AARP Auto Insurance Program from The Hartford Review (2024)

What You Should Know About AARP Auto Insurance Program from The Hartford

AARP membership is available to those aged 50 and above. AARP offers a variety of discounts on products and services to members including providing auto insurance for seniors.

The AARP has approximately 40 million existing members and maintains other insurance partnerships with UnitedHealth Group, New York Life Insurance, and Aetna.

Auto insurance and the ability to drive safely are just one of the many ways AARP fights for the rights of senior Americans. The association strives to help older Americans maintain important lifestyle privileges, such as the ability to purchase, drive, and insure a car.

AARP Membership

AARP membership is available to those aged 50 and above. The AARP has approximately 40 million existing members.

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 auto insurance discounts on products and services to members. Auto insurance and the ability to drive safely are just some of the many ways AARP fights for the rights of senior Americans.

AARP Customer Service

AARP Insurance Company customers receive 24-hour/7 days a week access to customer service and assistance filing an auto insurance claim. You can contact AARP customer service online, over the phone, and through its mailing address.

To reach AARP auto insurance customer service, 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.

AARP car insurance customer service reviews are very positive, with users enjoying their membership benefits and insurance discounts. Hartford car insurance reviews are also positive, and the company has far fewer customer complaints than other national providers, according to the NAIC.

To request an AARP car 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.

AARP Insurance Claims

AARP car insurance reviews regarding claims are a mixed bag. The company is generally regarded as fair and reasonable, with commendable repair facilities. But there are consistent complaints about long processing times. Some customers wait an average of 30 days for their cars to be ready.

To navigate the AARP auto insurance claims process more efficiently, consider these tips

• Gather all necessary information. Having your policy number, contact information, and incident details ready can streamline the initial reporting.
• Call the AARP car insurance phone number. Call the AARP auto insurance claims phone number at 1-800-243-5860 to directly reach their claims department for immediate assistance and guidance.
• Follow up on your claim’s progress. Regularly contacting the insurer and repair facility can help expedite the process and ensure transparency regarding timelines and expectations.

While AARP and The Hartford offer excellent repair facilities and are generally viewed as fair in their assessments, the long processing times are a notable downside.

Further, most customer reviews vary by state. For instance, drivers with AARP car insurance in California had the most positive reviews. Employing these tips can aid in expediting your AARP car insurance claims and minimizing inconvenience no matter where you live.

AARP Car Buying Program

Does AARP have a car buying program? Yes, retired persons can buy new and used vehicles at a discount price through AARP. The program is available to both members and non-members, but you will save an extra $100 on average with an AARP membership.

Members also get a free AARP Smart Driver Course for making a purchase through the Auto Buying Program. Completing the course can save you money on auto insurance with a defensive driving discount.

Seniors can connect with local car dealerships to browse inventory, take test drives, and buy a car with the safety features drivers need as they get older. According to AARP auto buying program reviews, members save an average of $1,850 on a new vehicle.

AARP Auto Insurance Program from The Hartford Insurance Coverage Options

AARP maintains partner relationships with Hartford, Connecticut-headquartered The Hartford Fire Insurance Company and affiliated companies of The Hartford. As new members join AARP, they have immediate access to insurance programs for auto, home, and business through The Hartford.

Check out our The Hartford auto insurance review for more information.

Though The Hartford AARP auto insurance program is branded as an AARP benefit, the association doesn’t underwrite auto insurance policies for its members. The Hartford underwrites AARP automobile insurance in most states, while the Southern County Mutual Insurance Company covers Texas auto insurance.

AARP Insurance and The Hartford

The Hartford Financial Services Group owns The Hartford’s property & casualty operations. The company offers insurance for autos, homes, and businesses.

The Hartford offers accident forgiveness and 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.

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.

Prior to 2007, the company sold a mutual fund firm in Canada and an annuity business in Japan, but The Hartford has since withdrawn from its international business and only offers coverage in the United States.

The U.S. Treasury and the Troubled Asset Relief Program (TARP) helped insurance companies like The Hartford ride out the financial crisis. of 2008 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. 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 for Texas auto insurance through Southern Mutual Insurance Company. Founded in Georgia in 1847, the company maintains an “A” (Excellent) A.M. Best rating.

