Hartford Auto Insurance: Get Covered In Simple Steps

If you're looking to insure your car, The Hartford's AARP Auto Insurance Program could be a great option for you. The Hartford has been offering exclusive benefits and savings to AARP members since 1984, including a 10% discount on your policy just for being a member. With a focus on providing excellent customer service, The Hartford's representatives are always ready to help you with your insurance needs, whether it's choosing the right coverage or filing a claim.

The AARP Auto Insurance Program offers a range of coverages to fit your unique needs, including liability, collision, and comprehensive insurance. You can also take advantage of additional benefits such as Accident Forgiveness, Disappearing Deductible, and RecoverCare.

Getting a quote from The Hartford is easy and can be done online or over the phone. Simply provide your basic personal details, vehicle information, and current insurance policy information to get started. With affordable rates and a fast and easy claims process, The Hartford's AARP Auto Insurance Program is a great choice for drivers aged 50 and above.

Discounts for AARP members

AARP members can enjoy a range of discounts and benefits through the AARP Auto Insurance Program from The Hartford.

Discounts

Firstly, members can save up to 10% on their premium simply by being an AARP member. This discount is available to all members, regardless of age or tenure.

Secondly, members can save money by requesting an online quote.

Thirdly, members can save by bundling their auto and home policies. This discount is available for those who bundle their home and auto insurance, car and renters insurance, or auto and condo insurance. This can result in savings of up to 12% on auto insurance and up to 20% on home, renters, or condo insurance.

Additionally, members who pay their bill in full, rather than in monthly instalments, are eligible for further discounts.

Other Benefits

The Hartford also offers a range of other benefits to AARP members, including:

• Accident Forgiveness
• Disappearing Deductible
• Highly-rated claims services
• Safe driver discounts for those who have completed an approved defensive driving course
• TrueLane Program: members can save up to 12% by participating and may earn a renewal discount of up to 25% depending on their driving habits

Custom coverage options

The Hartford's auto insurance coverage options can be customized to fit your unique needs as a driver.

The AARP Auto Insurance Program from The Hartford offers a range of coverage options, including liability coverage, collision insurance, and comprehensive insurance. Liability coverage includes two types: bodily injury liability, which covers medical expenses for the other driver if you're at fault in an accident, and property damage liability coverage, which covers costs if you damage someone else's property, such as their car or house. Collision insurance covers your vehicle if it's damaged in a collision with another car or object, while comprehensive insurance covers non-collision events such as natural disasters, vandalism, or hitting an animal.

Additionally, The Hartford offers uninsured/underinsured motorist coverage, which protects you if you're involved in an accident with a driver who doesn't have sufficient insurance. Their coverage options also include accident forgiveness and disappearing deductibles. With accident forgiveness, as long as all drivers on the policy have a clean driving record for five straight years, you'll qualify for this benefit. The disappearing deductible is an optional coverage that reduces your collision deductible over time, provided you maintain a clean driving record.

You can also bundle your home and auto insurance policies for a discount of up to 5% on auto insurance and up to 20% on home insurance. This includes bundling options for condo, renters, and home insurance.

The Hartford also provides coverage for classic cars, RVs, snowmobiles, and golf carts, with potential discounts for bundling these with your auto insurance.

To get a quote for auto insurance from The Hartford, you'll need to provide basic personal details, vehicle information, details about additional drivers, and information about your current auto insurance policy.

Car insurance discounts

The Hartford Insurance offers a range of discounts and benefits for car insurance through the AARP Auto Insurance Program. This program is exclusive to AARP members and has been offered in partnership with AARP since 1984.

Discounts for AARP Members

AARP members can save up to 10% on their car insurance policy simply by being a member.

Defensive Driver Discounts

Safe drivers can also benefit from discounts. The Hartford offers discounts to those who have completed an approved defensive driving course. This discount lasts for three years and can be combined with other safe driver discounts.

TrueLane Program

The TrueLane Program offers a discount of up to 12% for signing up within 60 days of your first policy. Depending on your driving habits, you could also earn a renewal discount of up to 25%.

Paid-in-Full Discount

Extra discounts are available for those who pay their bill in full instead of making monthly payments.

Bundling Insurance

You can save up to 5% on your auto insurance by bundling it with home, renters, or condo insurance.

Vehicle Safety Discounts

If your car has safety features such as anti-lock brakes, anti-theft devices, or multiple airbags, you may be eligible for additional discounts.

Hybrid and Electric Vehicle Discounts

The Hartford also offers discounts for drivers of hybrid or electric vehicles.

Driver Training and Education Discounts

Drivers under the age of 21 (or under 25 in Georgia) who complete an approved training course are eligible for a discount on their car insurance rate.

Good Driver Discounts

Maintaining a clean driving record for at least five years can result in good driver discounts, which reduce your auto insurance costs.

Higher Deductibles

Opting for higher deductibles on your car insurance will reduce your monthly payments, but keep in mind that you'll need to pay a higher deductible in the event of an at-fault accident.

Roadside assistance

Roadside emergencies can happen at any time and place. If you have car insurance with The Hartford, you can avail of their emergency roadside assistance service, RESCUE 1-800, which makes these situations less stressful. RESCUE 1-800 offers a network of 40,000 towing services across the United States to provide roadside assistance. These services are available 24/7, every day of the year, and can be reached through their emergency roadside assistance line at 800-322-7789.

• Towing service: They will help tow your car for up to 100 miles, whether it's stranded on the road or in your driveway.
• Fuel-delivery service: They will send a tow truck with gas if you run out.
• Flat-tire service: They will send someone to fix your flat tire, and if it needs to be replaced, they will include towing in your roadside assistance coverage.
• Battery jump-start service: They will send someone to jump-start your car if your battery is dead. If that doesn't work, they can help replace the battery on the spot. Any repairs done on-site are included, but the cost of a new battery is not.
• Locksmith service: They will send a locksmith if you lock your keys in your car or lose them.
• Vehicle age: Older cars may be more likely to break down, but even newer cars can experience issues that require roadside assistance.
• Driving distance: Do you frequently drive long distances or commute to work? Even if you don't drive far, you could still encounter issues like a dead battery.
• Convenience: Do you already belong to a motor club that provides roadside assistance? It might be easier to add roadside assistance coverage from your auto insurance company.
• Cost: Since this coverage is optional, there is a charge to add it to your policy. Consider whether it fits your budget and the potential out-of-pocket costs if you don't have the coverage.

Combining coverages

The Hartford Insurance offers various benefits to its customers who choose to combine coverages. Firstly, it provides an opportunity to save time and money. Secondly, having insurance coverages from a single carrier simplifies the management of multiple policies. Finally, your insurance representative will better understand your insurance needs and can help ensure you receive tailored coverage.

The AARP Auto Insurance Program from The Hartford is a great option for those aged 50 and above, offering exclusive benefits and savings. For instance, members can save up to 10% on their policy simply by being an AARP member. Additionally, The Hartford offers safe driver discounts, providing further savings of up to 12% for participating in the TrueLane Program, with the possibility of earning a renewal discount of up to 25% based on driving habits.

Frequently asked questions