Clean Driving Record Discount
You can save up to 10% on your auto insurance policy by having no collisions, at-fault accidents or violations for at least five years on your driving history. This discount is applied automatically if you qualify, so there’s no additional enrollment needed.
Defensive Driving Course Discount
You can also get a discount on your car insurance rate for drivers who are under 21 years old (under 25 in Georgia) who finish an approved training course. To learn more, call The Hartford’s representatives at
888-546-9099.
Vehicle Safety Features Discount
If your car has safety features, like anti-lock brakes or anti-theft devices, you can receive even more savings.
Usage-Based Driving Discount: TrueLane
The Hartford’s TrueLane Program rewards drivers based on how many miles they drive safely. You’ll save up to 15% when you sign up within 60 days of your first policy. Plus, you could earn a renewal discount of up to 40%, depending on your safe driving habits. Riskier habits may result in a higher premium.^
At The Hartford, we know even the safest drivers can’t avoid an accident. That’s why we offer these additional benefits to help get you back on the road:
-
New car replacement coverage can help if you total your new car. We’ll even pay the cost to replace it with a new car of the same make, model and equipment without subtracting anything for depreciation.§§
RecoverCare§ coverage helps pay for home services, like house cleaning, if you’re injured in an accident and can’t do them yourself.
Lifetime car repair assurance gives you access to our 1,600 authorized repair shops. If you use one of our recommendations, we’ll guarantee the workmanship on all repairs.
- Disappearing Deductible, an optional benefit, reduces your collision deductible on your auto policy over time as long as you are a safe driver and maintain a clean driving record.‡
- Rental Car Reimbursement Coverage, also called transportation expense coverage, helps pay for a rental car while your vehicle is in the shop after an accident.
- Accident Forgiveness excuses your first accident if you need to file a claim, as long as all drivers on your car insurance policy have a clean driving record and are accident-free for five straight years.‡
For most drivers, a safe driver discount is worth it because of the savings on your car insurance rate.
Here’s a simple way to think about it:
- If your annual premium is $1,500, a 10% clean record discount saves you $150 a year.
- Adding a 5% defensive driving discount saves an additional $75 a year.
- Enrolling in a usage-based program, like TrueLane, could save you up to 40% at renewal.
In addition to savings on your car insurance premium, safe driver programs encourage habits that help reduce the likelihood of accidents, which can help you avoid rate increases in the future. For AARP members insured through The Hartford, these discounts and benefits are designed to specifically reward experienced, safe drivers.
How To Get a Safe Driver Discount With The Hartford
Getting your safe driver discount with The Hartford is easy.
- Get a quote. Start by getting a free car insurance quote online or by calling 888-546-9099.
- Confirm your eligibility. If you’ve had no at-fault accidents, collisions or violations in the past five years, you can qualify for the clean record discount.
- Submit your defensive driving certificate. If you’ve completed the AARP Driver Safety Course or another approved program, send The Hartford your certificate to qualify for the discount.
- Enroll in TrueLane. You can enroll in TrueLane within 60 days of your first policy to get an immediate discount of up to 15%, with the potential to earn up to 40% at renewal.^
- Review your policy regularly. Safe driver discounts may change as your driving history evolves. It’s a good idea to review your eligibility each time your policy renews.
Get a Safe Driver Discount
For over 40 years, The Hartford has been helping AARP members save money by offering exclusive benefits and savings just for experienced drivers. To see if you qualify for safe driver discounts, get a
car insurance quote online or call The Hartford at
888-546-9099 Don’t forget you can save time when you
buy car insurance online.
