Most auto insurance policies provide the same basic coverages, such as bodily injury, property damage and so on.  So what makes one policy a better choice than another?  Compare the benefits that are offered beyond the basic coverages.

You’ll find the AARP Auto Insurance Program offers a package of benefits and services you won't find all together in most other auto plans.  These features are specifically designed to reward you for your driving experience and make insuring your auto simple and hassle-free.

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• 12-Month Rate Protection:  Because the AARP Auto Insurance Program offers a 12-month policy, your rates are locked in for a full year – not just 6 months like most other companies.
  
  
• Lifetime Renewability:  No need to worry about losing your 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.*
  
  
• 24/7 Claim Hotline:  Our claim professionals are available any time of the day or night, ready to assist you with claim service that is backed by a special 6-Point Claim Satisfaction Guarantee.
  
  
• New Car Replacement:  If you have a total loss of a new car within the first 15 months or 15,000 miles after purchase, we'll pay the replacement cost of a new vehicle -- the same make, model and equipment -- with no deduction for depreciation.

Depending on the auto plan(s) available in your state, you may also be eligible for the following benefits.  In the event that you do have an accident, having these additional features could help you save a significant amount of money.

• First Accident Forgiveness:**  We will waive any premium increase that would normally be associated with your first accident that would have caused a premium increase, provided that all drivers on the policy are free of accidents and major violations for the previous 5 years.
  
  
• 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.
  
  
• Waiver of Deductible for Not At Fault Accident:  In most cases, if an accident is not your fault, you won't have to pay your deductible.  We'll pay the full amount of covered damages – and the deductible as well.
  
  
• $100 Deductible Waiver for Choosing to Use an Approved Repair Shop:  If you choose to take your car to one of our authorized repair shops, we'll waive $100 of your deductible, and you'll receive a guarantee on the workmanship of claim repairs.

Are you getting all the benefits you deserve as an experienced driver?  Compare your current coverage to the AARP Auto Insurance Program.

*  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.  Benefit currently not available in Hawaii, Michigan, New Hampshire, North Carolina and South Carolina.

** 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.  The First Accident Forgiveness benefit is not available in Delaware.