AARP, also known as the American Association of Retired Persons, is a nonprofit organization that provides various benefits and services to its members. One of the many benefits offered by AARP is auto insurance. AARP auto insurance is famous for its exclusive features and benefits that cater to the needs of older drivers. In this article, we will take a closer look at AARP Insurance Auto and its unique features.
What is AARP Insurance Auto?
Before we dive deep into the features and benefits of AARP Insurance Auto, let’s first understand what it is. AARP auto insurance is a car insurance policy offered by The Hartford, a company that specializes in insurance and investment services. The Hartford has been in the insurance business for more than 200 years and is known for its customer-centric approach.
How to get AARP Insurance Auto?
To get AARP insurance auto, you must be an AARP member. AARP membership is open to anyone aged 50 or above. You can become an AARP member by visiting their website and filling out the membership form. Once you are a member, you can go to The Hartford’s website and get a quote for AARP auto insurance.
AARP Insurance Auto Coverage Options
AARP Insurance Auto offers various coverage options that can be tailored to your needs. Here are some of the coverages offered by AARP Insurance Auto:
Coverage Options |
Description |
Liability Coverage |
This coverage pays for damages or injuries that you may cause to other people and their property while driving your car. |
Collision Coverage |
This coverage pays for damages to your car in case of a collision with another vehicle or object. |
Comprehensive Coverage |
This coverage pays for damages to your car caused by events other than collisions, such as theft, fire, or natural disasters. |
Personal Injury Protection |
This coverage pays for medical expenses and lost wages in case you or your passengers are injured in an accident. |
Uninsured/Underinsured Motorist Coverage |
This coverage pays for damages or injuries caused by a driver who does not have insurance or has insufficient insurance. |
Features of AARP Insurance Auto
Lifetime Renewability
AARP Insurance Auto offers lifetime renewability. This means that your policy will not be canceled as long as you meet the driving requirements. This feature is especially beneficial for older drivers who have a harder time finding affordable auto insurance.
RecoverCare
RecoverCare is a unique feature of AARP Insurance Auto that helps you with tasks such as cooking, cleaning, and transportation in case you are injured in an accident. RecoverCare also provides reimbursement for home modifications that are necessary due to your injury.
New Car Replacement
If your car is less than 15 months old and has fewer than 15,000 miles on it, AARP Insurance Auto will replace it with a new one in case of a total loss. This feature is a great way to protect your investment and ensure that you are not left without a car after an accident.
Disappearing Deductible
AARP Insurance Auto offers a disappearing deductible for every year that you drive safely. The deductible reduces by $50 every year and can go up to $0. This feature is a great way to reduce your out-of-pocket expenses in case of an accident.
Frequently Asked Questions (FAQ)
What is the average cost of AARP Insurance Auto?
The cost of AARP Insurance Auto depends on various factors such as your age, driving record, and location. However, on average, AARP Insurance Auto is more affordable than other car insurance policies.
Can I get a discount on AARP Insurance Auto?
Yes, AARP Insurance Auto offers various discounts such as safe driving, multi-car, and multi-policy discounts. You can also get a discount if you complete a defensive driving course.
What is the best way to file a claim with AARP Insurance Auto?
To file a claim with AARP Insurance Auto, you can call their toll-free number or file a claim online. You will need to provide details about the accident and your policy information. A claims representative will guide you through the process and provide you with updates on your claim.
Does AARP Insurance Auto offer roadside assistance?
Yes, AARP Insurance Auto offers roadside assistance as an optional coverage. The roadside assistance covers services such as towing, battery jump-starts, and tire changes.
Can I cancel my AARP Insurance Auto policy?
Yes, you can cancel your AARP Insurance Auto policy at any time. However, you may have to pay a fee for canceling before the end of the policy term.
In conclusion, AARP Insurance Auto is a great option for older drivers who are looking for affordable and reliable car insurance. With its unique features and benefits, AARP Insurance Auto provides the protection and peace of mind that you need on the road.
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