The Hartford Auto Insurance coverage Overview: Prices & Protection (2022)

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In Our Opinion:

The Hartford presents low auto insurance coverage charges and distinctive perks to AARP members. Whereas nonetheless out there to drivers with out AARP memberships, it’s older drivers who will discover essentially the most profit with The Hartford.

Professionals:

Wide selection of auto insurance coverage merchandise

Can bundle dwelling and auto insurance coverage insurance policies

Particular charges and advantages for AARP members

Cons:

Common customer support repute

Not many low cost choices for non-AARP members

Drivers over 50 searching for insurance coverage protection could also be conversant in The Hartford auto insurance coverage. The Hartford is the one automobile insurance coverage supplier to accomplice with the American Affiliation of Retired Individuals (AARP) to supply unique advantages to the group’s members. 

Due to this relationship, AARP members could discover particularly low auto insurance coverage charges with the supplier. Our staff wished to see how The Hartford compares to the nation’s greatest automobile insurance coverage firms, so we took a take a look at the corporate’s charges, protection choices, advantages, customer support, and extra. Hold studying to see what we found.

About The Hartford

Based in 1810, The Hartford has a wealthy historical past. In keeping with the corporate’s historical past, it as soon as insured the house of Abraham Lincoln. At the moment, The Hartford is among the many high 25 insurers within the nation, and is the one one formally endorsed by the AARP. For that cause, you’ll have heard it known as “AARP automobile insurance coverage.”

Whereas sure advantages and reductions are solely out there to AARP members, anybody can buy a automobile insurance coverage coverage from The Hartford.

The Hartford Auto Insurance coverage Prices

The typical charge estimate for a full protection auto coverage from The Hartford is $2,134 per yr – considerably dearer than the common nationwide estimate of $1,730 per yr. These averages are primarily based on a standardized profile of a 35-year-old driver with a clear driving document and good credit score. Since The Hartford is designed extra for older drivers, charges for these drivers could also be extra aggressive.

The Hartford Auto Insurance coverage Price Components

Your premium is unlikely to match the common estimate quoted above. Insurance coverage firms calculate particular person charges utilizing a number of elements, together with:

• Protection sorts: Legal responsibility insurance coverage insurance policies that solely fulfill state minimal protection necessities value the least. Including protection for your self and different choices will improve your premiums.
• Protection limits: Setting larger protection limits presents you extra monetary safety, but it surely additionally means you’ll pay extra for an auto coverage.
• Age: Whereas youthful drivers are likely to pay the best charges of any age group, senior drivers generally see larger premiums than middle-aged drivers, too.
• Deductible: The decrease your deductible is, the upper your premium is prone to be. If you wish to lower your expenses in your auto coverage, set your deductible larger.
• Driving historical past: When you’ve got any automobile accidents or visitors violations in your driving document, you’re prone to face larger premiums.
• Location: Charges differ between states and even between ZIP codes in the identical state as a consequence of variations in rules and the presence of various danger elements.
• Credit score historical past: Some states have made it unlawful for insurers to make use of your credit score rating as a consider your premiums. In states the place it’s nonetheless authorized, individuals with decrease credit score scores are likely to see larger premiums.

The Hartford Automobile Insurance coverage Reductions

Most of the premium estimates we discovered for The Hartford have been dearer than trade averages. Nevertheless, the corporate presents a sturdy set of reductions that may assist convey premiums down, together with:

• Multi-policy low cost: If you happen to mix your auto protection with different insurance coverage merchandise similar to life, renters, or householders insurance coverage, you will get an general coverage low cost.
• Paid-in-full low cost: It can save you cash in your coverage by paying your total premium upfront, relatively than throughout month-to-month funds.
• Security options low cost: The Hartford presents a reduction for having security options similar to anti-lock brakes and extra airbags put in in your car.
• Car gas sort low cost: Individuals who drive hybrid or electrical autos can get a reduction on their auto coverage.
• Secure driver coaching reductions: Policyholders underneath the age of 21 (25 in Georgia) can earn a reduction by finishing an permitted protected driving course.
• Defensive driving low cost: The Hartford presents a reduction to drivers who full an permitted defensive driving course. This low cost can apply for as much as three years.
• New car low cost: Policyholders can get a reduction when masking a brand new car.
• Non-resident pupil low cost: Households which have an insured driver that’s at present attending faculty away from dwelling with out common entry to their car can get a reduction on their coverage.

TrueLane by The Hartford

The Hartford is certainly one of many insurers that provides a telematics program as an alternative choice to flat-rate insurance coverage. This program, known as TrueLane, makes use of a cell app to observe your driving behaviors, similar to your pace, how laborious you brake and switch, what occasions of day you drive, how typically you utilize your cellphone within the automobile, and extra.

