Compare Car Insurance Packages

Advantage Program vs. Advantage Plus Packages

Car insurance is made up of many different types of coverages designed to help protect you in different ways. Compare the ways the Advantage and Advantage Plus programs of the AARP® Auto Insurance Program from The Hartford1 do it.
Auto Insurance Features Advantage Advantage Plus
Lifetime Continuation Agreement Yes Yes
Full Range of Coverage Limits Yes Yes
Full Range of Deductible Options Yes Yes
24-Hour Roadside Assistance Yes Yes
Countrywide Claims Service Yes Yes
24x7 Claim Reporting Service Yes Yes
Customer Repair Service Program (CRSP) with Life of Vehicle Guarantee Yes Yes
Legal Representation for Accidents Yes Yes
New Car Replacement Coverage Yes Yes
No Deductible Windshield Repair Service Yes Yes
RecoverCare Essential Services§ Yes Yes
Paid In Full or Monthly EFT Yes Yes
Auto & Home Account Policy Savings Yes Yes
Home Ownership Credit (not available with Auto & Home Account Policy Savings) Yes Yes
New Vehicle Discount Yes Yes
Hybrid Vehicle Discount Yes Yes
Personal Umbrella Discount Yes Yes
Non-Resident Student Discount Yes Yes
Annual Policy Term Yes Yes
Accident Forgiveness Yes
Disappearing Collision Deductible Yes
Deductible Waiver for Not-At-Fault Accident Yes
$100 Collision Deductible Reduction w/CRSP Yes
Emergency Expense Coverage Yes
One Deductible‡‡ Yes
As an AARP member, you also have these valuable features built into your Hartford car insurance policy at no extra cost:
 
  • Lifetime Renewability is The Hartford’s promise to renew your policy for as long as you’re able to drive and meet a few simple requirements. This may help alleviate some stress if you’re worried about losing your coverage after an accident.
  • The Hartford RecoverCare Advantage® pays you up to $2,500 for help with grocery shopping, transportation, cooking, cleaning, and other needed help around the house that you can’t manage while recovering from a car accident.§
  • New Car Replacement pays to replace your new car with a new vehicle of the same make, model and equipment with no deduction for depreciation if it is totaled within the first 15 months or 15,000 miles after you buy it (whichever comes first).§§
Get a car insurance quote from The Hartford today.
§ Availability of RecoverCare benefit and benefit levels vary by state. The Hartford RecoverCare Advantage® is a registered mark of The Hartford.
 
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. Benefit currently not available in HI, MI, NH, NC and TX.
 
§§ Limitations apply.
 
First Accident Forgiveness and the Disappearing Deductible, are only available with the Advantage Plus package. A policy without these benefits is also available. (Call for details.) 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. First Accident Forgiveness is not available to CA policyholders. To qualify for the Disappearing Collision Deductible benefit in most states, all drivers on the policy must have a clean driving record for three consecutive years. NY drivers are not eligible for the complete disappearance of the deductible, although it will be reduced to a minimum of $100. The Advantage Plus package option, the Disappearing Deductible benefit and the Accident Forgiveness benefit are not available in all states.
 
‡‡ One Deductible applies for any Home policy (Home Advantage or not) if Auto policy is also insured with The Hartford and includes the Advantage Plus package coverage.
 
Additional disclosures below.
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AARP and its affiliates are not insurers. Paid endorsement. The Hartford pays royalty fees to AARP for the use of its intellectual property. These fees are used for the general purposes of AARP. AARP membership is required for Program eligibility in most states.

The AARP Automobile & Homeowners Insurance Program from The Hartford is underwritten by Hartford Fire Insurance Company and its affiliates, One Hartford Plaza, Hartford, CT 06155. In California, the Program is underwritten by Hartford Underwriters Insurance Company. In Washington, the Auto Program is underwritten by Hartford Casualty Insurance Company, and the Home Program is underwritten by Trumbull Insurance Company. In Michigan, the Auto and Home Programs are underwritten by Trumbull Insurance Company. In Minnesota, the Auto Program is underwritten by Sentinel Insurance Company, and the Home Program is underwritten by Trumbull Insurance Company. In Pennsylvania, the Auto Program is underwritten by Trumbull Insurance Company, and the Home Program is underwritten by Hartford Underwriters Insurance Company. Homeowners product is not available in all areas, including the state of Florida. Specific features, credits and discounts may vary and may not be available in all states in accordance with state filings and applicable law. Applicants are individually underwritten and some may not qualify. The program is currently unavailable in Massachusetts, Canada and U.S. Territories or possessions.

1 In Texas, the Auto Program is underwritten by Southern County Mutual Insurance Company through Hartford Fire General Agency. Hartford Fire Insurance Company and its affiliates are not financially responsible for insurance products underwritten and issued by Southern County Mutual Insurance Company. The Home Program is underwritten by Trumbull Insurance Company.