Ease Of Use And Policy Customization
The website is easy to use and includes all the relevant information for both existing and potential policyholders. It also has an FAQ section and auto insurance definitions to help explain car insurance easily.
The company offers a mobile app through which you can manage your policies, pay bills, view insurance ID cards, submit and track claims, and request roadside assistance. You can find an agent or a repair shop near you using the app.
AARP vehicle insurance offers towing service if your car breaks down, and if your car has to stay in the shop for longer, the company also reimburse you for rental cars. The limit for each day depends on the coverage you have.
Aarp Auto Insurance Quotes: How Much Does It Cost
MoneyGeek calculated the affordability scores of AARP Auto based on J.D. Powers survey data. Our analysis determined that AARP Auto is expensive compared to other insurance companies.
Get a personalized quote from AARP Auto to see how much a policy will cost for you. Bear in mind that unless youre only shopping for the cheapest car insurance available, price shouldnt be the only factor influencing your decision. Examine other aspects such as customer satisfaction and complaint ratios before deciding which policy suits your needs best.
Progressive: Best For High
Progressive is another reputable auto insurance provider that we highly recommend for high-risk drivers in particular. Progressive is a tech-focused insurance provider, and it even offers discounts to motorists who sign their policies online. There are also several other perks like discounts for insuring multiple cars and a discount for bundling home and auto insurance.
Find out why we think the provider is the best option for high-risk drivers in our Progressive auto insurance review.
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The Hartford Insurance Ratings
With over 200 years of experience, The Hartford has a history of strong financial stability.
The Hartford ranks well above average in both J.D. Powers 2020 U.S. Auto Claims Satisfaction Study and the 2020 U.S. Property Claims Satisfaction Study.
The National Association of Insurance Commissioners reports a below-average number of complaints for its auto policies. However, the NAIC received double-the-average number of complaints about its homeowners policies. The two highest complaint categories were claim handling and underwriting.
Auto Insurance Buying Guide
Before you compare car insurance companies, youll need to collect some basic information. This includes the driving history of everyone who will be on the policy, as well as facts about your car, such as safety features and annual mileage driven. Youll also want to determine which types of coverage you need. For example, do you want only the bare minimum insurance that your state requires, or do you need more extensive coverage, such as gap insurance or rideshare coverage? Check that each company youre considering has the options you want.
When comparing rates among insurers, make sure each is offering the same coverage limits and deductibles. You may not want to make your decision based on price alone. Look at how many consumer complaints each company has, as a high number of complaints could be a red flag about the quality of service you’ll receive.
Depending on which company you choose, you may be able to buy insurance online, over the phone or through an agent. For more guidance, see how to get car insurance.
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Other Aarp Perks Worth Considering
AARP is known for its perks, of which insurance is just one. Some other benefits of being an AARP member include:
- Discounts: AARP members get access to exclusive member discounts on travel planning, hotels, car rentals, flights, cruises, health and wellness programs, and more.
- Wellness tools: AARP caters to members age 50 and older, and that population comes with distinct health considerations. AARP provides tools designed to help retired persons live their happiest and healthiest lives.
- Health programs: With an AARP membership, you may have access to dental and vision insurance, as well as hearing loss support.
- Job postings: You dont have to be retired to join AARP. In fact, the community has a thriving job board that might help you find your next career move.
- Free online games: Although not the most weighty benefit, AARP offers a selection of free online games. Boredom may occur during retirement years, and these games could help combat that.
Aarp Auto Insurance Review: Quotes And Service
AARP Auto, which offers insurance through its parent company, The Hartford, scored 55 out of 100 on MoneyGeeks scoring methodology, making it a below-average auto insurer. While it received an excellent rating in financial stability, the insurer was lackluster in satisfaction, affordability, complaints and discounts. AARP Autos policies are expensive when compared to other insurance companies however, it does offer unique add-ons and discounts.
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Ensure you’re getting the best rate for your auto insurance. Compare quotes from the top insurance companies.
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Verdict
AARP Auto has a decent customer service reputation, with MoneyGeek rating both its customer satisfaction and customer complaints as average. It does not score well on affordability or discounts. AARP Auto offers car insurance policies that are expensive compared to other insurance firms.
To learn more about AARP Auto and other insurers, MoneyGeek has resources on the cheapest and best car insurance companies that you can visit. You can also use our tool to compare AARP Autos performance with the competition.
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How The Hartford Compares To Other Auto Insurance Companies
Buying car insurance requires a lot of thought and consideration. After all, you have to make sure you’re purchasing enough coverage to protect you financially in any number of situations. However, you also have to make sure your auto insurance premiums are affordable and in line with market rates.
With that in mind, we compared the median annual premiums for dozens of auto insurance companies that offer policies within the United States, including The Hartford.