The Hartford doesn’t provide financial backing for Southern County Mutual Insurance Co. Since 2021, Geico has been underwriting those policies in Texas. So if you buy AARP auto insurance in Austin or Dallas, it will not be through The Hartford program and will likely have different costs and coverage options Read more in our Geico auto insurance review.

Texas customers receive 24-hour customer service and claim filing access by calling the AARP insurance phone number at 1-800-226-1919. Contact the company at 360 Alps Road, Athens, Georgia 30606, or reach out to its corporate headquarters at 1-706-549-7855 for more information.

AARP Auto Insurance Program from The Hartford Insurance Rates Breakdown

Senior car insurance rates from AARP through The Hartford can vary based on several factors. One of the major factors that affect auto insurance rates is the likelihood of accidents or AARP auto claims.

Other reasons seniors pay more for car insurance include:

• Age: As drivers get older, there may be changes in reaction times, vision, or overall physical capabilities that can impact driving ability.
• Mileage: AARP car insurance plans also consider driving frequency and mileage. For example, seniors who drive more frequently or for longer distances may face higher insurance costs. Fortunately, AARP members can get a low-mileage insurance discount with The Hartford.
• Vehicle: Another factor influencing the AARP car insurance cost for seniors is the type of vehicle insured. Luxury or high-performance cars typically come with higher insurance premiums due to their expensive repair or replacement costs.
• Location: Auto insurance rates vary by state and city. For instance, AARP car insurance in Sacramento is likely cheaper than in Los Angeles or San Francisco, so always get quotes from local companies for the most accurate rates.

Getting AARP auto insurance quotes online will often find you better rates, especially when compared to other insurers in your area. Further, when you compare auto insurance quotes, AARP may also offer different discounts based on where you live.

AARP Auto Insurance Program from The Hartford Discounts Available

The Hartford provides discounts specifically tailored to seniors, such as safe driver discounts, defensive driver course discounts, and exclusive AARP membership discounts. Homeowners can also earn bundled coverage discounts for combining auto and home insurance policies.

Policyholders may also benefit from the insurer’s focus on customer loyalty and satisfaction, offering incentives and rewards for long-term policyholders. However, be aware that loyalty discounts are not available with AARP car insurance in Florida. Florida law doesn’t allow loyalty discounts on auto insurance.

The good news is The Hartford offers more discounts than some of its competitors, including unique vehicle discounts for farm equipment and green vehicle discounts for electric and hybrid cars. Check out this The Hartford auto insurance discount list to see how much you can save.

How AARP Auto Insurance Program from The Hartford Ranks Among Providers

AARP insurance reviews often discuss how affordable senior car insurance is with a membership. However, when you compare the AARP Auto Insurance Program from The Hartford to other national providers, it is one of the most expensive options for drivers over 55.

Only Liberty Mutual has higher rates than The Hartford, but your AARP membership might qualify you for cheaper coverage based on discounts, how often you drive, and your driving record.

The AARP Auto Insurance Program from The Hartford also locks in auto insurance rates for at least a 12-month policy period, which is six months longer than most insurance contracts. If you get cheap rates, it might be beneficial to switch insurers to enjoy a year of affordable auto insurance.

Before you switch, always compare quotes and policies with providers in your area. AARP auto insurance can vary by state, with AARP in Louisiana and Michigan being the most expensive since rates there are higher than in most states.

AARP Auto Insurance Program from The Hartford Review: The Bottom Line

AARP auto insurance, in partnership with The Hartford, provides a comprehensive suite of benefits tailored to the needs of drivers aged 50 and above.

The standout features in AARP auto insurance program from The Hartford reviews are the affordable senior car insurance rates starting at $113 per month, although rates can climb to over $150/mo as drivers enter their 60s.

Despite longer processing times for claims, AARP auto claims reviews are positive, indicating a high level of satisfaction among policyholders. Additionally, members enjoy exclusive discounts and savings opportunities through the AARP Auto Buying Program. The Lifetime Renewability benefit also ensures that policyholders can maintain their auto coverage throughout their healthy lifespan

Younger drivers won’t qualify for coverage with AARP and will find cheaper rates with another company. Enter your ZIP code below to start comparing quotes today.