Car Insurance AARP – Protecting Your Vehicle and Wallet

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Car insurance is an essential part of owning and driving a vehicle. It provides financial protection in case of an accident or theft, and it’s required by law in most states. AARP (formerly known as the American Association of Retired Persons) offers car insurance to members who are 50 years old or older. In this article, we’ll explore AARP car insurance, its benefits and features, how it compares to other car insurance providers, and answer some frequently asked questions.

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What is AARP Car Insurance?

AARP car insurance is provided by The Hartford, a well-known insurance company that specializes in helping older adults. AARP members who purchase car insurance from The Hartford can enjoy various benefits, such as:

  • Lower rates
  • Discounts for multiple cars, safe driving, and more
  • 24/7 roadside assistance
  • New car replacement if your vehicle is totaled within the first 15 months or 15,000 miles
  • Guaranteed lifetime renewal, which means your policy won’t be canceled as long as you pay your premiums on time

The Hartford also offers other insurance products, such as homeowners, renters, and umbrella insurance.

Benefits and Features of AARP Car Insurance

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

Lower rates

AARP members can enjoy lower rates on their car insurance premiums. According to The Hartford, AARP members save an average of $404 per year on their car insurance.

Discounts

The Hartford offers various discounts that can help you save even more on your car insurance. Here are some of the discounts available:

  • Bundle discount: If you purchase more than one policy from The Hartford, such as car and homeowners insurance, you can receive a bundle discount.
  • Safe driving discount: If you maintain a clean driving record, you can receive a safe driving discount.
  • Driver training discount: If you complete a defensive driving course, you can receive a driver training discount.
  • New car discount: If your vehicle is less than 15 months old and has less than 15,000 miles, you can receive a new car discount.

24/7 roadside assistance

Your AARP car insurance policy comes with 24/7 roadside assistance, which includes services such as:

  • Towing to the nearest repair facility
  • Battery jump-start
  • Tire change
  • Lockout service
  • Fuel delivery

You can use this service up to four times per year.

New car replacement

If your vehicle is totaled within the first 15 months or 15,000 miles of ownership, The Hartford will replace your car with a new one of the same make and model. This coverage is included in your policy at no extra cost.

Guaranteed lifetime renewal

Your AARP car insurance policy won’t be canceled as long as you pay your premiums on time. This means that you can renew your policy for as long as you want, regardless of your age or health condition. This gives you peace of mind knowing that you’ll always have car insurance coverage.

How Does AARP Car Insurance Compare to Other Car Insurance Providers?

AARP car insurance is designed for older adults who want to save money on their car insurance premiums. Let’s compare AARP car insurance to some other car insurance providers:

AARP vs. GEICO

GEICO is a popular car insurance provider that offers low rates and discounts. However, it’s not specifically designed for older adults. AARP car insurance offers more benefits and features, such as 24/7 roadside assistance and new car replacement.

AARP vs. State Farm

State Farm is another well-known car insurance provider that offers discounts and various coverage options. However, it doesn’t provide the same discounts and benefits that AARP car insurance offers, such as lower rates and guaranteed lifetime renewal.

AARP vs. Allstate

Allstate is a car insurance provider that offers various coverage options and discounts. However, it doesn’t provide the same benefits and features as AARP car insurance, such as new car replacement and 24/7 roadside assistance.

FAQ

What age do you have to be to qualify for AARP car insurance?

You have to be at least 50 years old to qualify for AARP car insurance.

Is AARP car insurance only for retired people?

No, AARP car insurance is available to anyone who is 50 years old or older, regardless of whether they are retired or not.

What types of vehicles does AARP car insurance cover?

AARP car insurance covers various types of vehicles, such as cars, trucks, SUVs, and vans.

What does AARP car insurance cover?

AARP car insurance covers liability, collision, and comprehensive coverage. You can also add optional coverages, such as roadside assistance and rental car reimbursement.

How do I get a quote for AARP car insurance?

You can get a quote for AARP car insurance by visiting The Hartford’s website or calling their toll-free number.

Types of Coverage
Description
Liability Coverage
Covers bodily injury and property damage that you may cause to others in an accident.
Collision Coverage
Covers damages to your vehicle in case of an accident.
Comprehensive Coverage
Covers damages to your vehicle that are not caused by an accident, such as theft, vandalism, and natural disasters.
Roadside Assistance
Provides 24/7 assistance for flat tires, lockouts, jump-starts, and more.
Rental Car Reimbursement
Covers the cost of renting a car while your vehicle is being repaired after an accident.

Conclusion

AARP car insurance provides various benefits and features that can help you save money and protect your vehicle. Its partnership with The Hartford, a reputable insurance company that specializes in helping older adults, ensures that you’ll receive quality service and coverage. If you’re 50 years old or older, AARP car insurance might be a good option for you. Be sure to compare its rates and coverages with other car insurance providers to find the best deal for your needs.

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