AARP Hartford Auto Insurance Company

Is Buying a Policy Through the AARP Hartford Auto Insurance Company the Right Choice for You?

If you are an experienced driver over the age of 50, is buying a policy through the AARP Hartford Auto Insurance Company the right choice for you? Let’s take a look at what this company offers and then you will be in a much better position to decide whether you want to find out more.

AARP Members Can Request a Quote

If you are currently a member of the AARP, then you can request a quote for auto insurance from the Hartford Auto Insurance Company. Often, when an insurer is contracted by an organization with thousands of members, such as the AARP, those numbers lead to discounts in your insurance premiums. It is to your advantage to request a quote, since there is no obligation to buy a policy.

Once you have the quote in hand, you can compare it to your current policy. Price is important, but it should not be your only consideration. After all, a good deal on auto insurance is only a good deal if you get the coverage you need at a price that fits your budget.

Insurance Rates for Older Drivers

Since the AARP Hartford Auto Insurance Company offers coverage to older drivers, they are able to offer lower rates than a company that insures drivers at all ages. Older drivers are more experienced on the roads, and as a whole, tend to be safer drivers. Rates for new drivers are much higher, simply because they are not as experienced and more likely to be involved in auto accidents. If you have many years of driving experience under your belt and a clean record, then you should be able to use that great history to negotiate lower premiums from your insurer.

Policy Features

When you sign on for an auto policy through AARP Hartford Auto Insurance Company, you get a 12-month policy, not just one that provides six months of coverage.

Drivers who have been insured through AARP Hartford Auto Insurance Company for a minimum of three years and who have maintained a clean driving record for a total of five years are entitled to a lower collision deductible. The deductible is lowered by $150.00 at first, and then is further reduced every year by an additional $50.00. Keep your record clean, and you may be able to lower your deductible to zero dollars. This is a wonderful benefit for people who are careful drivers.

Another way to qualify for a lower auto insurance premium is to successfully complete a defensive driving course. Driving is a learned skill and over several years, you may want to take a refresher course. The defensive driving course may also teach older drivers some new skills that will help them be more effective (and safer) when they are on the road.

If you buy a policy from AARP Hartford Auto Insurance Company and your new car is totaled during the first 15 months or 15,000 miles after purchase, then the company will cover the full cost of replacing it. You will receive a vehicle of the same make and model as the one you lost, with no deductible to cover the depreciation in the value of the vehicle.

Let’s face it, if you were in accident that was severe enough to total your car, you would be concerned about how you were going to replace it. You need a reliable vehicle, after all. This provision means that having to replace the vehicle on your own is no longer a concern.

In a situation where you are in an accident and you are not the driver at fault, then you are not required to pay your deductible for any necessary repairs. This is just one other way that AARP Hartford Auto Insurance Company looks out for their policyholders.


If you decide to buy an auto insurance policy through AARP Hartford Auto Insurance Company and have been insured for a minimum of two months, then you cannot be turned down when the time comes to renew your policy as long as you have continued to pay your premiums on time. Your driver’s license must remain in good standing and you must also be physically and mentally fit to drive. A conviction for a Driving While Intoxicated (DWI) or Driving under the Influence (DUI) offense means that you will no longer qualify for this provision under the policy.

A person who has a number of years of driving experience with a good record has earned the right to qualify for the best possible premium rates. It’s one of the advantages of getting older. The AARP Hartford Auto Insurance Company offers policies designed to meet the needs of today’s seniors.

Use our online tool to find out more about AARP Hartford Auto Insurance Company today.

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