As we age, our driving habits change, and so do our insurance needs. That’s where AARP auto insurance comes in. Backed by The Hartford, one of the nation’s leading insurers, AARP auto insurance is designed specifically for drivers over 50. It offers not only competitive rates but also a range of benefits and discounts that can help you save money and drive with peace of mind. In this article, we’ll take a closer look at AARP auto insurance, its features, and how it compares to other insurers.
What is AARP Auto Insurance?
AARP auto insurance is a partnership between AARP, a nonprofit organization that advocates for older Americans, and The Hartford, a financial services company that provides insurance, investments, and other products. AARP auto insurance is available to AARP members who are at least 50 years old and their spouses or domestic partners who are at least 45 years old. The insurance is underwritten by Hartford Fire Insurance Company and its affiliates and is available in all 50 states.
AARP auto insurance offers a range of coverage options, including liability, collision, and comprehensive coverage, as well as personal injury protection and uninsured/underinsured motorist coverage. The insurance also includes a range of benefits and discounts, such as:
- New car replacement
- 24/7 roadside assistance
- Disappearing deductibles
- Guaranteed lifetime renewal
- RecoverCare
- Deductible waiver for a not-at-fault accident
- First accident forgiveness
- Glass repair or replacement without deductible
- AARP member and multi-policy discounts
Why Choose AARP Auto Insurance?
If you’re over 50 and looking for auto insurance, there are plenty of options out there. So why choose AARP auto insurance? Here are some of the reasons:
Competitive Rates
AARP auto insurance offers competitive rates that are often lower than those of other insurers. According to a survey by U.S. News & World Report, AARP auto insurance was the cheapest option for drivers over 50 in three out of four states surveyed. Of course, rates vary depending on factors like your location, driving record, and the type of car you drive, so it’s always a good idea to shop around and compare quotes before choosing a policy.
Exclusive Benefits
AARP auto insurance offers a range of benefits that are designed specifically for older drivers. For example, the recoverCare benefit can help pay for home services like cleaning and cooking if you’re injured in an accident and unable to perform these tasks yourself. The new car replacement benefit can help you replace your car if it’s totaled in the first 15 months or 15,000 miles of ownership. And the guaranteed lifetime renewal benefit means that your policy will never be canceled as long as you pay your premiums.
Discounts
AARP auto insurance offers discounts for AARP members and for those who bundle their auto insurance with other policies, such as home, renters, or life insurance. The multi-policy discount can save you up to 5% on your auto insurance premiums, while the AARP member discount can save you up to 10%. AARP also offers a defensive driving course that can help you save up to 10% on your premiums and may qualify you for a discount on your state’s auto insurance requirements.
How Does AARP Auto Insurance Compare?
While AARP auto insurance offers a range of benefits and discounts, how does it compare to other insurers? Here’s a look:
Geico
Geico is known for its catchy ads and low rates, but how does it stack up against AARP auto insurance? According to U.S. News & World Report, Geico was the cheapest option for drivers over 50 in one out of four states surveyed. However, AARP auto insurance was cheaper than Geico in the other three states. Geico offers a range of discounts, including a multi-policy discount and a defensive driving course discount. However, it doesn’t offer some of the benefits that AARP auto insurance does, such as guaranteed lifetime renewal or recoverCare.
State Farm
State Farm is one of the largest insurers in the country, and it offers a range of coverage options and discounts. However, according to U.S. News & World Report, it was one of the most expensive options for drivers over 50 in all four states surveyed, often costing double or triple what AARP auto insurance costs. State Farm does offer some unique benefits, such as a rideshare coverage option for drivers who work for ride-hailing services like Uber or Lyft, but it doesn’t offer the exclusive benefits that AARP auto insurance does.
Progressive
Progressive is known for its quirky ads and its Snapshot program, which tracks your driving habits and can help you save on your premiums. However, according to U.S. News & World Report, it wasn’t the cheapest option for drivers over 50 in any of the states surveyed. Progressive does offer a range of discounts, including a multi-policy discount and a Snapshot discount, but it doesn’t offer some of the benefits that AARP auto insurance does, such as new car replacement or guaranteed lifetime renewal.
Frequently Asked Questions
How do I become an AARP member?
To become an AARP member, you must be at least 50 years old and pay an annual membership fee. The fee varies depending on your membership plan and can range from $16 to $63 per year. You can enroll online or by mail, or you can call AARP’s toll-free number at 1-888-OUR-AARP (1-888-687-2277).
How can I get a quote for AARP auto insurance?
You can get a quote for AARP auto insurance online or by calling The Hartford’s toll-free number at 1-877-907-5267. You’ll need to provide some basic information, such as your name, address, and the make and model of your car. The quote process usually takes just a few minutes, and you can compare it with quotes from other insurers to see which policy is the best fit for your needs and budget.
What if I have an accident?
If you have an accident, you should call the police and exchange information with the other driver(s) involved. You should also take photos of the scene and of any damage to your car. Then, you should contact AARP auto insurance to report the claim. A claims representative will guide you through the process and help you get your car repaired or replaced as quickly as possible.
What if I want to cancel my policy?
If you want to cancel your AARP auto insurance policy, you should contact The Hartford’s customer service department at 1-800-423-6789. There may be fees or penalties for canceling your policy, depending on the terms of your contract. However, you may be able to switch to a different policy or insurer without incurring any penalties, especially if you do so before your policy renewal date.
Conclusion
AARP auto insurance offers a range of benefits and discounts that are designed specifically for drivers over 50. It’s backed by The Hartford, one of the nation’s leading insurers, and offers competitive rates that are often lower than those of other insurers. While AARP auto insurance may not be the cheapest option for every driver, it’s worth considering if you’re over 50 and looking for a policy that offers exclusive benefits and discounts. To learn more, visit the AARP auto insurance website or call The Hartford’s toll-free number to get a quote today.