Ultimately, median annual premiums for car insurance from The Hartford worked out to $1,550, which is on the lower end of the spectrum. In fact, most other top providers we profiled featured higher median annual premiums, including Allstate , Farmers , Amica , and more.
Of course, some of the major auto insurance companies we profiled also featured much lower median annual premiums, including Erie Insurance , Country Insurance , and State Farm .
The Hartford is unique among car insurance companies because they only offer coverage to AARP members. This means its client base includes drivers ages 50 and older exclusively and that you’ll have to consider another insurance company if you’re too young to qualify.
Is The Hartford A Good Homeowners Insurance Company
The Hartford has consistently been one of the highest rated insurance companies in the industry, offering customers a wide range of coverage options. We offer AARP members home insurance, condo insurance and renters insurance. For the last 200 years, The Hartford has continued to grow in size and coverage options.
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How To Buy It
AARP members can buy AARP/The Hartford homeowners and auto insurance online, over the phone , or through the mail. Residents of Arizona, Illinois, Tennessee, and Minnesota can also buy policies through authorized Hartford insurance agents. By the end of 2009, agents will also sell the policies in 16 other states.
More on MoneyWatch:
The Hartford Auto Insurance Discounts
- Up to 10% in savings for AARP members
- Safety feature discounts: You can save if your car has anti-lock brakes or other safety features
- Vehicle fuel type discount: Youll get extra savings if you drive a hybrid or electric vehicle
- Defensive driver course: If you complete a defensive driver training course, you can get a discount on your policy for the three years that follow
- Multi-policy discount: If you bundle your auto insurance with another policy from The Hartford, youll save 5% on your car insurance and up to 20% on your home, condo, or renters insurance
- Payment discount: If you pay your annual premium in full instead of making monthly payments, youll receive a discount on the overall cost of your policy
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The Hartford Life Insurance
The Hartford only offers group life insurance plans to businesses. Individuals cant get a quote or apply for life insurance from The Hartford. Those seeking life insurance, however, will need to search elsewhere. This means theyll miss out on the bundling discounts offered by some other major insurers that offer auto, home, and life.
Youre Our First Priorityevery Time
We believe everyone should be able to make financial decisions with confidence. And while our site doesnt feature every company or financial product available on the market, were proud that the guidance we offer, the information we provide and the tools we create are objective, independent, straightforward and free.
So how do we make money? Our partners compensate us. This may influence which products we review and write about , but it in no way affects our recommendations or advice, which are grounded in thousands of hours of research. Our partners cannot pay us to guarantee favorable reviews of their products or services.Here is a list of our partners.
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The Hartford Auto Insurance Coverage
When youre shopping for car insurance, its important to understand what car insurance coverage you want and what youre required to buy. Most states require car insurance in order to drive a vehicle. Although minimum coverage requirements vary from state to state, they generally include liability insurance and uninsured or underinsured motorist coverage.
If you want extra protection, you may be interested in full coverage insurance. Full coverage isnt a specific policy type it’s a combination of coverage types, like liability, collision and comprehensive insurance.
Check out the most common types of car insurance coverage below to see how they work:
|
Coverage type |
||
|---|---|---|
|
Bodily injury and property damage liability |
Costs for injuries, deaths or property damage from an accident you caused. |
Typically required. |
|
Uninsured or underinsured motorist coverage |
Medical and property damage costs after an accident with a driver who has insufficient insurance or none at all. |
Often required. |
|
Repair expenses from traffic-related accidents, regardless of who’s at fault. |
A car loan or lease may require it. |
|
|
Comprehensive coverage |
Repair costs from events outside of your control, including weather events, hitting an animal while driving, theft and vandalism. |
A car loan or lease may require it. |
AARP offers auto insurance to its members through a partnership with The Hartford.
AARP auto insurance policies from The Hartford automatically include:
See what you could save on car insurance
Does Aarp Offer Broad Or Unique Coverage
The Hartford, the parent company of AARP Auto, offers standard coverages such as liability insurance, comprehensive and collision insurance. It also provides AARP Auto customers the option to purchase some of the most common add-on coverages. You can get roadside assistance, rental car and travel reimbursement, accident forgiveness, gap insurance and deductible modification coverages through The Hartford. The only common add-ons it doesnt offer are new car and better car replacement coverages.
In terms of unique add-on coverages, The Hartford offers full glass coverage. Rarely offered by other insurers, full glass coverage can help pay for your cars headlights, mirrors and window repairs with no deductible.
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Customer Satisfaction And Reviews
The AARP auto insurance rating for overall customer satisfaction is about average.
The company received more than the expected number of complaints to the state regulators. It still boasts a good rating with BBB for overall customer experience.
AARP insurance received average ratings for claim satisfaction, which is better than most of its competitors.
