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The Hartford Insurance Review

Hartford's insurance offerings are targeted at people age 50 and older, and are enhanced by a partnership with AARP for additional savings and member benefits. Non-AARP members can purchase home and auto policies through independent insurance agents, and the company also offers group benefits and business insurance.

Auto Insurance in Hartford

When shopping for auto insurance, it's important to understand what auto insurance coverage you want and what you need to buy. Most states require car insurance to drive a vehicle. Although minimum coverage requirements vary from state to state, they generally include liability insurance and uninsured or underinsured motorist coverage.

If you want extra protection, you may be interested in comprehensive insurance. Full coverage is not a specific type of policy; It is a mixture of types of coverage, such as liability, collision and comprehensive insurance.

Check out the most popular types of car insurance below to see how they work:

Cover type

What is paid for it

i wanted

Liability for bodily injury and property damage

Costs for injuries, deaths or property damage from an accident you caused.

It is usually required.

Uninsured or underinsured motorist coverage

Medical and property damage costs following an accident with a driver who does not have adequate insurance or who has no insurance at all.

It is often requested.

collision coverage

Car accident repair costs, regardless of who is at fault.

This may require a car loan or rental.

Comprehensive coverage

Repair costs from events beyond your control, including weather events, hitting an animal while driving, theft and vandalism.

This may require a car loan or rental.

AARP offers auto insurance to its members through a partnership with Hartford.

Hartford AARP auto insurance policies automatically include the following:

RecoverCare, which pays to cover the cost of things you can't do after an injury in a car accident, such as snow removal. Availability varies by country.

New car trade-in, payable if your new car is totaled. Hartford will write you a check for a new vehicle of the same make and model with the same equipment.

Lifetime vehicle repair warranty, if your vehicle is repaired at an authorized service center.

Accident tolerance, which means your insurance premium will not increase after the first accident, as long as all drivers on your policy have a clean record for the last five years. Casual tolerance is not available in California.

There is no discount for windshield repair.

Legal help if you have an accident.

Opponent invisibility is an optional feature. With this feature, the Hartford will lower your collision tolerance as long as you maintain a clean driving record. This feature is not available in California.

»More: Compare car insurance rates

Car insurance discounts

aggregation policies.

Driving hybrid or electric vehicles.

Complete the training of young drivers.

Provision of cars with more than one airbag or anti-lock brakes.

Complete an approved defensive driving course.

Pay for your document in advance.

To be a member of AARP.

owning a home;

New vehicle ownership.

To have a student who lives far away from home.


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» More: Discount Car Insurance: Your Guide to Getting the Best Price

A guide to buying car insurance

Before you compare car insurance companies, you'll need to gather some basic information. This includes the driving history of each person who will be bound by the document, as well as facts about your vehicle, such as safety features and annual mileage. You'll also need to decide what types of coverage you need. For example, do you only want the minimum coverage required by your state, or do you need more comprehensive coverage, such as gap insurance or ride-sharing coverage? Make sure each company you're considering has the options you want.

When comparing rates between insurance companies, make sure they each offer the same coverage limits and deductibles. You may not want to base your decision solely on price. Look at the number of customer complaints each company has, as a high number of complaints can be a red flag about the quality of service you will receive.

Depending on the company you choose, you may be able to purchase an insurance policy/