Auto Insurance Options: Aarp's Recommendations And Partnerships

AARP members can get auto insurance through The Hartford, which has been offering special car insurance pricing and benefits to AARP members since 1984. The AARP Auto Insurance Program from The Hartford offers benefits such as new car replacement, RecoverCare, and lifetime car repair assurance. Members can also get exclusive savings like up to 10% off their premium, plus discounts for requesting a quote online or for bundling auto and home policies.

Discounts for bundling auto and home policies

AARP members can get exclusive savings like up to 10% off their premium, plus discounts for requesting a quote online or bundling auto and home policies. The AARP Auto Insurance Program from The Hartford offers a bundling discount of up to 20% on average, which can result in significant savings on both policies.

The process of bundling insurance involves purchasing multiple types of insurance policies from a single insurance provider. For instance, you could buy home, auto, and RV insurance from the same company. One of the main advantages of bundling is that companies frequently provide discounts if you have numerous policies with them, which can result in substantial savings. While bundling typically refers to home and auto insurance, you may be eligible for a multi-policy discount if you purchase other types of insurance from the same insurer, such as an RV, boat, or umbrella policy.

Bundling your auto and home insurance can offer several benefits, including:

• Financial savings: Car insurance discounts for bundling can often provide significant savings on your home and auto policies. According to our analysis, a bundling discount (or multi-policy discount) with the same insurance company can save you an average of 7% to 25% on your premiums.
• Streamlined policy management: Bundling allows you to manage multiple insurance products in a single online account and via the same mobile app, if available. You may also work with a single agent, simplifying the insurance experience.
• Simplified billing: You can combine bills if you bundle home and auto insurance, receiving only one bill for both policies each billing cycle.
• Potential for a single deductible: Depending on your insurer, you might qualify for a single deductible. This means that if your vehicle(s) and home are damaged in a single covered event, such as a storm, you will only pay one deductible instead of two. Additionally, you only need to deal with one company for the claim, making the process more convenient.

However, there are also some potential drawbacks to consider:

• Limited availability: Not all insurers offer both home and auto policies, so bundling may not always be an option.
• Restricted coverage and discount options: Finding a carrier that offers all the home and auto endorsements you desire can be challenging. If you're looking for specialized discounts, such as a telematics program, these may also be difficult to find across policies with the same company.
• Third-party products: In some cases, a car insurance company may have a partner company that sells home insurance and call it a "bundled" policy. While having two policies could still result in significant savings, holding separate policies with different insurers means you won't be able to manage your policies in one place.
• Possibility of higher rates: Your current insurer may allow bundling, but that doesn't guarantee the best rates. Additionally, bundling home and auto policies may limit your ability to shop around for the most competitive prices from different insurers.

New car replacement

AARP auto insurance is offered through The Hartford and is only available to AARP members over the age of 50. The Hartford has been selling auto insurance exclusively to AARP members since 1984.

AARP auto insurance offers new car replacement for an added fee. This means that if your new car is totalled in an accident covered by your policy, new car replacement insurance will reimburse you for the cost of a new vehicle of the same make and model. This is different from a standard collision or comprehensive insurance policy, as new car replacement coverage provides a payout that does not include a deduction for depreciation.

In Georgia, AARP members can receive new car replacement as a benefit of the AARP Auto Insurance Program from The Hartford. This benefit allows members to replace their totalled new car with one of the same make, model, and equipment without subtracting depreciation.

In addition to new car replacement, AARP auto insurance offers other benefits and coverage options, such as accident forgiveness, a disappearing deductible, and roadside assistance. AARP auto insurance also provides all the core types of car insurance, including liability insurance, comprehensive insurance, collision insurance, uninsured/underinsured motorist insurance, personal injury protection, and medical payments insurance.

Accident forgiveness

AARP members can benefit from the AARP® Auto Insurance Program from The Hartford, which includes accident forgiveness. This means that, if you have a good driving record, your insurance rate won't increase after your first accident.

GEICO, for example, offers Accident Forgiveness in some states, where it can be earned or purchased. If you have multiple drivers on your policy, any of the eligible drivers may use this benefit once.

Disappearing deductible

AARP auto insurance is provided through The Hartford, which offers a disappearing deductible as an optional coverage. This means that your collision deductible will decrease over time as long as you maintain a clean driving record. This feature is not available in California.

The Hartford's disappearing deductible coverage is a great option for safe drivers as it rewards them for their good driving behaviour. By choosing this coverage, you can reduce your collision deductible on your auto policy each year, all the way down to $0. This can result in significant savings on your auto insurance costs over time.

The disappearing deductible is just one of the many benefits and discounts offered by The Hartford to AARP members. Other features include accident forgiveness, new car replacement, lifetime car repair assurance, and no deductible on windshield repairs.

The Hartford also offers additional coverage options, such as gap insurance, key replacement coverage, and legal assistance. With its range of benefits and optional coverages, The Hartford's auto insurance program provides AARP members with comprehensive protection and the potential for substantial savings.

24/7 claim service

AARP auto insurance is provided by The Hartford. The Hartford has been offering car insurance exclusively to AARP members since 1984.

The Hartford offers 24/7 claim services to its customers. Representatives are available around the clock to help customers file a claim. The process can be done over the phone or online. Once a claim has been reported, a professional claims representative will be assigned to the case to help document details of the incident, such as injuries, witnesses, and property damage. The claims representative may also request that the customer submit photos of their vehicle using an online tool to help show the damage.

The Hartford also offers 24/7, 365 days a year roadside assistance through its RESCUE 1-800 program. This service includes towing, locksmith, and flat-tire assistance. Customers can reach RESCUE 1-800 by calling 800-322-7789.

The Hartford's customer service representatives are also available to help customers with any questions or concerns they may have about their policy or coverage.

Overall, The Hartford's 24/7 claim service is designed to make the claims process as stress-free as possible for its customers.

Frequently asked questions