The Hartford Auto Insurance Company was founded in 1810 and boasts over 200 years of insurance experience, including ensuring President Lincoln’s Illinois residence in 1861.
The Hartford has provided AARP members with a home and car insurance program through independent brokers and agents for 30 years; has great financial stability; ranks well in many regions for customer satisfaction in car insurance; and has a solid performance for claims satisfaction among home insurance policyholders.
The Hartford provides various ways to save money on insurance through discounts, as well as excellent policy coverage options.
Here’s what you should know before deciding whether The Hartford is the right insurance company for you.
Is Hartford Auto Insurance Company Right for You?
If you are over 50 and a member of the American Association of Retired Persons (AARP) or are willing to become a member, Hartford is a decent insurance company to consider.
If you have a solid credit score, The Hartford Auto Insurance Company may be a suitable fit because it may incorporate credit scoring into its insurance premium quotes (depending on where you live). If you are not already a member of the AARP or do not wish to become one, it may not be the best option for you.
Where Can I get Hartford?
Hartford Auto Insurance Company provides its goods and services across the majority of states. Some of its wholly-owned subsidiaries, however, may not be present in every jurisdiction.
Nonetheless, Hartford provides insurance in all 50 states and Washington, D.C.
It also provides limited insurance in Puerto Rico, Guam, Canada, American Samoa, and the United States Virgin Islands.
While it is available almost everywhere in the United States, Hartford does not have a presence in the following seven states: Alaska, Delaware, Hawaii, Louisiana, Mississippi, North Dakota, and Rhode Island.
Pros and Cons of The Hartford Auto Insurance Company
The Hartford Pros Explained
Claim benefits: No one wants to make a claim, but Hartford provides some relief, such as deductible waivers for not-at-fault automobile accidents, disappearing deductibles with a clean driving record, and RecoverCare, an after-accident home support program.
Business insurance alternatives: There are numerous business insurance options available, including those for entrepreneurs and small firms.
Home-based business-coverage, professional liability insurance, and industry-specific company packages are available for everyone from arborists to pet groomers to wholesalers.
Hartford Insurance Cons Explained
Restricted to AARP members: The Hartford is only available to AARP members. Some of AARP’s benefit providers have age limits as well, so check with an agent to see if you’re eligible for coverage before joining AARP.
A credit check is necessary: To obtain an insurance estimate, Hartford may ask for your permission to utilize credit scoring and other third-party data about your credit, prior insurance, and claims history.
Better coverage may necessitate an upgrade: The Hartford, like many insurers, offers varying levels of coverage based on the insurance option you select, so when comparing prices, make sure to find out if features such as replacement costs, water damage coverage, or identity theft are included in your quote, or if you will need to upgrade or add an endorsement.
The Hartford Insurance Products
The Hartford Auto Insurance Company provides a variety of property, auto, and business insurance choices.8 Property insurance includes homeowner, condo, flood, renters, and umbrella insurance.
Vehicle insurance includes coverage for automobiles, motorcycles, collector vehicles, RVs, ATVs, snowmobiles, boats, and golf carts.
General liability insurance, workers’ compensation, commercial auto insurance, employee benefits, and industry-specific insurance
What Discounts Are Offered?
When you bundle your policies, The Hartford offers many benefits to policyholders, including up to 5% off car insurance and up to 20% off home, condo, or renters insurance.
If you have home security and protection equipment such as alarm systems or sprinklers, or safer grade locks on your doors, you can earn a discount on your property insurance.
Other reductions include those for retirees, individuals who have never filed a claim, and those who have recently purchased a new house.
Anti-theft, airbag, hybrid, or electric vehicle discounts, driver training, defensive-driving discounts, good-student discounts, and a discount for paying your policy in full can all help you save money on auto insurance.
Other Hartford Auto Insurance Company Offerings
Because not all products are available in all states or with all insurance plans, inquire with The Hartford Auto Insurance Company regarding inclusion and cost for the following benefits:
Forgiveness for the first accident: If you have an accident following a five-year streak of safe driving, your insurance rate will not rise.
- Replacement automobile: If your new car is totaled within the first 15 months (or 15,000 miles), you may be eligible for a replacement car (not depreciated value).
- Post-accident, in-home assistance: If you are wounded in an accident, some of the costs of home services will be covered.
- Equipment protection: In the event of a mechanical or electrical breakdown, Hartford will repair or replace appliances, electronics, and other home systems.
- Green reconstruction: If you use environmentally friendly materials for house repairs or rebuilding following a claim, you may be eligible for a 10% payout increase.
- Replacement Plus: This Hartford Auto Insurance Company benefit helps cover the additional expenses of renovating your kitchen or bathroom with universal design features that can make a home more accessible to people of all ages, sizes, and physical abilities.
- Assisted-living care coverage: When you add on the assisted-living care policy, relatives residing in an assisted-living facility can benefit from your homeowner’s coverage. Liability, goods, and additional living expenses are all covered.
Frequently Asked Questions
Is Hartford exclusive to AARP members?
While Hartford has a collaboration with AARP and provides exclusive advantages to AARP members, they also offer auto insurance to non-members. AARP members, on the other hand, can take advantage of additional savings and benefits.
Can I combine my vehicle insurance with other Hartford insurance products?
Yes, you can combine your auto insurance with other insurance products from The Hartford, such as house insurance, renters insurance, or umbrella insurance. Bundling can help you save money.
How can I submit a claim to The Hartford?
You can file a claim with The Hartford by contacting their claims department, which is open 24 hours a day, seven days a week. They will walk you through the claims procedure and help you complete the essential stages.
Is Hartford available in my state?
Hartford’s auto insurance may be available in different states. It is critical to confirm that they provide coverage in your state.
Are there any reductions available with The Hartford auto insurance?
The Hartford provides a variety of discounts, like as a defensive driving course discount, an anti-theft device discount, a good student discount, and more. AARP members may also be eligible for special discounts.
Overall, Hartford Auto Insurance Company is a financially robust and reliable insurance company with a broad range of coverage options and numerous benefits.
It is well worth checking with one of its independent brokers or an agent to determine what coverage you are eligible for.
The Hartford offers solid auto and home insurance policies, as well as coverage choices that may save you money if you drive safely and provide good compensation if you file a claim.
Furthermore, its affiliation with AARP may provide you with additional benefits and bonuses.