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Credits and Discounts

Multi-Car Discount: If you have two or more private passenger vehicles insured on your AARP Auto Insurance Program policy from The Hartford, you may be able to lower your premium.

Defensive Driver Credit: If you’ve completed an approved defensive driver course, such as the AARP Driver Safety Program, you’re eligible for a discount for the next three full years. Just mail us a copy of your certificate, and we will apply the credit.

For local and online course information, call 1-888-227-7669 (1-888-AARP-NOW) or visit www.aarp.org/drive. (The Defensive Driver Credit is called the Motor Vehicle Accident Prevention Course Discount in New York and Motor Vehicle Improvement Course Discount in Pennsylvania. In Kentucky, this credit applies for five years.)

Renewal Credit: If you remain insured through the AARP Auto Insurance Program from The Hartford for three years, you may receive a credit on your personal premium.

Driver Training Credit: You can receive a credit on your premium for drivers under 21 years old who successfully complete an approved course. (In Georgia this discount applies to drivers under 25 years old.)

Good Student Driver Credit: If each full-time student under the age of 25 who owns or operates a vehicle insured through the AARP Auto Insurance Program from The Hartford qualifies as a good student, you can receive a credit on most coverages.

Air Bags Discount: Automatic air bags provide a protective cushion when they inflate. They prevent or minimize injuries, especially in frontal crashes. If your car is equipped with more than one air bag you save even more.

Anti-Theft Device Discount: Anti-theft devices can be either active or passive disabling devices that protect a car from theft and save you money on your Comprehensive Coverage. If you must manually activate the device, it is considered active. If no separate step is needed to activate the device, it is considered passive.

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