AARP Car Insurance for Seniors: Everything You Need to Know

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As a senior citizen, you may have unique needs when it comes to car insurance. Fortunately, the AARP (American Association of Retired Persons) offers auto insurance policies tailored specifically to older drivers. In this article, we’ll take a closer look at what AARP car insurance offers, how it works, and what sets it apart from other car insurance options.

Table Contents show

What is AARP Car Insurance?

AARP is a nonprofit organization that provides a range of services and benefits to its members, including car insurance. AARP car insurance policies are designed specifically for drivers age 50 and over, and they are underwritten by The Hartford, a well-known insurance company.

One of the key advantages of AARP car insurance is that it offers unique benefits and discounts that cater to the needs of older drivers. For example, AARP members may be eligible for:

  • A discount on their car insurance premiums
  • A waiver of their deductible if they are involved in an accident with another AARP member
  • 24/7 roadside assistance
  • First accident forgiveness
  • New car replacement coverage

How Do AARP Car Insurance Policies Work?

To get started with AARP car insurance, you must first become a member of AARP. Once you are a member, you can apply for car insurance online, over the phone, or through an AARP-approved agent. Your rates will be based on a variety of factors, including your age, driving history, and the type of car you drive.

When you purchase an AARP car insurance policy, you will have the option to customize your coverage to meet your specific needs. For example, you can choose to add:

  • Collision coverage, which will pay for damages to your car if you are involved in an accident
  • Comprehensive coverage, which will cover non-collision-related damages such as theft or damage from a natural disaster
  • Uninsured/underinsured motorist coverage, which will protect you if you are in an accident with someone who does not have enough insurance to cover all of the damages
  • Personal injury protection, which will pay for your medical bills if you are injured in an accident

Once you have purchased your policy, you will pay your premiums on a regular basis (usually monthly or quarterly). If you are involved in an accident and need to file a claim, you can do so online or over the phone. An AARP representative will guide you through the claims process and help you get the compensation you need to cover your losses.

FAQ

What is the minimum age to apply for AARP car insurance?

To be eligible for AARP car insurance, you must be at least 50 years old.

How do I become a member of AARP?

You can become a member of AARP by visiting their website and filling out an application. Annual membership fees start at $16 per year.

What discounts are available to AARP members?

AARP members may be eligible for a range of discounts, including discounts on car insurance premiums, travel bookings, and more. The specific discounts available may vary depending on your location and other factors.

Can I cancel my AARP car insurance policy at any time?

Yes, you can cancel your AARP car insurance policy at any time. However, you may be charged a cancellation fee if you cancel your policy before the end of the policy period.

Is AARP car insurance more expensive than other car insurance options?

The cost of AARP car insurance will depend on a variety of factors, including your age, driving history, and the type of car you drive. However, AARP car insurance policies are generally competitive with other car insurance options, and they offer unique benefits and discounts that may make them a more attractive choice for older drivers.

Conclusion

If you are a senior citizen who is in need of car insurance, AARP car insurance may be a good choice for you. With its unique benefits and discounts, AARP car insurance policies are designed specifically to meet the needs of older drivers. To learn more about AARP car insurance and to get a customized quote, visit their website or contact an AARP-approved agent today.

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