AARP

• Coverage Features
• Service Coverage
• File and Track Claims
• Member Benefits
• Education

Coverage Features

AARP offers the following coverage features:

• Collision
• Comprehensive
• Medical Payment
• Bodily injury
• Property damage
• Uninsured
• Underinsured
• PIP
• Glass coverage
• Towing
• Rental car
• Personal Umbrella

Service Coverage

AARP's services are available in 50 states. However, certain coverages, credits, and discounts may only be offered in certain states and locations.

File and Track Claims

The claim system is easy and convenient to use. Policyholders can track and file their claim quickly and easily online. The tracking keeps each member updated on their claim status so they don't have to take the time and go through the hassle of calling in to get a status update.  

Member Benefits

Being an AARP member provides you with a lot of easily obtainable benefits. For example, members can save up to 10 percent on monthly charges for wireless AT&T plans and up to 15 percent at Outback Steakhouse. Some of their other deals include a free donut with any large or extra-large beverage, easily printable savings coupons for groceries, $30 off an annual Zipcar membership, discount on the AARP Smart Driver course, online savings from top retailers, and more.

Education

AARP serves consumers with plenty of helpful tips and calculators on their website. They also have a live chat option so browsers who have questions that they want immediate answers to can have their questions answered quickly. For less urgent needs, members or consumers with questions can either email in their questions or call their provided telephone number.

• Undisclosed Pricing
• Third-Party Insurance
• Limited Discounts
• Transparency Issues

Undisclosed Pricing

AARP has not disclosed its auto insurance pricing.

Third-Party Insurance

Car insurance with AARP is actually done through The Hartford. This can be confusing to some consumers. The Hartford is a provider of property and casualty insurance, group benefits, and mutual funds. They have been in business for around 205 years. When you request a quote, the quote will be generated through The Hartford. Moreover, all of your car insurance services will actually be done through The Hartford who is partnered with AARP. Again, this may be confusing to some.

Limited Discounts

Although they do provide a lot of discounts and savings deals, we could not find a pay in full discount. Most of their competitors offer this discount and a lot of consumers will probably look for this discount. However, if you are interested in obtaining a Pay in Full Discount, you could most likely talk to an AARP agent and work something out. Or they may actually provide this discount depending on the location.

Transparency Issues

They lack a little transparency whenever describing their coverage, benefits, and discounts. For example, on most of their discounts, they state that they provide "up to" a certain percentage. So although they list that they provide up to 15 percent off for having an anti-theft device, this could legally mean even just 1 percent. Consumers alike would agree that on being more straightforward and transparent about their benefits, coverages, and discount percentages and amounts would definitely be appreciated.