The Hartford presents a 12% low cost only for signing up for TrueLane. If you happen to observe protected driving habits, the corporate says it can save you as a lot as 25% in your coverage whenever you renew. Nevertheless, if you happen to observe driving habits that The Hartford deems unsafe, you possibly can find yourself paying extra for protection.

The Hartford Auto Insurance coverage Protection

Like with most insurers, you’ll be able to construct your automobile insurance coverage coverage with The Hartford by combining normal automobile insurance coverage coverages with non-compulsory coverages and add-ons that suit your wants and finances. Most specialists suggest having a “full protection” coverage that features private damage, collision, and complete insurance coverage together with legal responsibility protection to make sure you’re protected financially.

Commonplace Protection Choices

The Hartford presents the usual varieties of auto insurance coverage that yow will discover with most main suppliers. These embody:

• Property harm legal responsibility insurance coverage: Covers harm to different drivers’ autos and property in an accident for which you might be discovered at fault.
• Bodily damage legal responsibility insurance coverage: Covers medical payments and different injury-related bills ensuing from an accident you might be discovered at fault for.
• Collision protection: Covers harm to your car and property ensuing from an accident, no matter who’s at fault.
• Complete protection: Covers harm to your car from sources aside from a automobile accident, similar to theft, vandalism, hearth, or floods.
• Private damage safety (PIP): Covers medical payments and misplaced wages for individuals in your occasion ensuing from an accident, no matter who brought about it.
• Medical funds (MedPay): Covers medical bills to your occasion, no matter who’s at fault for an accident.
• Uninsured motorist/underinsured motorist protection: Covers damage and property harm if an at-fault driver lacks adequate protection.

The Hartford Extra Protection Choices:

The Hartford additionally presents plenty of add-ons to assist cowl different prices associated to proudly owning and driving your car. These embody:

• Automobile towing protection: Pays for towing.
• Full glass protection: Pays for all glass harm and has a $0 deductible.
• Rental automobile expense protection: Supplies reimbursement for rental automobile prices when your automobile is within the store for repairs after an accident.
• Private umbrella insurance coverage: Supplies monetary assist if somebody sues you for damages in extra of what’s paid by your legal responsibility coverage.
• Hole insurance coverage: Pays the distinction between your automobile’s precise money worth and the quantity you owe in your automobile mortgage in case your automobile is stolen or totaled.
• Disappearing deductible: Reduces your collision deductible every year you go with out an accident (all the way down to $0).
• Accident forgiveness: Accident forgiveness to your first accident is routinely included if all drivers in your coverage keep a clear driving document for 5 years.

The Hartford Included Advantages for AARP Members

Whereas most of the firm’s advantages and choices can be found to policyholders at giant, the supplier features a sequence of reductions and advantages for members of the AARP Auto Insurance coverage Program From The Hartford. These embody:

• 24-Hour roadside help: Covers the price of emergency providers like towing, gas supply, and extra.
• Authorized illustration for accidents: Covers the price of authorized charges associated to a automobile accident.
• New automobile substitute protection: Replaces your automobile with one of many similar make, mannequin, and gear with out subtracting something for depreciation whether it is new.
• No deductible windshield restore service: Waives your auto coverage deductible for windshield restore insurance coverage claims.
• RecoverCare important providers: Covers the price of hiring providers for duties similar to home cleansing, garden upkeep, snow removing, transportation providers, meals preparation, and canine strolling in case you are injured in an accident and may’t do them your self.
• Homeownership credit score: Reductions your auto coverage if you happen to personal a house. This doesn’t apply in case you are already getting a reduction for bundling your householders insurance coverage coverage together with your auto coverage.

The Hartford Lifetime Automobile Restore Assurance

With any insurer, you all the time have the correct to decide on your restore store. Nevertheless, like many insurers, The Hartford has an permitted restore facility program that provides advantages for utilizing one of many greater than 1,600 outlets of their community.

If you happen to use this system, The Hartford will discover an in-network store for you and deal with communications and cost immediately with the store. Repairs made underneath this program at accomplice outlets are assured for the lifetime of the car.

The Hartford Auto Insurance coverage Critiques

The Hartford has an A+ ranking from the Higher Enterprise Bureau (BBB), however it isn’t accredited. The automobile insurance coverage firm at present has a 1.0 out of 5.0-star BBB buyer evaluation rating, however that is primarily based on a comparatively low variety of evaluations. Understand that prospects are more likely to go to the BBB web site to complain than to go away optimistic feedback.

There are solely a small variety of buyer evaluations, which implies these scores could not precisely replicate the sentiment of the vast majority of The Hartford automobile insurance coverage prospects.

Constructive Critiques of The Hartford 

A number of evaluations reward high quality customer support, particularly when switching to The Hartford from one other supplier. Prospects report satisfaction with decrease automobile insurance coverage charges {and professional} brokers.

