We earn commissions from brands listed on this site, which influences how listings are presented.

Advertising Disclosure

AARP from The Hartford Car Insurance Review 2024

Visit Site

AARP from The Hartford

Visit Site

Nadav Shemer

Sep. 26, 2024

3 min read

AARP from The Hartford Summary

AARP offers a wide range of coverage options specifically designed for AARP members aged 50 and over. This program stands out for its comprehensive coverage, exceptional customer service, and additional benefits such as lifetime renewability and RecoverCare. With competitive rates and exclusive perks, The Hartford's AARP Auto Insurance Program is a top choice for older adults seeking personalized coverage.

Pros

Exclusive discounts for AARP members.
Lifetime car repair assurance and lifetime renewability.
24/7 claims service and customer support.

Cons

Only available to AARP members.
Coverage options may vary by state.

AARP from The Hartford at a glance

Editorial score

Insurance Features

Offers comprehensive coverage, including liability, collision, accident forgiveness, and roadside assistance

8.0

Discounts Available

Provides a wide range of discounts, including safe driving, bundling, and AARP member savings

10.0

Customer Service

Strong reputation for high customer satisfaction and 24/7 claims support

9.0

Online Experience

Easy-to-use online portal for policy management, quotes, and claims submission

8.0

Direct Insurer?

Yes, The Hartford operates as a direct insurer through the AARP program

10.0

AARP from The Hartford Visit Site

Types of Auto Insurance Offered by AARP

AARP provides the standard range of car insurance coverages with some unique add-ons:

Liability Coverage: Covers expenses for bodily injury and property damage if you are at fault in an accident.
Collision Coverage: Pays for damage to your car if it collides with another vehicle or object, regardless of fault.
Comprehensive Coverage: Protects your vehicle from non-collision incidents like theft, vandalism, or weather-related damage.
Uninsured/Underinsured Motorist Coverage: Covers medical expenses and vehicle repairs if a driver hits you without adequate insurance.
Personal Injury Protection (PIP): Covers medical expenses and lost wages for you and your passengers, no matter who is at fault.
RecoverCare: Provides reimbursement for necessary household services if you are injured in a car accident and unable to perform them yourself.

Additional Features

The AARP Auto Insurance Program from The Hartford offers several standout features:

Lifetime Renewability: As long as you meet basic requirements, your policy cannot be canceled regardless of age or driving record.
Accident Forgiveness: If you’ve been accident-free for five years, your first accident won’t result in a premium increase.
New Car Replacement Coverage: If your car is totaled in the first 15 months or 15,000 miles, The Hartford will replace it with a new one of the same make and model.
24/7 Roadside Assistance: This is an optional coverage that provides emergency roadside help, such as towing, flat tires, or lockout assistance.

How to Apply

Applying for AARP Auto Insurance through The Hartford is straightforward:

Eligibility Check: You must be an AARP member to apply.
Get a Quote: Visit the AARP website or The Hartford’s portal to enter your vehicle and personal details for a customized quote.
Choose Coverage: Select from various coverage options and tailor your policy to meet your needs.
Submit Application: Complete the application process online, by phone, or through a local agent.
Activate Policy: Once approved, your coverage is activated immediately, and proof of insurance is available via the mobile app or website.

Filing a Claim

The Hartford provides an efficient claims process through its 24/7 support system:

Report the Incident: File a claim through the mobile app, website, or by phone.
Submit Documentation: Upload photos, police reports, and any other supporting documents.
Review and Resolution: The claims adjuster will review your claim and provide a settlement. Claims can often be tracked online or through the mobile app.

Help & Support

Phone Support: 24/7 customer support and claims assistance.
Mobile App: Manage your policy, file claims, and access your ID cards via the app.
FAQ Section: The Hartford website offers detailed FAQs for common questions related to coverage, billing, and claims.

FAQs

Who is eligible for the AARP Auto Insurance Program?
- This program is available to AARP members, typically aged 50 and older.
Does The Hartford offer accident forgiveness?
- Yes, after five years of accident-free driving, your first accident will not result in a premium increase.
What is RecoverCare?
- RecoverCare reimburses you for household services if you are injured in an accident and unable to perform them.
What is the TrueLane Program?
- TrueLane is a usage-based insurance program that tracks your driving habits through a mobile app and rewards safe driving with discounts of up to 25%.
Is roadside assistance available?
- Yes, optional 24/7 roadside assistance is available.
Can I bundle my auto insurance with other policies?
- Yes, The Hartford offers discounts when you bundle your auto insurance with home or renters insurance.
What is Accident Forgiveness?
- Accident Forgiveness ensures that your premium won’t increase after your first accident if you’ve been accident-free for five consecutive years.
Does The Hartford cover new car replacement?
- Yes, if your car is totaled in the first 15 months or 15,000 miles, The Hartford will replace it with a new car of the same make and model.
Is there a mileage limit for coverage?
- There is no specific mileage limit, but The Hartford may offer discounts for drivers who maintain low annual mileage.

Summary

The AARP Auto Insurance Program by The Hartford is an excellent option for AARP members seeking affordable, comprehensive car insurance tailored to their needs. With perks like accident forgiveness, lifetime renewability, and exclusive discounts for AARP members, this program provides peace of mind for older drivers. While its availability is limited to AARP members, the range of coverage options and additional benefits make it a top contender for those eligible.

Methodology

This review was created using information from AARP Auto Insurance Program official website, third-party reviews, and customer service calls to ensure accuracy in coverage details and user experience. AI was used to generate this content, along with human verification.

Written by

Nadav Shemer

Nadav Shemer specializes in business, tech, and energy, with a background in financial journalism, hi-tech and startups. He enjoys writing about the latest innovations in financial services and products. He writes for BestMoney and enjoys helping readers make sense of the options on the market.‎

Top Car Insurance