Auto Insurance Savings: Aarp's Benefits Explained

AARP auto insurance is offered through The Hartford and is available to members aged 50 and over. The average cost of AARP auto insurance is $1,332 per year, or $111 per month, though this varies depending on location. Members can save up to 20% by bundling their home and auto insurance policies. AARP auto insurance offers a range of discounts, including savings for safety features, completing a safety course, or paying the full policy amount upfront. The company also offers accident forgiveness and disappearing deductibles, which decrease over time if no collisions occur.

Discounts for safety features, completing a safety course, or paying your full policy amount

AARP car insurance offers exclusive discounts that can lower the cost of your car insurance. These include discounts based on safety features in your car, completing a safety course, or paying your full policy amount.

Discounts for Safety Features

Safety features in your car can help you save on your AARP car insurance. For example, having multiple airbags can save you as much as 10-20%. Additionally, having an anti-theft device installed in your car can also lead to a discount.

Completing a Safety Course

Completing a safety course, such as the AARP Smart Driver™ course, can also result in significant discounts on your car insurance. This course can be taken in a classroom setting or online, and many states offer price reductions or discounts to motorists who complete it. In some states, these discounts are mandatory, and insurance companies must offer them to those who complete a state-approved driver-improvement course.

Paying Your Full Policy Amount

If you pay your full premium amount upfront, AARP offers a paid-in-full discount, which can help lower your overall car insurance costs.

By taking advantage of these discounts, AARP members can save money and benefit from comprehensive coverage options that protect them, their passengers, and their property in the event of an accident, regardless of fault.

Average member savings of $577

AARP auto insurance offers a range of coverage options to help you pay the costs associated with accidents, regardless of who is at fault. The AARP auto insurance liability coverage includes bodily injury liability, which covers insurance claims that involve injuries sustained during an accident where you are found at fault. This includes injuries to pedestrians or passengers in your vehicle. AARP's auto insurance liability coverage also offers property damage liability, which covers the costs related to damage done to someone else's property when you are at fault for an accident.

The medical coverage option for AARP's auto insurance program includes both medical payments coverage and personal injury protection (PIP). Medical payments coverage includes anyone in your car and any pedestrians involved in the accident. This coverage also applies if you are a passenger in another person's vehicle, and it helps to cover the costs of medical treatment as a result of the accident. Medical payments coverage will not include the cost of injuries to other drivers involved in the accident.

PIP, also called no-fault insurance, covers costs related to an accident, including lost pay from your employer. PIP also covers your costs if you are involved in an accident as a pedestrian. PIP functions similarly to medical payments coverage but typically has a higher limit and a deductible you must meet before it will help with costs.

AARP's auto insurance offers collision coverage and comprehensive coverage. Collision coverage assists you in covering the cost of any damage to your vehicle if you run into another car or object, such as a wall or tree. Comprehensive coverage pays for damage due to something you could not control, such as an accident caused by poor weather conditions. This coverage has a deductible but will cover the cost of damages up to the actual cash value of your car.

Both coverage types are optional, but a lender might require you to include one or both if you are financing or leasing your car.

The average member savings for AARP auto insurance is $577. According to The Zebra, the overall average rate is roughly $1,392 for a 12-month premium. This number is based on the costs of 12-month premiums for random zip codes throughout the United States. For example, in Austin, Texas, the 12-month premium is $1,681, while in Columbus, Ohio, it is $995.

AARP members can also earn discounts of up to 20% by bundling their homeowners insurance and auto insurance policies with AARP, via The Hartford.

Discounts for bundling home and auto coverage

Bundling insurance is a common practice in the insurance industry. It involves purchasing multiple insurance policies, like homeowners and auto, from the same insurance company. This can often lead to a multi-policy discount, with some companies promising anywhere from 10% to 25% in savings.

The process of bundling insurance is fairly simple. It typically involves purchasing multiple types of insurance policies from the same insurance provider. For example, you could buy home, auto, and RV insurance from the same company. One of the main benefits of bundling is that companies often offer discounts if you hold several policies with them, so it can help you save money.

When considering bundling home and auto insurance, it's important to keep in mind that not all insurers offer both types of policies, so bundling may not always be an option. Additionally, bundling may not always result in the lowest rates, as it's possible to find cheaper separate policies from different companies. It's important to compare quotes from multiple insurers to find the best rate.

AARP members can take advantage of the organization's partnership with The Hartford to access exclusive auto insurance policies. The AARP Auto Insurance Program from The Hartford offers an average member savings of $577. By bundling home and auto coverage through this program, members can save up to 20% on their home insurance.

In addition to the cost savings, bundling insurance can also simplify policy management. It allows you to manage multiple insurance products in a single online account or through the same mobile app. It also streamlines billing by combining bills into one payment for both policies.

Overall, bundling home and auto coverage can be a great way to save money on insurance, especially for AARP members who can take advantage of the exclusive discounts offered through the AARP Auto Insurance Program from The Hartford.

Discounts for multiple policies

AARP members can save up to 20% on their insurance premiums by bundling their home and auto insurance policies with The Hartford. This discount is available to members who purchase both their home and auto insurance policies from The Hartford.

The AARP® Homeowners Insurance Program from The Hartford offers members insurance for their homes, condos, or renters insurance. The program also includes insurance for mobile and manufactured homes through the AARP® Mobile Home Insurance Program from Foremost®.

The AARP® Auto Insurance Program from The Hartford offers members insurance for their cars, motorcycles, RVs, and other vehicles. The program includes insurance for classic and collectible cars through the Collectible Vehicle Insurance from The Hartford, as well as insurance for boats, personal watercraft, ATVs, golf carts, and snowmobiles.

By bundling their home and auto insurance policies with The Hartford, AARP members can save money and simplify their insurance coverage. This discount is available to all AARP members who purchase both their home and auto insurance policies from The Hartford.

In addition to the discount for bundling policies, AARP members can also save money on their auto insurance premiums by taking advantage of other discounts offered by The Hartford. These include discounts for paying their bill in full, getting an online quote, enrolling in a telematics program, having safety features in their vehicle, and more.

Overall, AARP members can save a significant amount on their insurance premiums by bundling their home and auto insurance policies with The Hartford and taking advantage of other available discounts.

Discounts for paying the full amount of your premium

AARP auto insurance offers a range of discounts to its members, including a discount for paying the full amount of your premium. The exact amount that you can save by paying your premium in full is not specified, but AARP advertises an average saving of $577 for its members.

The AARP auto insurance program is provided by The Hartford Group, which has offered auto insurance plans to AARP members since 1984. The AARP, or the American Association of Retired Persons, was founded in 1958 by a retired public school teacher and principal in California. Today, the organization continues to serve as a nonprofit dedicated to advocating for people aged 50 and up.

In addition to the paid-in-full discount, AARP offers a range of other discounts on auto insurance, including:

• A bundle discount of up to 5% on auto insurance and up to 20% on home, renters, or condo insurance when you combine different insurance products.
• A discount for getting your quote online.
• A safe driving discount of up to 12% for enrolling in The Hartford's TrueLane telematics program, which can monitor your driving habits and suggest improvements.
• A safety features discount if your vehicle is equipped with anti-lock brakes or other safety features.
• A vehicle fuel type discount if you own a hybrid or electric car.
• A driver training discount for young drivers on a member's policy who complete an approved training course.
• A defensive driving discount for completing a defensive driving course, which lasts for three years.

Frequently asked questions