Why Choose The Hartford for Car Insurance?
Switch your car insurance to the AARP® Auto Insurance Program from The Hartford1 and save. Enjoy great rates that recognize your driving experience and the extra benefits you deserve as an AARP member. You may even be eligible for additional savings. To learn more about automobile insurance and the savings and benefits you may qualify for, get a quote. It’s easy! In 8 minutes or less, you can complete your quote and discover exclusive online savings. With our Advantage program, coverage includes:
Lifetime Renewability Auto Insurance
Once you have an auto insurance policy with The Hartford, your coverage will be renewed for as long as you’re able to drive. Just meet a few simple requirements such as maintaining a valid driver's license and paying your premiums.†
12-Month Car Insurance Rate Protection
You can relax knowing your low car insurance premium is locked in for a full year. This sets The Hartford apart from other insurers who may change rates every six months.
RecoverCare – Assistance After an Accident
When you choose car insurance from The Hartford, we’re here for you if you're injured in an automobile accident. RecoverCare coverage provides reimbursement for essential home services you cannot perform yourself after a covered accident. For example, it can help cover costs of services like house cleaning, lawn maintenance, snow removal, transportation services, food preparation and even dog walking.
New Car Replacement Coverage
If you total your new car 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
After a covered claim, when you use one of the 1,600+ authorized repair shops in our approved network, we will stand behind the quality of covered repairs for as long as you own or lease your vehicle. This also saves you the hassle of searching for a trusted repair service on your own.
24/7 Car Insurance Claims Hotline
Accidents can happen any time of day or night and you deserve an automobile insurance company that can respond immediately no matter what time you call. You can reach our claims reporting service 24/7, and we’ll walk you through the car insurance claims
process. Our 6-Point Claim Commitment is your assurance of getting prompt, caring service throughout your claim experience.
Enjoy Even More Car Insurance Protection
Advantage Plus Program‡
Compare Advantage & Advantage Plus Auto Coverage Features
In addition to the auto coverage features and benefits mentioned above, our Advantage Plus package includes:
First Accident Forgiveness‡
Everyone makes mistakes once in a while. Once you qualify for first accident forgiveness, if you are involved in an accident, that first accident will be forgiven and your premium will not increase as a result. To qualify, all drivers on the policy must have a clean driving record for five consecutive years.
Disappearing Deductible for Auto Insurance
We believe in rewarding great drivers. With our disappearing deductible, your collision deductible on your car insurance policy will go down each year – all the way to $0 – as long as you maintain a clean driving record.‡
If you file a claim for the same loss involving two of your vehicles that are covered by a car insurance policy with The Hartford, you will pay only one deductible – whichever is higher – for the covered losses to the vehicles. This benefit also applies if your car and home are involved 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
In most cases, if you are not at fault in an accident, The Hartford will waive your collision deductible. Not available in all states.
$100 Deductible Reduction
Typically, even if you’re not at fault, you may have to pay out of pocket for repair costs that fall below the deductible amount of your car insurance policy. With The Hartford as your car insurance company, you can have your car repaired at any shop you choose. However, when you elect to use a shop authorized by The Hartford for vehicle repair, we will reduce your collision deductible by $100. Not available in all states.
More Answers to Frequently Asked Auto Insurance Questions