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AARP Car Insurance Reviews
Editors Review:

The AARP Auto Insurance Company started to insure their members in 1984. This insurance is for people who are 50 or older. The AARP company has offices in all fifty states. This company wants to better the life of anyone who is 50 or older. That is why they have the AARP insurance program. AARP insurance which is also known as The Hartford has many convenient features for adults 50 and older in age. If you have an accident, then you can always reach a representative no matter what time of day or night it is. The Hartford also has different payment plans to help you pay for your insurance.

The Hartford also has something called accident forgiveness. You have to check to see if your state is a participant in this. For anyone who is a really safe driver, they have a collision deductible that will drop by a total of $150 dollars after you have been free from any accidents for five years, but three of those years will have to have been part of the AARP insurance program. After that you will get $50 more dollars off per year until you reach a $0 deductible. Also, if you have an accident that was someone else's fault, the AARP insurance may pay for your damages and also pay your deductible. If you choose a shop that AARP recommends they will also take a total of $100 off of your deductible to help you get your car fixed.

The AARP insurance will pay for a new car if your car is a total loss and you have had it for only 15 months and the mileage is less than 15,000.

They also have the feature where they will guarantee your rate for a total of one year at a time. Most insurance companies will guarantee it for six months and when you get your next bill you may be shocked to see the rate go up. This would be a great insurance company for anyone who is 50 or older because of all of the benefits they give you. 

User Reviews:

Please leave a review below; and click on the star rating to add your vote!

2.6/5 stars (1582 votes)
Posts: 802
Re: AARP Car Insurance Reviews
Reply #6 on : Wed August 07, 2013, 15:50:22
We are completely satisfied with Hartford insurance. They have been extremely helpful with our questions. The price is much cheaper than our previous insurance.
Posts: 802
Reply #5 on : Tue April 02, 2013, 12:27:07
I called to file a claim on a large scratch on my car, when I asked if I did file the claim, would it raise my premiums. The gal said she didn't know. I stated again that I needed to know before we proceeded, she said it depended on my drivers record. I have had the policy for 12 years, no accidents, no tickets. She said she didn't have access to that information. I told her that I would cancel the claim and will be cancelling the policy at renewal time.
Shelia A Gray
Posts: 802
rate increases
Reply #4 on : Sat September 15, 2012, 15:08:49
I changed to the Hartford Insurance Co andmpany in 2009 because their yearly rate of $792.00 for my two cars was less that what a was currently paying. I have not had any accidents or any tickets in over 25 years, so I was suprised when my rates wnet up to $806.00 in 2010 and to $972.00 in 2012. When my renewal came for 2013, it had gone up again to $1,023.00. I have not gotten a satisfactory answer for any of these increases, so I canceled my policy and got insurance with another company. It looks like The Hartford gets you hooked with a low premium and then continue to increase the rate until you finally drop them. Shame on you!
Bill W
Posts: 802
AARP auto Insurance
Reply #3 on : Tue January 31, 2012, 17:40:54
When I bought this insurance in June 2011 I was assured that OEM parts would be used with any repairs covered by this policy. To function optimally and maintain vehicle integrity our 1981 Mercedes and 2008 Volvo require OEM parts. Every auto insurance policy that I have had (since 1972) has carried this provision.

When I called Hartford to make a claim for windshield damage, they initially indicated that indeed, only OEM parts would be used in the replacement. When the repair process began the technician showed me that he was replacing the windshield with an off-market product that fits the car. I explained that only OEM glass was to be used. He indicated that he did not have OEM glass and I needed to call the service vendor. I did so and was told that OEM glass could be used but that it would cost at least three times more and that I would have to pay out of pocket. He explained that this is the policy of my insurance company. I asked the cost of the uninstalled OEM glass. He told me it was over $950.

I next called the local dealer (Phil Smart) parts department and got a quote for an OEM windshield. That was about $600. Alarmed by the sequence of incongruent messages that I was receiving I contacted the Hartford again. They thrice referred me to their glass claims subcontractor Safelite who eventually explained that my policy does not cover use of OEM glass. Alarmed, I recalled Hartford but was successively referred to an 800 number for Safelite. They repeatedly told me to take up benefit questions with Hartford. After three rounds of long (180 minutes) conversations with Hartford claims, I was told that they could not authorize the use of OEM parts because it would not be fair to other policy holders.

After several requests I was finally internally transferred to Hartford customer service. Customer service referred me back to claims twice before I was able to speak with a supervisor Brandon Williams in customer service. He assured me that he would personally handle the matter and respond personally within three weeks.

Two days later, different Hartford customer service representative contacted me explaining that OEM parts are not covered under my policy. I told this person that when I bought the policy I was told that only OEM parts will be used. She told me to read the fine print in the policy. I explained that Hartford had never sent me a copy of the policy and could only assume that what I was told before buying it was what I would receive. I also explained that Brandon Williams in Customer service had told me two days prior that he would handle my concerns and get back to me in three weeks. She denied that anyone named Brandon Williams works in customer service at Hartford. I told her I would wait to hear from Mr Williams as he was the only person in the entire process with Hartford who seemed to have listened to my concerns.
No callback yet. No copy of the policy. No repair has been done.

Delay deflect deny. Some insurance.
paul z bonneau
Posts: 802
the hartford auto ins.
Reply #2 on : Sat December 03, 2011, 07:29:00
have been with them for nine years.i have never had a claim so i couldnt comment on their claim service. their rates although pricier than some have been stable all this time and their representatives seem very professional.
gary good
Posts: 802
changing banks no more direct payment
Reply #1 on : Tue August 02, 2011, 10:59:38
if u want me to continue using hartford ins someone needs to send me a phone number where i can advise them of my new bank account. I tried to sign up but ur computer would not let me thanks gary good

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