Get more for your money.
When you insure your car, truck or SUV through the AARP Auto Insurance Program from The Hartford, you'll be able to take advantage of a package of features and benefits not found anywhere else. Such as:
Lifetime Renewability
After 60 days of coverage, as long as you are 50 or older and you and other customary drivers of your vehicles have a valid license, remain physically and mentally capable of operating an automobile, have no convictions for driving while intoxicated, have not obtained coverage through misrepresentation and pay your premiums when due, you cannot be refused renewal*.
New Car Replacement
If you have a total loss of your new car within 15 months and/or 15,000 miles of purchase, The Hartford will pay the entire replacement cost for a new one of the same make, model and equipment – with no depreciation.
12-month Rate Protection
Many auto insurance policies only last six months, which means you could see your rates go up twice a year. But with AARP Auto Insurance from The Hartford, your rates are locked in for a full year.
24/7 Claim Hotline
Accidents don't keep normal business hours, so neither does The Hartford. Claim professionals are available to assist you whenever you need it with service that's backed by The Hartford's Claim Satisfaction Guarantee.
Every AARP Automobile Insurance Program policy from The Hartford is backed by these promises:
- 24/7 Claim Service
- Dedicated Customer Care Specialists
- Claim Service Expert for Problem Escalation and Resolution
- Prompt claim payment following agreement on amount of loss
- Replacement Cost Coverage for New Cars if total loss occurs within the first 15 months, or 15,000 miles for same make, model and equipment
Flexible Payment Options
You decide when and what method to pay for your coverage.
Plan Flexibility
Depending on the auto plan(s) available in your state, you may also be eligible for the following benefits. In the event that you do have an accident, having these additional features could help you save a significant amount of money.
First Accident Forgiveness
If all drivers on your policy are accident and ticket free for the five years before the incident, The Hartford will waive any premium increase that would normally be applied in most states**.Disappearing Collision Deductible
Another reason to stay ticket and accident free is that your collision deductible will be reduced by $150 after five years (must include at least three years as part of the AARP Auto Insurance Program). And by $50 each additional year you keep your record clean until it reaches $0***.$100 Deductible Waiver
Get accident damage repaired at one of the approved shops and not only will $100 of the deductible be waived, you'll also receive a guarantee the repair work for as long as you own your vehicle.Waiver of Deductible
In most cases, if an accident is not your fault, you won't have to pay your deductible. The Hartford will pay the full amount of covered damages — and the deductible as well.
The AARP Automobile Insurance Program from The Hartford is currently not available to MA residents.
*Not available in Hawaii, Michigan, New Hampshire, North Carolina and South Carolina.
**Not available in Delaware.
***PA drivers. Your deductible can only be reduced to $100.
