AARP Automobile Insurance – A Comprehensive Review

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Automobile insurance is a must-have for every car owner. It protects the driver, the passengers, and the vehicle from unforeseen circumstances. With so many auto insurance providers in the market, it can be challenging to choose the right one. However, AARP Automobile Insurance is one of the most reputable insurance providers in the industry, and it has been serving its customers for over 30 years. This article aims to provide an in-depth evaluation of AARP Automobile Insurance, including its features, benefits, limitations, and frequently asked questions.

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What is AARP Automobile Insurance?

AARP Automobile Insurance is a car insurance program designed for drivers aged 50 years and above. It is offered by The Hartford, which is one of the largest insurance companies in the United States. AARP Automobile Insurance provides coverage for bodily injury, property damage, and collision. The insurance company also offers additional coverage options, such as liability, personal injury protection, and uninsured/ underinsured motorist protection.

The AARP Automobile Insurance program is available to both AARP members and non-members. Members enjoy exclusive discounts and benefits, while non-members can also access the program at competitive rates.

Features of AARP Automobile Insurance

AARP Automobile Insurance has several features that make it stand out from its competitors. Some of its unique features are:

1. Lifetime Renewability

AARP Automobile Insurance offers a lifetime renewability guarantee to its policyholders. This means that as long as you continue to pay your premiums, your policy will never be canceled, even if you file multiple claims.

2. RecoverCare

RecoverCare is a unique feature that is only available with AARP Automobile Insurance. It provides assistance to policyholders who are recovering from an injury after an accident. The policy covers the cost of home cleaning, meal preparation, and transportation services.

3. New Car Replacement

If your new car is totaled within its first 15 months or 15,000 miles, AARP Automobile Insurance will replace it with a new one of the same make and model, without any deduction for depreciation.

4. Car Repair Assistance

AARP Automobile Insurance offers a network of pre-screened repair shops. If you choose to use one of these shops, the insurance company guarantees the quality of the repairs and offers a lifetime warranty on the workmanship.

Benefits of AARP Automobile Insurance

AARP Automobile Insurance offers several benefits to its policyholders. Some of the benefits are:

1. Discounted Rates

AARP members can enjoy up to a 10% discount on their auto insurance premiums. Non-members can also access the program at competitive rates.

2. Money-Back Guarantee

AARP Automobile Insurance offers a 60-day money-back guarantee to its policyholders. If you’re not satisfied with the policy, you can cancel it within the first 60 days and get a full refund.

3. User-Friendly Website and Mobile App

AARP Automobile Insurance has a user-friendly website and mobile app that makes it easy for policyholders to manage their policies, file claims, and pay premiums.

4. 24/7 Customer Support

AARP Automobile Insurance offers 24/7 customer support to its policyholders. You can contact the insurance company via phone, email, or live chat.

Limitations of AARP Automobile Insurance

While AARP Automobile Insurance has several benefits, it also has some limitations. Some of the limitations are:

1. Limited Coverage

AARP Automobile Insurance only offers coverage to drivers aged 50 years and above. If you’re below 50 years, you won’t be eligible for the program.

2. Limited Availability

AARP Automobile Insurance is only available in select states. If you’re not in one of the states where the program is offered, you won’t be able to access it.

3. Limited Discounts

The discounts offered by AARP Automobile Insurance are limited. While AARP members can enjoy up to a 10% discount, non-members only get access to the program at competitive rates.

FAQs

1. How do I file a claim with AARP Automobile Insurance?

You can file a claim with AARP Automobile Insurance by calling their customer support hotline or by filing a claim online via their website or mobile app.

2. What documents do I need to file a claim?

You’ll need to provide your policy number, the date and location of the accident, a police report (if available), and any relevant photos or videos of the accident.

3. Does AARP Automobile Insurance offer roadside assistance?

Yes, AARP Automobile Insurance offers roadside assistance as an add-on. The roadside assistance program covers services such as towing, fuel delivery, and jump-starting.

4. Can I cancel my AARP Automobile Insurance policy?

Yes, you can cancel your AARP Automobile Insurance policy at any time. However, if you cancel before the end of your policy term, you may be subject to a cancellation fee.

5. Does AARP Automobile Insurance cover rental cars?

Yes, AARP Automobile Insurance offers rental car coverage as an add-on. The coverage includes the cost of renting a car while your vehicle is being repaired after an accident.

Conclusion

AARP Automobile Insurance is a comprehensive auto insurance program designed for drivers aged 50 years and above. It has several features, benefits, and limitations that make it stand out from its competitors. If you’re in the market for auto insurance and you’re eligible for the program, AARP Automobile Insurance is definitely worth considering.

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