AARP Insurance Car: Everything You Need to Know

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AARP is an American interest group that focuses on improving the quality of life for elderly individuals. One of the services offered by AARP is car insurance. AARP car insurance is specifically designed for drivers aged 50 and over, offering a range of features and benefits tailored to the needs of mature drivers.In this article, we will take a closer look at AARP Insurance Car, explore its benefits, and answer some of the most commonly asked questions about the coverage.

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What is AARP Car Insurance?

AARP car insurance is a type of insurance coverage that is available to AARP members who are 50 years of age or older. The coverage is provided through The Hartford, a leading provider of insurance products and services in the United States.The aim of AARP car insurance is to provide mature drivers with the coverage they need to stay protected on the road, while also offering a range of benefits and discounts that are tailored to their needs.As a result, AARP car insurance policies typically come with lower premiums, higher liability limits, and a host of other features that make it an attractive option for older drivers.

Key Benefits of AARP Car Insurance

Here are some of the key benefits that AARP car insurance offers:

Benefits:
Explanation:
Lower Premiums
As a mature driver, you are seen as having fewer claims on your policy compared to younger drivers, which means you typically pay lower premiums with AARP Insurance Car.
Higher Liability Limits
AARP car insurance policies offer higher liability limits compared to other providers, which ensures that you have adequate coverage in case you are ever involved in a major accident.
24/7 Claims Support
The Hartford, which provides coverage for AARP car insurance, has a 24/7 claims support team that can help you file a claim at any time of the day or night.
Exclusive Member Benefits
As an AARP member, you are entitled to exclusive benefits, such as discounts on car rentals, travel, and hotels, which can help you save money on your policy.
Customized Coverage
AARP car insurance policies are specifically designed for mature drivers, which means you can customize your policy according to your needs and budget.

Types of AARP Car Insurance Coverage

AARP car insurance offers a range of coverage options, including:

Liability Coverage

Liability coverage is mandatory in most states, and it covers damages that you cause to other people and their property in an accident. AARP car insurance typically offers higher liability limits compared to other providers, which ensures that you will be covered in case of an accident.

Collision Coverage

Collision coverage covers damages to your vehicle in the event of a collision with another vehicle or object. AARP car insurance provides coverage for collision damage, which means that you will be reimbursed for the cost of repairs to your vehicle.

Comprehensive Coverage

Comprehensive coverage covers damages to your vehicle that are not caused by a collision, such as theft, vandalism, or weather-related damage. AARP car insurance offers comprehensive coverage, which means that you will be covered for any non-collision related damages or losses to your vehicle.

Gap Coverage

Gap coverage provides additional protection in case your vehicle is totaled, meaning the cost of repair exceeds the value of your car. AARP car insurance offers gap coverage, which means that you will be reimbursed for the difference between the value of your car and the amount you still owe on your loan or lease.

FAQ: Frequently Asked Questions

1. Can I get a cheaper rate on my car insurance with AARP?

Yes, AARP car insurance policies typically come with lower premiums compared to other providers, especially for mature drivers. The exact rate you get will depend on a range of factors, including your driving record, the type of vehicle you own, and your location.

2. Do I have to be an AARP member to qualify for AARP car insurance?

Yes, you must be an AARP member to qualify for AARP car insurance. However, joining AARP is easy and affordable, and you can start enjoying the benefits of membership right away.

3. What discounts are available with AARP car insurance?

AARP car insurance offers a range of discounts to its members, including discounts for safe driving, multiple vehicles, and bundling policies. Additionally, as an AARP member, you are entitled to exclusive discounts on car rentals, travel, and hotels.

4. What is not covered by AARP car insurance?

There are some things that are typically not covered by AARP car insurance, including intentional damage or criminal acts, damage from normal wear and tear, and damage to non-owned or non-leased vehicles.

5. How do I file a claim with AARP car insurance?

You can file a claim with AARP car insurance by calling The Hartford’s claims hotline at 1-800-243-5860, which is available 24/7. Alternatively, you can file a claim online through The Hartford’s website.

The Bottom Line

AARP car insurance is an excellent option for mature drivers who want comprehensive coverage and exclusive benefits. With lower premiums, higher liability limits, and a host of other features, AARP car insurance is specifically designed to meet the needs of drivers aged 50 and over, ensuring that you have the protection you need to stay safe on the road.

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