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AARP Endorsed Auto Insurance


AARP Endorsed Auto Insurance Quote Forms


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AARP Endorsed Auto Insurance Quote

AARP Endorsed Auto Insurance Information


Outstanding Protection and Value

The AARP® Auto Insurance Program from The Hartford offers AARP members exceptional coverage at great rates. Whether you’re looking for car insurance quotes, or just more information on who we are and how we can help you save, you’ve come to the right place. AARP and The Hartford have worked together for over 25 years to provide AARP members exceptional coverage with significant savings. When AARP members get an insurance quote and buy car insurance from The Hartford, they enjoy a comprehensive package of benefits and services not found in most other auto insurance plans. Availability of features and benefits may vary by state.

First Accident Forgiveness
We waive any premium increase associated with your first accident so long as all drivers on your policy are free of accidents and major violations for the previous five years.†

Lifetime Renewability
No need to worry about losing your car insurance. Once you become a policyholder, you are assured continued coverage as long as you're able to drive and meet a few simple requirements.††

Disappearing Deductible
Maintain a clean driving record, and we'll reduce your collision deductible by $150. And we'll continue to reduce the deductible by $50 each additional year you keep your good driving record – until it reaches $0.†

RecoverCare
This auto insurance feature helps pay for the cost of home services such as cooking, cleaning, shopping, transportation and yard work if you're injured in an accident.†††

12-Month Rate Protection

Because the AARP Auto Insurance Program from The Hartford offers a 12-month policy, your rates are locked in for a full year – not just 6 months like most other companies.

24/7 Hassle-Free Claim Service
When you have an auto insurance claim, it’s good to know that your car insurance company has the experience and know-how to make the claims process as smooth as possible.

With the AARP Auto Insurance Program from The Hartford, you have a variety of car insurance coverage options to fit your unique needs. The information in this section gives you an overview of each type of coverage offered for your auto insurance policy. For more information regarding auto insurance coverage, feel free to call us at 1-800-772-8043.

  • Bodily Injury Protection
  • Property Damage Liability
  • Uninsured Motorist Bodily Injury
  • Uninsured Motorist Property Damage
  • Underinsured Motorists
  • Personal Injury Protection (No-Fault)
  • Medical Payments
  • Collision
  • Comprehensive
  • Full Glass
  • Towing & Labor
  • Rental Reimbursement

Not all coverages are available in all states.

Bodily Injury Protection
Protects you against financial loss when you are held legally responsible for an automobile accident causing injury or death to someone else. This auto insurance coverage also includes the legal costs involved in your defense for a covered suit as well as court costs and bail bond expenses. The coverage amount is a "Split Limit," such as $100,000/$300,000. The first figure is the maximum limit provided for one injured person. The second figure is the limit provided for two or more persons in any one accident or occurrence.

Determining Your Limits
Liability protects you if you are at fault in an accident. If you don't carry enough liability, you may be sued for your personal assets -- your home, savings, investments, or income. When determining how much car insurance coverage is appropriate for you, consider all the assets you want to protect.

Property Damage Liability
Covers you against financial loss if you are found liable for damage caused by your auto, to other people’s property. (e.g. light poles, fences, another vehicle, etc.)

Determining Your Limits
Liability protects you if you are at fault in an accident. If you don't carry enough liability, you may be sued for your personal assets -- your home, savings, investments, or income. When determining how much auto insurance coverage is appropriate for you, consider all the assets you want to protect.

Uninsured Motorist Bodily Injury
This auto insurance coverage pays bodily injury or death expenses for you and any passengers in your vehicle up to your policy limits if you're struck by a driver who doesn’t have insurance, or if you’re struck by a “hit-and-run” driver that you cannot identify.

Determining Your Limits
Generally, your Uninsured Motorist coverage should be equal to your Bodily Injury Liability, so that you provide the same level of coverage for yourself – if you are injured – as you would for others.

Uninsured Motorist Property Damage
This car insurance coverage pays for damage to your vehicle when it is struck by an uninsured driver, a hit-and-run driver, or an insured driver whose Property Damage Liability limit is inadequate to cover the property damage losses incurred.

Determining Your Limits
Consider a limit of liability that will be sufficient to cover your vehicle and/or its contents in the event that you are in an accident with a hit-and-run driver, a driver with no auto insurance coverage, or a driver who has some coverage but not enough to cover the damage to your vehicle.

