AARP has partnered with The Hartford Group since 1989 to provide auto insurance for AARP members and non-members alike. AARP is currently headquartered out of the District of Columbia (Washington, DC). They are a large nonprofit organization with around 5,000 employees. They pride themselves in their unique benefits, low rates, and quality service to every state but Massachusetts in the United States.
With over 37 million members, they strive to strengthen communities and fight for families’ healthcare, employment security, and retirement planning. Their website and magazine called, “AARP – The Magazine” provide consumers with a variety of useful lifestyle tips, news and educational information. AARP is, and always has been, ran by a 21 member volunteer AARP Board of Directors. If anyone is curious or simply wants to know more about each of these 21 Board of Directors, AARP provides information about their leadership responsibilities and backgrounds on their website. Other benefits of AARP include:
AARP offers the following coverage features:
- Bodily Injury Liability
- Property Damage Liability
- Uninsured Motorist Bodily Injury
- Uninsured Motorist Property Damage
- Personal Injury Protection
- Medical Payments
- Rental Reimbursement
- Towing and Labor (Often known as Roadside Assistance or Emergency Road Service)
- Personal Injury Protection
- Full Glass
In order to receive comparable quotes, the Review Team standardized their requests to a 27 year old with a Toyota Camry. The quote which was received for basic coverage was 62 dollars per month. In comparison to most of AARP’s competitors, their pricing came in lower than most.
This coverage includes Bodily Injury Liability, Property Damage Liability, Medical Payments, Personal Injury Protection (no fault), Reject Loss of Income, Uninsured and Underinsured Motorist Bodily Injury, $500 Comprehensive Deductible, $1,000 Collision Deductible, AARP’s No-Drop Promise, 6-Point Claim Satisfaction Commitment, 24/7 Claim Hotline, and 24/7 Roadside Assistance.
For only 18 dollars more per month, with this quote, a prospective policyholder also receives First Accident Forgiveness, Disappearing Deductible, $250 Comprehensive Deductible, $500 Collision Deductible, $50 Towing and Labor assistance, and more. Bear in mind that this quote is for illustrative purposes only and will vary based upon several factors.
AARP’s services are available in 49 states. Except for residents of Massachusetts, they provide car insurance to every state in the United States. However, certain coverages, credits, and discounts may only be offered in certain states and locations
AARP offers a myriad of discounts and different ways to save. Some offer are the Bundle Discount (for up to 5 percent and up to 20 percent on home/condo/renters insurance), the Multiple Car Discount (for up to 3 percent), the Defensive Driver Discount (for up to 5 percent), the Anti-Theft Device, Discount (for up to 15 percent), the Air Bags Discount (for up to up to 20 percent), the Online Discount (for up to 7 percent), the Advance Quote Discount (for up to 5 percent), the Vehicle Fuel Type Discount (for up to 5 percent), and many more.
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.
AARP/Hartford began their partnership in 1989.
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.
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.
AARP does not list any sample car insurance quotes online. You will have to go through a form and fill out personal information to allow them to generate a quote to display for you. The form takes about 10 minutes and requires a lot of information that you may not have on hand. Although they usually require personal information to generate a realistic quote for the “realistic” reasons, but it would be more transparent and easier for consumers if they displayed their price ranges on their website. Other limitations include:
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.
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.
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.
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