Car Insurance Features

Car Insurance Features & Benefits

The AARP^® Auto Insurance Program from The Hartford offers AARP members exceptional coverage features. When AARP members get an automobile insurance quote and buy insurance protection from The Hartford, they enjoy a comprehensive package of auto insurance benefits and services not found with most other providers.

Availability of car insurance features and benefits may vary by state.

First Accident Forgiveness^‡

The Hartford waives any premium increase associated with your first accident so long as all drivers on your policy are free of accidents and major violations for the previous five years.

Lifetime Renewability^†

No need to worry about losing your protection with car insurance features like this. Once you become a policyholder, you are assured continued coverage as long as you're able to drive and meet a few simple requirements.

New Car Replacement

If you have a total loss of your new car within 15 months or 15,000 miles of purchase, whichever comes first, The Hartford will pay the entire replacement cost for a new one of the same make, model and equipment – with no deduction for depreciation.

Disappearing Deductible^‡

Once you’re eligible for this benefit, we'll reduce your collision deductible by $50. And we'll continue to reduce the deductible by $50 each additional year you keep your good driving record – until it reaches $0. Car insurance features like this help make a difference.

RecoverCare^§

This automobile insurance feature helps pay for the cost of home services such as cooking, cleaning, shopping, transportation and yard work if you're injured in an accident.

12-Month Rate Protection

Because the AARP Auto Insurance Program from The Hartford offers a 12-month policy, your rates are locked in for a full year – not just 6 months like most other companies. The Hartford stands behind all its car insurance benefits.

 † If you are age 50 or older, once you're insured through this Program for at least 60 days, you cannot be refused renewal as long as applicable premiums are paid when due. Also, you and other customary drivers of your vehicles must retain valid licenses, remain physically and mentally capable of operating an automobile, have no convictions for driving while intoxicated and must not have obtained your policy through material misrepresentation.

‡ Some benefits, including First Accident Forgiveness and the Disappearing Deductible, are only available with the Advantage Plus package. A policy without these benefits is also available. To qualify for the Accident Forgiveness benefit in most states, all drivers on the policy must have a clean driving record (no accidents or violations) for five consecutive years. To qualify for the Disappearing Collision Deductible in most states, all drivers on the policy must have a clean record for three consecutive years. NY and PA drivers are not eligible for the complete disappearance of the deductible, although it will be reduced to a minimum of $100. First Accident Forgiveness benefit is not available in all states.

§ Availability of RecoverCare benefit and benefit levels vary by state.