AARP The Hartford Auto Insurance: Coverage, Cost, and Benefits

When it comes to affordable and reliable auto insurance, AARP The Hartford is a top choice for many drivers. This insurance provider offers a wide range of coverage options to meet the needs of drivers of all ages and backgrounds. In this article, we will dive into the details of AARP The Hartford auto insurance, including its coverage, cost, benefits, and more.

What is AARP The Hartford Auto Insurance?

AARP The Hartford auto insurance is a partnership between AARP and The Hartford, a well-known insurance company. This partnership is designed to provide affordable and reliable auto insurance to AARP members, who are usually drivers over the age of 50. However, even if you’re not an AARP member, you can still get a quote and purchase insurance from The Hartford.

The Hartford has been in the insurance business for over 200 years, and it’s one of the largest providers of home and auto insurance in the United States. The company has an A+ rating from the Better Business Bureau and an A rating from A.M. Best, which means it has a strong financial rating and a good reputation in the industry.

Coverage Options

One of the biggest advantages of AARP The Hartford auto insurance is its wide range of coverage options. Here’s a breakdown of the coverage options available:

Bodily Injury Liability

This type of coverage pays for medical expenses, lost wages, and other damages if you cause an accident that injures another person. The minimum requirement for bodily injury liability coverage varies by state, so be sure to check your local laws.

Property Damage Liability

Property damage liability covers the cost of damages to someone else’s property that you caused with your vehicle. This can include damage to their car, fence, or other property. Like bodily injury liability, the minimum requirements for property damage liability vary by state.

Collision Coverage

Collision coverage pays for damages to your own vehicle if you are in an accident, regardless of who caused the accident. This coverage is optional, but it can provide peace of mind if you have a newer or more expensive car.

Comprehensive Coverage

Comprehensive coverage pays for damages to your vehicle that are caused by non-collision events, such as theft, vandalism, or natural disasters. Like collision coverage, comprehensive coverage is optional but can provide added protection for your vehicle.

Uninsured/Underinsured Motorist Coverage

This type of coverage provides protection if you are in an accident with a driver who does not have insurance (uninsured) or does not have enough insurance to cover the damages (underinsured). Uninsured/underinsured motorist coverage is required by law in some states, while in others it is optional.

In addition to these basic coverage options, AARP The Hartford offers several other optional coverages, such as:

• Rental car coverage
• Towing and labor coverage
• Pet injury coverage
• Personal injury protection (PIP)

Cost and Discounts

When it comes to the cost of auto insurance, there are many factors that can affect your premium. Some of these factors include:

• Your age and driving experience
• The type of car you drive
• Your location and driving record
• The coverage options you choose

Overall, AARP The Hartford offers competitive rates for auto insurance, especially for AARP members. In addition, the company offers several discounts that can help you save money on your premium. Some of these discounts include:

• Multi-policy discount
• Multi-car discount
• Safe driver discount
• Driver training discount
• Good student discount

Benefits of AARP The Hartford Auto Insurance

There are several benefits to choosing AARP The Hartford for your auto insurance needs. Here are a few:

Dedicated Claims Service

If you need to file a claim, AARP The Hartford has a team of dedicated claims representatives who are available 24/7 to assist you. The company also offers a lifetime repair guarantee for any repairs made at one of their authorized repair shops.

No-Drop Promise

AARP The Hartford promises not to drop you as a customer just because of your age, even if you have a few accidents or violations on your record. This can provide peace of mind for older drivers who may have trouble finding affordable insurance elsewhere.

First-Accident Forgiveness

If you have a clean driving record and are a new customer with AARP The Hartford, you may be eligible for first-accident forgiveness. This means that your premium won’t go up if you get into an accident, as long as it’s your first one with the company.

FAQs

Q: Do I have to be an AARP member to get insurance from The Hartford?

A: No, you do not have to be an AARP member to get a quote or purchase insurance from The Hartford. However, AARP members may be eligible for additional discounts.

Q: How do I file a claim with AARP The Hartford?

A: To file a claim, you can call the company’s claims hotline at 1-800-243-5860 or visit their website and file a claim online.

Q: Does AARP The Hartford offer roadside assistance?

A: Yes, the company offers roadside assistance as an optional add-on to your policy. This can include services like towing, flat tire changes, and lockout assistance.

Q: How can I get a quote for AARP The Hartford auto insurance?

A: You can get a quote by visiting the company’s website or calling their toll-free number at 1-888-674-4891. You will need to provide some basic information about yourself and your vehicle to get a quote.

Q: How can I pay my AARP The Hartford auto insurance bill?

A: You can pay your bill online, by phone, or by mail. The company accepts several payment methods, including credit cards, debit cards, and electronic funds transfer (EFT).

Final Thoughts

Overall, AARP The Hartford auto insurance is a solid choice for drivers of all ages who want affordable and reliable coverage. With a wide variety of coverage options, competitive rates, and several benefits and discounts, this insurance provider is definitely worth considering for your auto insurance needs.