The financial stability of the company has an A with both S& P and AM Best. It has an excellent rating at BBB.
The company received average ratings with Trustpilot and ConsumerAffairs, but these ratings are still higher than the ratings received by many other auto insurance companies.
Platform
How Does Aarp Rank For Customer Service
Insurance companies like AARP Auto Insurance/The Hartford are rated by outlets such as J.D. Power, AM Best and the National Association of Insurance Commissioners . Each company focuses on different parts of the insurance business, including customer satisfaction, different experiences by agents or consumers and financial strength. AARP Auto Insurance ranks as average in most categories but higher in financial strength than competitors do. When choosing an insurance company, you should weigh their ratings and compare the auto quotes you receive to determine what factors are most important to you before you make a decision.
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Compare Aarp Directly With Other Car Insurance Companies
MoneyGeek has the resources that can help you compare AARP Auto to other insurers in your state. Our comparison tool will help you determine how AARP Auto performs in terms of customer services, cost and standout coverages. Our tool will also direct you to other resources that can provide additional help in comparing insurance providers.
Usaa: Best For Military
USAA car insurance falls right in line with The Hartfords discounted AARP member rates. However, the provider is only available to military service personnel, veterans, and their families. If you qualify, youll likely receive affordable rates and some of the highest-quality coverage in the insurance industry.
To find out what types of coverage you can get with USAA, read our in-depth USAA auto insurance review.
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More About The Hartford Insurance
Website: You can get a quote, pay your premium, access auto ID cards, manage policies, and file and track claims on The Hartfords website. It also has basic information about coverage options and discounts.
Mobile app: You can log in to the app and pay bills, track claims, view your policy, see your electronic auto ID card and more. You can also summon roadside assistance, locate a repair shop or agent and start a claim.
The Hartford Pros And Cons
The Hartfords auto insurance provides benefits like roadside assistance and RecoverCare, which is an admirable effort to look after the insured while recovering from an accident, says Seth Lytton, chief operating officer at automotive site The Detroit Bureau. This can include help paying for lawn care, house cleaning, transport costs, and dog walking, he explained.
The Hartfords online tool makes it convenient for homeowners to get their estimated premium, and auto customers can get a quote online as well, notes Orefice. But, applicants looking for more flexibility in terms of the scope of coverage may need to speak with a customer service representative, he said.
Theres an attractive multi-policy discount for bundling your auto insurance with your home, condo, or renters policy. However, The Hartford only offers individual auto and home insurance policies to AARP members over age 50. People looking to bundle with life insurance will be better served by another company.
The Hartford promotes discounts for seniors, however, overall average rates for The Hartford policies were higher than the average premiums of competing insurance providers. If youre not eligible for The Hartfords discounts, you might find a better price elsewhere.
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How Good Is Hartford Auto And Home Insurance
The Hartford Insurance Ratings The Hartford ranks well above average in both J.D. Power’s 2020 U.S.Auto Claims Satisfaction Study and the 2020 U.S. Property Claims Satisfaction Study. The National Association of Insurance Commissioners reports a below-average number of complaints for its auto policies.
Is Aarp United Healthcare Good
Yes, AARP/UnitedHealthcare Medicare Advantage plans provide good coverage and have an average overall rating of 4.2 stars. The company stands out for cheap PPO plans that cost $15 per month on average. The downside is overall customer satisfaction trails behind other companies such as Humana and Anthem.
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Does Aarp Car Insurance Offer New Car Replacement
You can add new car replacement insurance to AARP car insurance for an added fee. If your car is totaled in an accident covered by your policy, new car replacement insurance will reimburse you for the cost of a new vehicle, similar to the make and model of your old one. Unlike a standard collision or comprehensive insurance policy, new car replacement coverage provides a payout that does not include a deduction for depreciation.
Complaints About Aarp Auto Insurance
AARP car insurance is administered through The Hartford, which owns Trumbull Insurance Co. and other subsidiaries. Trumbull Insurance Co. has a slightly higher level of auto insurance complaints filed with state insurance departments than the industry average, according to the National Association of Insurance Commissioners.
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The Hartford Auto Insurance
The Hartford offers appealing car insurance options for seniors and AARP members. In 2019 The Hartford reported an average savings of $449 in premiums for those that switched to the AARP. Auto Insurance program with The Hartford. The companys biggest draw for its 50-plus population is its RecoverCare Essential Services coverage which reimburses policyholders up to $2,500 in household services if in need of assistance after an injury.
Aarp Car Insurance Pricing Review
The average national representative rate of AARP car insurance is $1,332, making it among the most expensive auto insurances available. Of course, the total amount depends on various factors, including your age, driving record, and more.
The average AARP car insurance cost for:
The average insurance rate for drivers as per the credit score is as follows:
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