AARP Auto Insurance Reviews: Everything You Need to Know

As we age, our driving habits and needs change. That’s why finding the right car insurance for seniors is essential. AARP, also known as the American Association of Retired Persons, offers insurance options for drivers over the age of 50. In this article, we’ll take an in-depth look at AARP’s auto insurance offerings and provide a comprehensive review of their services.

What is AARP Auto Insurance?

AARP auto insurance is designed for drivers over the age of 50. The insurance provider is part of The Hartford Financial Services Group, Inc. The company is committed to providing affordable and comprehensive coverage for seniors. AARP auto insurance policies are available in all states, and the company offers a range of discounts for members.

Some of the benefits of choosing AARP auto insurance include:

• 24/7 roadside assistance
• Guaranteed lifetime renewability
• No deductible for windshield repairs
• RecoverCare, which provides help with daily tasks if you’re injured in an accident
• New car replacement if your car is totaled within 15 months or 15,000 miles of purchase

AARP Auto Insurance Reviews

Before making a decision about your auto insurance, it’s essential to read reviews. Let’s take a closer look at what AARP auto insurance reviews have to say.

Pros

Many customers appreciate the affordable rates that AARP auto insurance policies offer. Members can take advantage of numerous discounts, such as:

• A discount for bundling home and auto insurance policies
• A discount for completing a defensive driving course
• A discount for being accident-free for three years
• A discount for having a car with certain safety features

The company also offers excellent customer service, and policyholders report that claims are processed quickly.

Cons

While most customers appreciate AARP auto insurance, there are some negative reviews. The company’s rates are not always the lowest in the market, and some customers have had issues with rate increases. Additionally, AARP’s online tools and account management options are not as robust as some other providers.

AARP Auto Insurance Coverage

AARP offers a range of auto insurance coverage options. Let’s take a closer look at what’s included:

Bodily Injury Liability

Bodily injury liability covers injuries sustained by others in an accident for which you are responsible. AARP auto insurance policies offer up to $500,000 in coverage per accident.

Property Damage Liability

Property damage liability covers damage to other people’s property in an accident where you are at fault. AARP auto insurance policies offer up to $100,000 in coverage per accident.

Collision Coverage

Collision coverage pays for damage to your car if you are in a collision with another vehicle, regardless of who is at fault. AARP offers a range of deductibles, from $0 to $1,000.

Comprehensive Coverage

Comprehensive coverage pays for damage to your car that is not caused by a collision, such as weather-related damage, theft, or vandalism. AARP offers a range of deductibles, from $0 to $1,000.

Uninsured/Underinsured Motorist Coverage

Uninsured/underinsured motorist coverage protects you if you are in an accident with a driver who has no insurance or does not have enough insurance to cover the damages. AARP auto insurance policies offer up to $500,000 in coverage per accident.

AARP Auto Insurance Discounts

AARP auto insurance policies offer a range of discounts to help seniors save money on their coverage. Some of the discounts available include:

Defensive Driving Course Discount

If you complete a defensive driving course, you can qualify for a discount on your car insurance premiums.

Multi-Car Discount

If you insure more than one car with AARP auto insurance, you can receive a discount on your premiums.

Bundling Discount

If you bundle your home and auto insurance policies with AARP, you can receive a discount on your premiums.

Safe Driver Discount

If you have been accident-free for three years, you can qualify for a safe driver discount on your AARP auto insurance premiums.

Vehicle Safety Discount

If your car has certain safety features, such as anti-lock brakes, you can qualify for a vehicle safety discount on your premiums.

AARP Auto Insurance Claims

If you need to file a claim with AARP auto insurance, you can do so by phone or online. The company offers 24/7 claims service, and policyholders report that claims are processed quickly and efficiently.

If you have an accident, AARP offers RecoverCare, which provides help with daily tasks if you are injured and cannot take care of yourself. This benefit is included in all AARP auto insurance policies at no extra cost.

AARP Auto Insurance FAQ

How do I get a quote for AARP auto insurance?

You can get a quote for AARP auto insurance online or by calling the company.

What discounts are available with AARP auto insurance?

AARP auto insurance offers a range of discounts, including safe driver discounts, multi-car discounts, and bundling discounts.

What is RecoverCare?

RecoverCare is a benefit included in all AARP auto insurance policies. It provides help with daily tasks if you are injured and cannot take care of yourself.

What is the maximum bodily injury liability coverage offered by AARP auto insurance?

AARP auto insurance policies offer up to $500,000 in bodily injury liability coverage per accident.

What is the maximum property damage liability coverage offered by AARP auto insurance?

AARP auto insurance policies offer up to $100,000 in property damage liability coverage per accident.

Conclusion

AARP auto insurance is an excellent option for seniors looking for affordable and comprehensive coverage. The company offers a range of discounts, excellent customer service, and benefits such as RecoverCare. While rates are not always the lowest in the market, policyholders report that claims are processed quickly and efficiently. Overall, AARP auto insurance is a solid choice for seniors looking for quality car insurance coverage.