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First Accident Forgiveness

We waive any premium increase associated with your first accident so long as all drivers on your policy are free of accidents and major violations for the previous five years.†

Lifetime Renewability

No need to worry about losing your car insurance. Once you become a policyholder, you are assured continued coverage as long as you're able to drive and meet a few simple requirements.††

Disappearing Deductible

Maintain a clean driving record, and we'll reduce your collision deductible by $150. And we'll continue to reduce the deductible by $50 each additional year you keep your good driving record – until it reaches $0.†

RecoverCare

This auto insurance feature helps pay for the cost of home services such as cooking, cleaning, shopping, transportation and yard work if you're injured in an accident.†††

12-Month Rate Protection

Because the AARP Auto Insurance Program from The Hartford offers a 12-month policy, your rates are locked in for a full year – not just 6 months like most other companies.

24/7 Hassle-Free Claim Service

When you have an auto insurance claim, it’s good to know that your car insurance company has the experience and know-how to make the claims process as smooth as possible.

†Some benefits, including First Accident Forgiveness and the Disappearing Deductible, are only available with the optional Advantage Plus package. A policy without these benefits is also available. [Call for details.] To qualify for these two benefits, all drivers on the policy must have a clean record (no accidents or violations) for five consecutive years in most states. For the Disappearing Deductible, these five years must include a period of three consecutive years as a policyholder in the AARP Auto Insurance Program (commencing after the effective date of the policy issued through this offer). PA drivers are not eligible for the complete disappearance of the deductible, although it will be reduced to a minimum of $100. Availability of the First Accident Forgiveness benefit varies by state.

††If you are age 50 or older, once you're insured through this Program for at least 60 days, you cannot be refused renewal as long as applicable premiums are paid when due. Also, you and other customary drivers of your vehicles must retain valid licenses, remain physically and mentally capable of operating an automobile, have no convictions for driving while intoxicated and must not have obtained your policy through material misrepresentation.

†††Availability of RecoverCare benefit and benefit levels vary by state.