Underinsured Motorists
This car insurance coverage pays benefits for the bodily injury or death of you and any passengers in your car if you are involved in an accident caused by a driver who has some insurance, but not enough to cover the losses that result from the accident.

Determining Your Limits
Generally, your Underinsured Motorist coverage should be equal to your Bodily Injury Liability, so that you provide the same level of coverage for yourself – if you are injured -- as you would for others.

Personal Injury Protection (No-Fault)
Pays benefits for the cost of personal injuries resulting from an automobile accident. Coverage applies without regard to who was at fault in the accident. It applies only to injuries, and it does not cover damage to a car, or to any other property. Coverage is provided on a per person - per occurrence basis.

Medical Payments
This auto insurance coverage pays reasonable and necessary medical expenses directly resulting from an auto accident up to the selected limits. This may include medical care, recovery, rehabilitation and remedial care, as outlined in your policy. Coverage varies by state.

Collision
Pays for damage to your covered vehicle (up to actual cash value), less the deductible amount, for losses caused by collision. Collision means contact with a physical object, such as another vehicle or a structure. If you plan to purchase Collision coverage, selecting a higher deductible generally helps to reduce the cost of your insurance. This coverage is available only if you carry Comprehensive coverage.

Determining Your Limits
Recommended for vehicles 7 years old and newer with a deductible that is financially comfortable for you. Keep in mind you may be able to lower the cost of your coverage by choosing a higher deductible.

Comprehensive
Pays for damage to your covered vehicle (up to actual cash value), less the deductible amount, as a result of damage caused by events such as: fire, theft, glass breakage, riot, windstorm and hail. If you plan to purchase Comprehensive auto insurance coverage, selecting a higher deductible generally helps to reduce the cost of your insurance. Comprehensive is often required when your car is financed or leased.

Determining Your Limits
Recommended for vehicles 10 years old and newer with a deductible that is financially comfortable for you. Keep in mind you may be able to lower the cost of your coverage by choosing a higher deductible.

Full Glass
Pays the amount of a covered glass loss with no deductible. This full glass coverage is optional and can be purchased for an additional premium.

Towing & Labor
This car insurance coverage pays up to the selected limit for towing of your covered vehicle when it is inoperable, whether or not there is an accident involved. (Note: You must also select Comprehensive coverage to obtain this coverage.)

Rental Reimbursement
If you car becomes inoperable due to a covered loss and you need to rent a substitute, this coverage pays the cost of the rental car up to your policy limits. This coverage is available only if you carry Comprehensive and Collision coverage.

Affordable Car Insurance Coverage

You may qualify for a variety of credits and discounts that make your policy even more affordable. Here are some of the ways you could save!

Availability to each of these credits or auto insurance discounts may vary by state or policy plan.

Multi-Car Discount
If you have two or more private passenger vehicles insured on your AARP Auto Insurance Program policy from The Hartford, you may be able to lower your auto insurance premium.

Defensive Driver Course Credit
If you’re the primary operator of the vehicle and have completed an approved defensive driver course, such as the AARP Driver Safety Program, you're eligible for an auto insurance discount for the next three full years. Just mail us a copy of your certificate, and we will apply the credit. For local and online course information, call 1-866-664-5364 or visit www.aarp.org/dspandthehartford. (The Defensive Driver discount name may vary by state. For example, in some states, such as New York, the course is called the Motor Vehicle Accident Prevention Course discount. In other states it may be called the Accident Prevention or Motor Vehicle Improvement Course discount. In Kentucky, this credit applies for five years.)

Driver Training Credit
You can receive a credit on your premium for drivers under 21 years old who successfully complete an approved course. (In Georgia this discount applies to drivers under 25 years old.)

Good Student Driver Credit
If each full-time student under the age of 25 who operates a vehicle insured through the AARP Auto Insurance Program from The Hartford qualifies as a good student, you can receive a credit on most coverages.†

Air Bags Discount
If your car is equipped with air bags, you are eligible for a discount.

Anti-Theft Device Discount
Anti-theft devices can be either active or passive disabling devices that protect a car from theft and save you money on your Comprehensive Coverage.

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Mishawaka, IN 46544

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