As we age, our needs and priorities change. This holds true for auto insurance as well. If you’re a senior citizen looking for car insurance that caters to your specific needs, AARP auto insurance might be the right option for you. AARP auto insurance offers a range of customized policies that provide adequate coverage at an affordable rate. But before you go ahead and purchase a policy, there are some things you need to know. In this article, we’ll take you through the ins and outs of AARP auto insurance and help you make an informed decision.
What Is AARP Auto Insurance?
AARP auto insurance is a car insurance policy that is specifically designed for people aged 50 and above. This insurance policy is provided by The Hartford, a leading insurance provider in the United States. AARP auto insurance offers a range of policies that cater to the individual needs of senior citizens.
The Hartford has been in business for over 200 years and has a solid reputation for providing quality insurance policies. By partnering with AARP, The Hartford is able to provide insurance policies that cater to the needs of the elderly population.
What Are the Benefits of AARP Auto Insurance?
Some of the benefits of AARP auto insurance include:
| Benefits of AARP Auto Insurance |
|---|
| Customized Policies |
| Lower Rates |
| No-Drop Promise |
| 24/7 Claims Service |
| Retiree Discounts |
Customized Policies
One of the biggest benefits of AARP auto insurance is that it offers customized policies. This means that you can tailor your policy to suit your individual needs. For example, if you only drive occasionally, you can opt for a policy with lower mileage limits, which will lower your premiums. Similarly, if you own an expensive car, you can opt for a policy with higher coverage limits, which will provide adequate protection in case of an accident.
Lower Rates
AARP auto insurance policies are generally cheaper than other insurance policies. This is because AARP members are perceived to be low-risk drivers, which means that they are less likely to be involved in accidents. In addition, AARP members are eligible for a range of discounts, which can further reduce the cost of their insurance policies.
No-Drop Promise
If you’re a safe driver, you don’t want to be penalized for the mistakes of others. AARP auto insurance provides a no-drop promise, which means that your insurance policy won’t be canceled if you’re involved in an accident, even if it’s your fault. This is a great benefit, especially if you have a long history of safe driving.
24/7 Claims Service
In case of an accident, you want your insurance provider to be available round the clock to answer your queries and provide assistance. AARP auto insurance provides 24/7 claims service, which means that you can get in touch with their customer support team at any time of the day or night.
Retiree Discounts
Retirees often have a fixed income, and therefore it’s important for them to save money wherever they can. AARP auto insurance offers a range of discounts for retirees, such as the defensive driving course discount, which can help you save money on your premiums.
What Are the Different Types of AARP Auto Insurance Policies?
AARP auto insurance offers a range of policies that cater to the individual needs of senior citizens. Some of the policies offered by AARP auto insurance include:
AARP Auto Insurance Program from The Hartford
The AARP Auto Insurance Program from The Hartford is the flagship policy offered by AARP. This policy provides a range of benefits, such as:
| Benefits of AARP Auto Insurance Program from The Hartford |
|---|
| New Car Replacement |
| First Accident Forgiveness |
| Deductible Waiver |
| Disappearing Deductible |
| Waiver of Deductible for Not-At-Fault Accident |
| One Deductible |
New Car Replacement
If your car is less than one year old and has less than 15,000 miles on it, you’re eligible for new car replacement under this policy. This means that if your car is totaled in an accident, you’ll receive a brand new car of the same make and model.
First Accident Forgiveness
If you’re involved in an accident, and it’s your fault, your insurance premiums are likely to go up. However, with the first accident forgiveness benefit, your insurance rates won’t increase after your first at-fault accident.
Deductible Waiver
If you’re involved in an accident and your car needs repairs, you’re generally required to pay a deductible before your insurance kicks in. However, with the deductible waiver benefit, you won’t be required to pay a deductible if you use one of the approved repair shops.
Disappearing Deductible
If you’re a safe driver, you deserve to be rewarded for it. With the disappearing deductible benefit, your deductible will decrease by $50 for every year that you don’t make a claim.
Waiver of Deductible for Not-At-Fault Accident
If you’re involved in an accident that’s not your fault, you won’t be required to pay a deductible under this policy.
One Deductible
If you have multiple cars insured under this policy and are involved in an accident that involves more than one of your cars, you’ll only be required to pay one deductible.
AARP® Essential Premier Auto Insurance Program from The Hartford
The AARP Essential Premier Auto Insurance Program from The Hartford is another policy offered by AARP. This policy provides basic coverage for accidents, theft, and other incidents. Some of the benefits of this policy include:
| Benefits of AARP Essential Premier Auto Insurance Program from The Hartford |
|---|
| Collision Coverage |
| Liability Coverage |
| Theft Coverage |
| Uninsured Motorist Coverage |
Collision Coverage
If your car is damaged in an accident, this policy will cover the cost of repairs.
Liability Coverage
If you’re involved in an accident and the other party sues you, this policy will cover the cost of legal fees and damages.
Theft Coverage
If your car is stolen, this policy will cover the cost of replacing it.
Uninsured Motorist Coverage
If you’re involved in an accident with an uninsured driver, this policy will cover the cost of repairs and medical expenses.
How to Get an AARP Auto Insurance Quote
If you’re interested in getting an AARP auto insurance quote, you can do so online or by phone. To get an online quote, you’ll need to provide some basic information such as your name, age, and zip code. Once you’ve provided this information, you’ll be able to choose a policy that suits your needs and get a quote for it.
If you prefer to get a quote over the phone, you can call The Hartford’s toll-free number and speak to a representative. The representative will ask you some basic questions and provide you with a quote for the policy that’s best suited to your needs.
FAQs
1. What Is the Age Limit for AARP Auto Insurance?
AARP auto insurance is available to people aged 50 and above. However, some policies have a higher age limit, depending on the state you live in.
2. Can I Cancel My AARP Auto Insurance Policy?
Yes, you can cancel your AARP auto insurance policy at any time. However, you may be charged a cancellation fee, depending on the policy you’ve chosen.
3. Does AARP Auto Insurance Cover Rental Cars?
Yes, AARP auto insurance policies generally cover rental cars. However, the specific coverage will depend on the policy you’ve chosen.
4. How Do I File a Claim with AARP Auto Insurance?
You can file a claim with AARP auto insurance by calling their toll-free number or by logging into your account on their website.
5. Does AARP Auto Insurance Offer Discounts?
Yes, AARP auto insurance offers a range of discounts for retirees, safe drivers, and members of the military.
Conclusion
If you’re a senior citizen looking for car insurance that caters to your specific needs, AARP auto insurance is definitely worth considering. AARP auto insurance policies are customized, affordable, and provide adequate coverage for all your driving needs. Whether you’re looking for basic coverage or comprehensive protection, AARP auto insurance has a policy that’s perfect for you.