Mathew B. Sims is Editor-in-Chief and has authored, edited, and contributed to several books. He has been working in the insurance industry ensuring content is accurate for consumers who are searching for the best policies and rates. He has also been featured on sites like UpJourney.

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Apr 27, 2020

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Things to remember...

  • The Hartford provides access to numerous industry-wide discounts
  • Lesser-known and specialized discounts are available through The Hartford as well
  • Drivers should stay current with any new discounts that emerge

The Hartford, a top insurance company headquartered in Connecticut, provides coverage to a significant number of customers across the United States. Auto insurance policies underwritten by The Hartford draw their popularity, in part, from the company’s financial strength and affordable coverage options.

Affordable coverage can be made even more affordable when customers access discounts. Not every provider, however, offers the significant discounts.

Those interested in buying insurance from The Hartford will find a generous amount of reductions for premiums. Make sure to do some comparison shopping to make sure you are getting the best rates!

Top Discount Deals

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Certain discounts can be found among numerous insurance company profiles. The Hartford presents several of these popular auto insurance discounts. Combining more than one of these special deals could reduce monthly payments significantly.

Anti-Lock Brakes and Ant-Theft Devices

Insurance companies pay when legitimate covered losses occur. Cutting down on the chances for a loss reduces an insurance company’s risk. Lowered risk means lowered premiums via a discount. Anti-lock brakes won’t prevent accidents 100 percent of the time, but they definitely add to performance safety.

Any type of alarm or other anti-theft device cuts down on the chances of a total loss when a vehicle is targeted by thieves. A vehicle recovery system also yields an aptly-titled vehicle recovery discount.

Full Payment

An insurance policy can be paid in installments. The number of installments depends on what the company offers. Generally, insurance companies prefer to receive payment up front.

A small discount helps motivate full payments. And other billing-related discounts exist.

Paperless documents and paperless auto billing both cut down costs. So does an early signing discount.

As for those who chose to make installment payments, an on-time payment discount is accessible.

Claim Free and Continuous Coverage

Insurance customers who don’t cost the company money are worth retaining. Those who don’t file claims for several years receive discounts. Continuous coverage rewards those who do not allow their coverage to lapse.

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Garage Storage

A lot of harm may befall a vehicle parked out in the open. All human and natural disasters could cause damage to a car. Locking the vehicle up in a garage adds a great deal of safety, safety the insurance company notices. If the garage is part of a home, a stable residence discount might be added.

Defensive Driver and Driver’s Education

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Responsible drivers do everything to curtail the chances of an accident. Enrolling in courses and programs designed to avoid accidents through better driving and appropriate defensive responses display responsible behavior.

Insurance companies deliver rewards for such effort. The Hartford also serves up a safe driver discount for those who qualify.

Homeowner, Multiple Policies, Drivers, and Vehicles, Family Plan, and Married Couples

Purchasing several policies or maintaining a certain status has its rewards. Those rewards come in the form of less-expensive auto insurance through The Hartford. Occupation-specific discounts are possible as well. Certain groups and memberships also qualify for discounts.

Good Student

Good students are highly prized customers for insurance companies. Good students do show a potential to be safe and responsible drivers, which usually translates to fewer claims. Good students can be joined by distant students to access a discount.

Age-Related Discounts

Both a recent retiree and senior driver discount show the rewards that come with age. Once retired or a certain age is reached, contact the insurer for a reduction in premium costs.

Newer Car Discounts

While more costly than an older model, newer cars give drivers what they pay for. New cars generally don’t suffer malfunctions and drivers may be more careful with them.

Problems covered under the warranty might free the insurance company from making payments.

Does the new car come with adaptive headlights? Those headlights deliver discounts.

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Lesser-Known Discounts

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Lesser-known discounts can be newer ones emerging due to changes in the current auto industry landscape or very specialized discounts available only to a limited number of drivers. Lesser-known or not, the discounts would be worth taking advantage of.

Green Vehicle

As the public become more aware of conservation and environmentalism, more people choose greener cars. These drivers can be rewarded with a lower insurance rate through The Hartford.

Low Mileage

Driving a car infrequently not only puts the vehicle at less of a risk for an accident, wear and tear diminishes. Wear and tear create the potential for a collision or the need for roadside assistance. Any surprise why insurance companies would encourage lower annual mileages?

Performance and Handling Discounts

An obvious theme here is enhancements of safety lead to discounts. The following performance and safety add-ons do yield discounts:

  • Driving Device App
  • Daytime Running Lights
  • Passive Restraint
  • Forward Collision Warning

Even if the car did not come with any of these features, they could be installed by a mechanic. Removing the discount from the picture, drivers should look at the added safety benefits these features present.

Unique Vehicles

Special vehicles can come with surprising savings. Discounts for farm and utility vehicles through The Hartford prove this.

Stay Current on Discounts

The current list of discounts available through The Hartford could be updated at any point in the future. Drivers should always review available discounts to check for the addition of a new one.

Reviewing the availability of new discounts would be a prudent step for any driver wishing to save money. Make while you are reviewing discount you are comparing rates to make sure you are saving the most on your insurance policy!