AARP Auto Insurance Review (2020)
AARP is an established auto insurer that caters to retired persons. AARP offers discounts to its members, such as locked-in rates. Enter your ZIP code and receive free quotes.
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Written by
Leslie Kasperowicz
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Reviewed by
Daniel Walker
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UPDATED: May 4, 2022
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- AARP is formerly known as the American Association of Retired Persons.
- Older Americans may have difficulty in obtaining or renewing auto insurance
- According to the conditions outlined with AARP, older drivers with AARP membership privileges may have access to auto insurance throughout a healthy lifespan
This AARP auto insurance review explores the insurance programs offered to members of the Washington, DC-based AARP, formerly known as the American Association of Retired Persons. AARP membership affords access to the AARP® Auto Insurance Program.
If you’ve purchased AARP® Auto Insurance for at least a year, you owe it to yourself to compare your AARP auto insurance rates with those of other auto insurance providers.
Older Americans may have difficulty in obtaining or renewing auto insurance. One of the most important benefits offered by AARP auto insurance is Lifetime Renewability.
That is, according to conditions outlined by the AARP, older drivers with AARP membership privileges may have access to auto insurance throughout a healthy lifespan.
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Table of Contents
AARP Auto Insurance Program
https://www.youtube.com/watch?v=NnChEfrf5yY
AARP maintains partner relationships with Hartford, Connecticut-headquartered The Hartford Fire Insurance Company and affiliated companies of The Hartford.
Though the auto insurance program is branded as an AARP benefit, the association doesn’t underwrite auto insurance policies for its members.
In the state of Texas, Southern County Mutual Insurance Company, via Hartford Fire General Agency, underwrites AARP auto insurance policies. The Hartford doesn’t provide financial backing for Southern County Mutual Insurance Agency.
The AARP Auto Insurance Program is closed to members living in Massachusetts, the U.S. Territories and Possessions, and Canada.
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AARP Membership
AARP membership is available to those aged 50 and above. The AARP has approximately 40 million existing members. The AARP has definite political and lobbying strength.
The association strives to help older Americans maintain important lifestyle privileges, such as the ability to drive a car. AARP members receive the AARP Bulletin, published each month, along with AARP The Magazine, published twice per month.
AARP offers a variety of discounts on products and services to members. As the baby boomers enter their elder years, AARP’s agenda includes a campaign focused on Americans turning age 65 in 2011.
Auto insurance and the ability to drive safely is just one of the many ways AARP fights for the rights of senior Americans. AARP maintains other insurance partnerships with UnitedHealth Group, New York Life Insurance, and Aetna.
AARP Features
According to the AARP Financial website, AARP Auto offers a variety of additional benefits to policyholders.
The Hartford waives auto insurance premium increases relating to a car accident when the driver or any named drivers on the policy are accident and violation-free for at least five years.
Auto insurance rates are locked in for at least a 12-month policy period, according to The Hartford. That’s six months longer than most auto insurance contracts.
AARP Customer Service
AARP Auto Insurance customers receive 24 hour/7 days a week access to customer service and car insurance claims assistance, according to the company website.
To reach customer service or claims help, call 1-888-OUR-AARP any time. Contact AARP headquarters at 601 E Street NW, Washington, DC 20049. Telephone AARP at 1-202-434-7700, or toll-free at 1-888-687-2277.
To request an AARP auto insurance quote, contact The Hartford at 1-888-489-8631.
Reach The Hartford Financial Services Group, Inc. at One Hartford Plaza, Hartford, Connecticut 06155, or telephone the company’s corporate headquarters, at 860-547-5000.
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AARP and The Hartford
The Hartford Financial Services Group owns The Hartford’s property & casualty operations. The company offers insurance for autos, homes, and businesses.
As one of the oldest insurance companies in the United States (founded in 1810), The Hartford distributes insurance products through more than 100,000 broker-dealers and an independent insurance network of more than 11,000 insurance agents and brokers.
Partnering with the AARP is a sound and effective business development strategy for The Hartford. As new members join AARP, they have immediate access to insurance programs for auto, home, and business through The Hartford.
In the midst of the global financial downturn in 2008, German insurer Allianz invested approximately $2.5 billion in the company. The capital infusion made by Allianz helped The Hartford avoid a credit downgrade by Standard & Poor’s and A.M. Best.
The Hartford held investments of companies such as:
- Lehman Brothers
- Freddie Mac
- Fannie Mae
The investments of these companies declined in value, and Lehman Brothers’ securities were eventually worthless when the company went out of business.
The U.S. Treasury and the Troubled Asset Relief Program (TARP) helped insurance companies like The Hartford ride out the financial crisis.
The Hartford borrowed approximately $3.4 billion from TARP. In 2010, The Hartford repaid the TARP loan and generated enough revenues to add $21.7 million to shareholder dividend payments.
In order to qualify for federal funds prior to the availability of TARP via the Treasury Capital Purchase Program, The Hartford acquired a bank. In 2009, the company bought Federal Trust Corporation for about $10 million.
The Hartford has withdrawn from its international property & casualty business. Prior to 2007, the company sold a mutual fund firm in Canada and an annuity business in Japan.
In 2011, The Hartford sold its Specialty Risk Services business to Sedgwick Claims Services for approximately $278 million. SRS previously acted as an administration arm for clients of The Hartford.
The Hartford was ranked #117 in the most recent Fortune 500. The company reports total assets of about $318.35 billion and a market value of $12.28 billion.
The company reported $22.38 billion in sales in 2010, and a negative 9.38 percent sales growth during the 2010 fiscal year. The company is considered a low-risk vendor, according to Dun & Bradstreet.
AARP and Southern Mutual Insurance Company
AARP Auto Insurance Program offers auto insurance policies to Texas customers through Southern Mutual Insurance Company. Founded in Georgia in 1847, the company maintains an “A” (Excellent) A.M. Best rating.
AARP Auto insurance customers receive 24-hour customer service and claim filing access by calling 1-800-226-1919. Contact the company at 360 Alps Road, Athens, Georgia 30606, or contact the company’s headquarters at 1-706-549-7855 for more information.
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Review
Southern Mutual Insurance Company (Southern County Mutual Insurance Company) is, without a doubt, the WORST insurance company I’ve ever dealt with.
When my elderly father’s truck was stolen, he was heartbroken. Their behavior in handling this claim has been reprehensible. The vehicle was severely under-valued, and they demanded proof of every non-base option on the vehicle. My parents didn’t save the window sticker for 5 years…
Also, you would think that they would have that information since they WROTE the POLICY. Enter the internet & a tech-savvy child. I was able to produce a manufacturer’s build sheet & my own comps. That build sheet was obtained from a site that does VIN specific searches for *insurance companies*. The adjuster completely ignored this information and made them an offer for $500 more than base. (at this point, they were about $7500 low).
Adjuster tried to tell my mother that the build sheet wasn’t VIN specific. I ran the same search on one of their comp vehicles and sent both to her, with the relevant sections highlighted. I also talked to someone in the Ford Archives and got a dealer’s tag reissued. I talked to the company who installed a bed liner and cap and produced that invoice as well.
I asked that they re-run the comps with the proper data and they refused. Basically, every ridiculous thing they wanted documented, I’ve documented. And they just keep adding hurdles… It’s in the hands of our lawyers now, for no good reason. We were never trying to get more than a fair value for the loss…
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Review
I was wondering if I could get my ins reactivated me and my wife were out of town at the time of payment. I thought it was the 3rd of July instead of 3 of June my mistake sorry. I really need ins. thank you and let me know, please.
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