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Features & Benefits

Get More Protection and More for Your Money

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Your car is more than four tires and an engine. It’s what connects you to family, friends and the life you want to live.

That's why auto insurance from The Hartford gives you important features and benefits you might not find other places.

Choose the feature-rich Advantage Package, or for only about $5 more a month, get added benefits with the Advantage PLUS Package.††

Advantage Package

No-Drop Promise

Once you have a car insurance policy, we promise to renew it for as long as you’re able to drive and meet a few simple requirements—even if you’ve had traffic convictions or accidents.

6-Month Rate Protection

Your low premium is locked in for a full six months.


Get up to $2,500 to pay for help with transportation, cooking, cleaning, and other needed help around the house if you’re injured in a car accident.§

New Car Replacement

If your new car is totaled within the first 15 months or 15,000 miles after you buy it (whichever comes first), we’ll pay to replace it with a new vehicle of the same make, model and equipment with no deduction for depreciation.§§

Lifetime Car Repair Assurance

Use one of the 1,600+ authorized repair shops in our approved network, and we stand behind the workmanship of covered repairs for as long as you own or lease your vehicle.

24/7 Claims Hotline

You can reach our claims reporting service 24/7, and we’ll walk you through the claims process. Our 6-Point Claim Commitment is your assurance of getting prompt, caring claim service from the start of your claim to the end.

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Advantage PLUS Package

In addition to everything above, the Advantage PLUS package includes the following features and benefits. Enjoy a lot of extra protection for just a few dollars more a month.

12-Month Rate Protection

Your low rate is locked in for a full year, not six months like most other companies. That means your rate stays lower longer.

First Accident Forgiveness

Your rates won’t go up just because you have an accident, and it won’t count against you.

Disappearing Deductible

Your collision deductible will go down each year as long as you maintain a clean driving record.

One Deductible

If you file a claim for a loss involving two of your vehicles insured by The Hartford, you'll pay only one deductible – whichever is higher – for the covered losses to the vehicles. This benefit also applies if your car and home are in the same covered loss and you carry homeowners insurance with The Hartford. You'll pay only the highest deductible.

Waiver of Deductible for a Not-At-Fault Accident

If a collision loss is not your fault, you don’t have to pay your auto insurance deductible. $100 Deductible Waiver
Take $100 off your collision deductible if you choose to take your car to an authorized repair shop.

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Switch to The Hartford auto insurance and you could save $500* or more
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