discounts

• Up to 10% off† your car insurance premiums for AARP members.
• Discounts for requesting a quote online.
• Discounts for bundling auto and home policies.
• Discounts for paying your premium in full.
• Discounts for passing an approved defensive driver course.
• Discounts for installing safety features.
• Discounts for having multiple airbags.
• Discounts for driving a hybrid or electric car.
• Discounts for having a good credit score.

Benefits

• New car replacement if you total your new car in a car accident.
• RecoverCare coverage for reimbursement on home services, like house cleaning, if you’re unable to do it after an accident.
• Lifetime car repair assurance for help finding a trusted repair service.
• Accident Forgiveness: If all drivers on the policy have a clean driving record for five straight years, you’ll qualify for accident forgiveness.
• Disappearing Deductible: Your collision deductible could be reduced over time in most states if you maintain a clean driving record.
• Labor and Towing Insurance: Covers emergency roadside assistance and towing to a repair shop.
• Accident Rental Car Reimbursement: Covers the cost of a rental car while your car is in the shop.

Custom coverage options

The AARP Auto Insurance Program from The Hartford offers a variety of custom coverage options to fit everyone's needs.

The program offers liability coverage to protect you in case you are at fault in a car accident. This includes bodily injury liability, which covers the medical expenses of the other driver, and property damage liability coverage, which covers the costs of damage to property that doesn't belong to you, such as someone else's car or house.

Additionally, the program offers collision insurance, which covers damage to your vehicle from a collision with another car or object, and comprehensive insurance, which covers damage to your vehicle from non-collision events such as natural disasters, vandalism, or hitting an animal.

If you are hit by an uninsured or underinsured driver, the uninsured/underinsured motorist coverage will protect you.

The Hartford also offers additional coverages, such as new car replacement, where they will replace your totalled new car with a new vehicle of the same make, model, and equipment without deducting for depreciation. RecoverCare coverage reimburses you for essential home services you cannot perform after an accident, such as house cleaning, lawn maintenance, snow removal, and food preparation.

The Lifetime Car Repair Assurance helps you find a trusted repair service, and if you use one of their authorized repair shops, they will pay for any unsuccessful repairs.

Other benefits include accident forgiveness and a disappearing deductible, which reduces your collision deductible over time if you maintain a clean driving record.

The Hartford also offers labour and towing insurance, which covers emergency roadside assistance and towing services, and accident rental car reimbursement, which covers the cost of a rental car while your car is being repaired.

You can customize your policy to include these additional coverages and benefits to fit your unique needs and ensure you have the protection you require.

Car insurance for classic cars

AARP and The Hartford offer classic car insurance, which is a type of insurance that covers vehicles that are over 15 years old and worth at least £15,000. While there is no standard definition of a classic car for insurance purposes, this is the definition provided by HM Revenue & Customs.

Classic car insurance operates under the assumption that the vehicles are generally well-maintained and are driven less frequently than modern cars. This means that classic car insurance policies are often cheaper than standard 12-month car cover.

Classic car insurance policies also differ from standard policies in that they may specify an annual mileage cap. This means that if you exceed the specified mileage, you will need to contact your insurer to arrange an extension to your existing cover.

The Hartford's classic car insurance offers discounts similar to those for regular cars. For example, anti-theft devices and defensive driving courses can lower your rate.

Other companies that offer classic car insurance include Aviva, Performance Direct, and Hagerty International.

Roadside assistance

AARP members can take advantage of 24/7 roadside assistance from The Hartford. This service is available across the United States and can be accessed through The Hartford's mobile app or by calling their emergency roadside assistance line.

RESCUE 1-800, The Hartford's emergency roadside assistance service, offers a network of 40,000 towing services across the country. This service can help with a range of issues, including:

• Towing your vehicle to a repair shop or anywhere within 100 miles.
• Fuel delivery.
• Flat-tire service, including towing if necessary.
• Jump-starting a dead battery and, if needed, replacing it.
• Locksmith services if you lock your keys in your car or lose them.

To be eligible for roadside assistance, you must have comprehensive auto coverage on your vehicle. You can add roadside assistance to your policy as an optional coverage.

Combining coverages

The AARP Auto Insurance Program from The Hartford offers savings of up to 10% for simply having an AARP membership. You can also save up to 5% on auto insurance and up to 20% on home, condo, or renters insurance by bundling these policies. This means you could save over $600 when you bundle auto and home insurance.

The Hartford also offers additional benefits, such as new car replacement if your new car is totalled in an accident. They will replace it with a new vehicle of the same make, model, and equipment without subtracting anything for depreciation. You can also access RecoverCare coverage for reimbursement on home services, like house cleaning, if you're unable to do it after an accident.

The Hartford's customer service representatives are available to discuss your insurance needs and help you learn more about the customizable products and services they offer.

Frequently asked questions