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The Hartford Auto Insurance Review

  • 44444
Address: One Hartford Plaza
City: Hartford
State: CT
ZIP: 06155
Phone Number:
AM Best Rating:
Market Cap:
Year Founded: 1810

This Hartford auto insurance review uncovers a company that recently celebrated its bicentennial year. The number of insurers that can say they have been in business for 200 is few.

Back in the days when a corporation had to be approved by the General Assembly, Nathaniel Terry was elected as the company’s first president. On May 10, 1810, this company was incorporated.

You can get multiple auto insurance quotes from the Hartford and other companies with your zip code and just a click of a mouse!

The Hartford Fire Insurance Company earned the respect of the Connecticut community by the year 1825, and was selected to write the first insurance policy for an institution of higher learning. That institution was Yale University.

When the financial district of New York experience the biggest fire in its history, The Hartford’s new, standing president braved a blizzard to travel by horse drawn sleigh to New York to pay the insurance claims of its customers.

The Hartford Auto Insurance History

It is a testament for a business to survive for 200 years while providing notable customer service, but when that business is instrumental in providing top-notch service to high profile policyholders, it is exceptional. The Hartford’s reputation attracted business from presidents, generals, and businesses that strive today because of the company’s ability and financial strength.

A 200-year timeline includes The Hartford as a key insurer in some historic events as well as the insurer of monumental landmarks such as:

  • Robert E. Lee’s home, which is now part of Arlington National Cemetery
  • Casualties of the Civil War fire in Charleston, SC in 1863
  • The Great Chicago Fire of 1871 that destroyed 17,500 buildings
  • The 1906 Earthquake of San Francisco
  • “Buffalo Bill’s” property
  • “Babe Ruth” when he was traded from the Boston Red Socks to the New York Yankees
  • Bonding for construction of The Hoover Dam and Golden Gate Bridge
  • Bonding for the St. Lawrence Seaway in 1959
  • Dwight D. Eisenhower’s personal liability on the property next the Gettysburg, PA
  • The AARP contract acquisition as the home and auto insurer for its members in 1984
  • An $850 million dollar payout to victims of 9/11 in addition to charitable contributions

This carrier also holds firsts in introducing universal life, The Director Variable Annuity that is a registered security. It also introduces other variable annuity products in addition to mutual funds among its numerous security products.

The Hartford Auto Insurance Rates

Auto insurance rates are determined by industry standards in addition to the driver’s driving and credit history. The industry uses a table to establish a standard when it comes to rate quotes. Standard auto insurance rates are intended for the average driver who may have a couple of speeding tickets and a fair credit history.

A Hartford agent, whether they work directly for the company or as an independent agent, will gather information from a potential policyholder such as:

  • Gender
  • Age
  • Address
  • Make and model of vehicle
  • Other members of the household
  • Driving record
  • Credit history

You will receive an initial quote to receive on-the-spot coverage if interested. There is no obligation to accept services from The Hartford if you are not satisfied with your quote.

The Hartford Auto Insurance Territory

This Hartford expanded its services across the country starting in 1870 in San Francisco. It entered the global market in 1991 in Brazil, Japan in 2000, and the U.K. in 2005. Now it also operates in Ireland and Canada. The company’s products are also available through independent agents and brokers.

The Hartford Auto Insurance Online Account Management

Policyholders will find it easy to make payments, file claims, and manage their accounts online. Smartphone users enjoy the convenience of managing their accounts with the recently available applications. If you have an iPhone or Android, this convenience may be helpful to you.

The company website allows you to download the application to your phone. In the event of an accident, the emergency checklist allows you to exchange information with the other driver, take photos, shop for a replacement vehicle, and call for roadside assistance if you are stranded. This information is stored in one place for easy accessibility.

Others still have the option of doing business online. The company website has a link for:

  • Claim submissions
  • Windshield replacement only claims
  • Tracking your claim
  • Locating a repair shop

These options are separated for standard policyholders, AARP customers, group and Omni customers.

The Hartford Auto Insurance for Your Business

Business policyholders are extended the same personalized service as individuals with a slight difference. That difference is customized to fit your business standards and needs.

Businesses are unique in the services they provide, and The Hartford business agents are qualified to guide you in coverage for a single vehicle or fleet of vehicles. The spectrum of business add-ons, enhancements and endorsements are part of the services provided to business owners.

Your employees are protected when you choose The Hartford for group protection. Whether your company owns the vehicle or rents it, or if your employee rents a vehicle in their personal name, there is an endorsement. Even the GPS system or DVD player is covered.

Glass repairs are made with no deductible. Lease and loan gap coverage is also available so your company will not be responsible for more than the actual cash value of a totaled vehicle. If you need to replace a vehicle in your fleet, The Hartford will pay an additional 10% to allow you to upgrade to a hybrid as a way to encourage green driving.

The Hartford Auto Insurance Careers

Embarking on a career with The Hartford Insurance Group may be a smart move for new graduates or mid-career transitions. Internships are available to new graduates as well as guidance in building your career with the company. The Hartford also gives preference to the nation’s veterans.

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