The Hartford offers insurance coverage for AARP members, as well as its top-rated financial backing. It is recommended for its 12-month guaranteed premium rate and other great benefits for seniors.
The American Association Retired Persons, or AARP, is an interest group and nonprofit organization which focuses on improving the quality of life for older adults in the United States. Membership in the AARP is available to adults 50 years and older and provides a range of services, discounts, and benefits. One of those services is auto insurance, which is offered nationally by the Hartford Financial Group. The AARP Auto Insurance Program from The Hartford offers a range of coverage options and add-ons focused on senior adults.
Premium Annual cost of coverage | Varies with personal factors |
Deductible Annual deductible to be met | Depends on policy selected |
Customer service Customer responsiveness | Mostly responsive |
Customer satisfaction Satisfaction with insurance | Average, with more complaints than the median |
Policy options Auto insurance policy types | Above average options |
Additional benefits Benefits and add-ons types | Well above average benefit/add-on options |
Financial strength of insurer Claim pay ability | Top rated – A.M. Best |
Discounts Discount types | Above average range |
Payments Payments methods | Average payment options |
Digital interface Digital interface accesibility | Above average accessibility |
The AARP Auto Insurance Program from the Hartford is tailored specifically to seniors but may become less friendly with advancing age. Billing, policy details and customer service information are all online. If seniors are not comfortable with this platform, it may be difficult to manage payments or changes to the policy. Paper billing is available for an extra fee, and customer service lines are not open 24/7. However, for seniors who are comfortable online, the website offers a clear sign-up process and easily accessible information about different policies.
Advancing health conditions may make it difficult for some seniors to drive safely and, to maintain this auto insurance coverage, you must have a valid driver’s license. Seniors who complete a safe driver training course, like the one through the AARP, may earn a discount on their premium. This coverage may help with some medical costs for seniors and their passengers who are injured in an accident. The Hartford may offer reimbursement for some home services to members who are injured and need assistance in performing daily tasks, such as lawn mowing and dog walking.
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Frequently Asked Questions:
How do I pay for my policy? You can pay for your policy with a checking/savings account or credit/debit card. Payments are scheduled automatically to maintain coverage. You can set up an annual or monthly payment schedule. If a payment is late, you will be charged a fee.
How can I make changes to my policy? You can make changes to your policy either on the website or over the phone. While claims service is 24/7, customer service hours are limited.
How do I make a claim? You can make a claim 24/7 over the phone, online or through the Esurance mobile smartphone app. The website provides helpful information on how to process a claim. If you use the Esurance mobile app, it may speed up the appraisal process.
More Information:
Note: All programs, policies, and services may not be available in all states or to all drivers. Please carefully read all policy information for details and talk to a representative to see if you are eligible.
Overview: The Hartford offers auto insurance for AARP members. In addition to common insurance policies, such as Collision or Comprehensive coverage, The Hartford offers extra benefits designed with senior drivers in mind. Some of these benefits are available for an added price.
Package: The Hartford offers Standard auto insurance policies to AARP members. You can choose the coverage that meets your needs and budget. However, where it shines is in its senior-oriented benefits.
Lifetime Renewability: Meet a few basic requirements, and The Hartford will renew your insurance policy as long as you can drive.
12-month Rate Guarantee: Your premium rate is guaranteed for one year.
RecoverCare - Assistance After an Accident: If you are injured in an auto accident and need assistance at home, The Hartford may provide reimbursement for some services.
New Car Replacement Coverage: If your car is totaled within 15 months or 15,000 miles of when you bought it, The Hartford will pay to replace the new vehicle. It will be the same make, model and equipment with no deductible for depreciation.
Lifetime Car Repair Assurance: The Hartford guarantees repairs made on your vehicle at authorized repair shops for as long as own or lease the car.
24/7 Claims Hotline: You can report a claim anytime day or night.
Add-on Services: The optional Advantage PLUS Program includes the following protections:
First Accident Forgiveness: Your premium will not increase after your first accident.
Disappearing Deductible: If you do not get in an accident, your deductible will drop by $100 each year until you reach $0.
One Deductible: You only pay the highest deductible if two of your vehicles are lost.
Waiver of Deductible for a Not-at-Fault Accident: Your deductible may be waived if you are not at fault in an accident.
$100 Deductible Reduction: You can repair your vehicle at any shop, but if you choose a Hartford-authorized shop, your Collision deductible will be lowered by $100.
Contract Details:
Payment policy: If you pay your annual premium in full, there are no additional installment fees. A small installment fee is added if you set up monthly electronic payments or if you decide to receive your payment information in the mail instead of just online.
Late payment: Similar to other insurance companies, if you miss a payment, The Hartford may cancel your coverage.
Cancellation procedure: If you cancel your coverage early, you may pay a fee. Some members report paying a 10% early-cancellation fee. Contact customer service for more information on the cancellation process.
Warranty: Members who enroll in Open Road Advantage policies are automatically given the “No-Drop Promise” if coverage has been active for 60 days or more. Coverage may be affected by other conditions, such as driving under the influence of alcohol.
Accreditations: The Hartford is not accredited with the Better Business Bureau. However, the company has received an A- rating from the BBB website.
Company Details: The Hartford began in 1810 as fire insurance company with its own fire-fighting employees. The Hartford prides itself on standing by its claims during catastrophes like the Great Fire of New York, the Great Chicago Fire and San Francisco’s 1906 earthquake. The company began insuring automobiles in the early 1900s. The Hartford employs approximately 16,900 employees and aims to help people and businesses prepare for the unexpected, protect assets and prevail through challenges.
The Hartford Personal Lines
PO BOX 14219
Lexington, KY 40512
Phone: 800-423-6789
Website: https://www.thehartford.com/
7 min read
Sept. 20, 2019