“I actually thought I used to be getting the bottom out there charge on my automobile insurance coverage, however to my shock, [I] wasn’t. [The Hartford] helped me get higher protection at a decrease premium. For that, I’m glad.”

– Steven P., by way of Trustpilot

“I simply purchased a brand new car and the insurance coverage firm that I’ve been with for the previous two years raised my charges [even though] I’ve a wonderful driving historical past. [I] spoke with an agent from The Hartford who was superior, and he saved me $412.”

– Hiram C., by way of Trustpilot

Unfavourable Critiques of The Hartford 

Some prospects specific frustration with sluggish claims servicing, denied claims, and issue canceling contracts. Nevertheless, most of the damaging evaluations give attention to the corporate’s dwelling insurance coverage merchandise, not The Hartford auto insurance coverage.

“That is the worst monetary group ever. They take weeks to reply to your questions – in the event that they even reply in any respect – and once they reply, they don’t reply your questions. [The Hartford] miscalculated my insurance coverage in July. It’s virtually January, and nonetheless no decision.”

– Ben F., by way of BBB

“[My claim has] been permitted, however [I have yet to] obtain a cost occurring 10 weeks… They by no means offer you any right info… I’m nonetheless ready for a name again.”

– B. M., by way of BBB

The Hartford Auto Insurance coverage: Conclusion

Auto insurance coverage from The Hartford could be considerably expensive for the common driver in comparison with many different high suppliers. Nevertheless, the supplier could provide a few of the best charges for AARP members in particular, particularly after you consider reductions. Members of the group who get protection by The Hartford additionally get plenty of distinctive and useful advantages included of their coverage. RecoverCare, for instance, is a considerate sort of protection that isn’t simple to seek out wherever else and could possibly be extraordinarily useful after an accident.

Youthful drivers will seemingly discover cheaper auto insurance coverage elsewhere. However whereas anybody can get protection from The Hartford, the corporate is designed extra for older drivers and particularly AARP Members. For these drivers, The Hartford ought to be one of many first choices to contemplate.

The Hartford Auto Insurance coverage: High Opponents

Even when The Hartford looks as if the correct supplier for you, it’s all the time a good suggestion to buy round. One other supplier could provide higher charges or extra interesting protection choices. We all the time suggest getting automobile insurance coverage quotes on-line from just a few completely different suppliers. This lets you evaluate and see which supplier actually presents you the bottom charges. Each of the suppliers talked about beneath scored extremely in our auto insurance coverage examine and would make nice choices for a lot of drivers.

GEICO: Finest Low cost Choice

GEICO options extra reductions on its auto protection than a lot of the suppliers we studied – incomes it this yr’s award for Finest Low cost Choice. As well as, we discovered that GEICO charge estimates have been constantly among the many lowest all through our examine. Meaning most drivers can discover cheap protection and produce these prices down even additional with plenty of low cost alternatives. If it’s cheap protection from a good supplier you’re after, it’s definitely value getting an auto insurance coverage quote from GEICO.

Hold studying: GEICO automobile insurance coverage evaluation

State Farm: Finest Total

The nation’s largest insurer earned the best rating of all suppliers in our most up-to-date auto insurance coverage examine, profitable State Farm the award for Finest Total. State Farm presents aggressive charges, loads of reductions, and a big number of protection choices in all 50 states. The corporate additionally claims the nation’s largest community of native insurance coverage brokers, providing quick access to in-person providers in most locations.

Hold studying: State Farm automobile insurance coverage evaluation

The Hartford Auto Insurance coverage: FAQ

Our Methodology

Our skilled evaluation staff takes satisfaction in offering correct and unbiased info. We recognized the next ranking classes primarily based on client survey knowledge and performed intensive analysis to formulate rankings of the perfect automobile insurance coverage suppliers.

• Affordability: A wide range of elements affect value, so it may be tough to check quotes between suppliers. Our staff considers auto insurance coverage charge estimates generated by Quadrant Data Companies and low cost alternatives when giving this rating.
• Protection: As a result of every client has distinctive wants, it’s important {that a} automobile insurance coverage firm presents an array of protection choices. We keep in mind varieties of insurance coverage out there, most protection limits, and add-on insurance policies.
• Business Standing: Our staff considers Higher Enterprise Bureau (BBB) rankings, monetary energy, and years in enterprise when giving this rating.
• Availability: Auto insurers with larger state availability and few eligibility necessities usually tend to meet client wants.
• Buyer Service: Respected automobile insurance coverage suppliers function with a sure diploma of take care of shoppers. We think about complaints filed with the Nationwide Affiliation of Insurance coverage Commissioners (NAIC), J.D. Energy claims servicing scores, and buyer suggestions.
• On-line Expertise: Insurers with easy-to-use web sites and extremely rated cell apps scored greatest on this class.