Your car has two unique qualities. First, it is probably one of the most expensive things you own. Insurance protects your investment and guarantees you a way of coping with the expense of accidents, vandalism or theft, as well as securing your financial responsibility to the bank or other institution lending the money to buy your vehicle.
Second, when you drive, you are operating a powerful machine, weighing one ton or more and capable of moving at over 100 miles per hour. You are responsible for the safety of your passengers, your fellow drivers, other people's property, pedestrians and yourself. Insurance helps you live up to that responsibility by ensuring your ability to cover the costs of potential damages or injuries.
You are also required by state laws to be financially responsible. This requirement is best satisfied through your insurance coverage. In most states, insurance is a prerequisite to registering your car. So if you want to drive your own vehicle, you must be insured.
Companies generally set rates that will allow them to pay the costs of expected claims and other business expenses. In most states, a company’s rates must be reviewed and approved by the state’s insurance department before a company can put them into effect.
Defensive driving courses refresh old skills and teach new ones to help prevent accidents. The driver’s initiative in taking steps to improve driving skills combined with his or her awareness of defensive driving tactics leads many companies to offer a discount.
Just go to www.aarp.org and type Driver Safety into the Search box. In addition to local classes, AARP also now offers a Driver Safety Online Course. Taking either course could help you save money on your auto insurance!
Yes! If you choose to insure your home or condo, as well as your cars, through the AARP Auto & Homeowners Insurance Program, you’ll be eligible for an Account Discount on both your Auto and your Homeowners policies. Renters, too, may be eligible for an Account Discount when they purchase both Auto and Renter’s protection thorough this Program. Call us at 1-800-423-4114 if you’re interested in a Homeowners or Renter’s quote.
In some states, we also offer a Homeownership Credit. This is a credit on your Auto policy if you own a home or condo that is insured with another company. Call us if you need more information about discounts available in your state.
No. With the exception of claims offices, all service is provided either through the mail, on-line or by phone on a toll-free number.