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Elizabeth Rivelli has nearly five years of insurance experience for financial publications. He has experience in various insurances including auto insurance, health insurance, travel insurance, life insurance and more. In his writings, he aims to make insurance more accessible and understandable for people at all stages of life. Elizabeth also writes for several insurance company blogs.
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Michelle is the Editor-in-Chief of The Advisor. He has been a journalist for more than 35 years and has spent the last decade writing about consumer insurance. Before covering insurance, Michelle was a lifestyle reporter for the New York Daily News, a magazine editor covering consumer technology, a foreign correspondent for Time and various newspapers, and a local reporter.
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AARP auto insurance is offered through The Hartford and is only available to AARP members. Drivers who qualify for AARP auto insurance can take advantage of strong coverage options and discounts. AARP auto insurance may be worth considering if additional accident coverage is important to you, but keep in mind that Hartford has a higher than average complaint rate.
The AARP auto insurance program is offered through The Hartford. Since 1984, The Hartford has sold auto insurance exclusively to AARP members age 50 and older. Hartford has an A+ financial strength rating from AM Best.
Liability insurance will pay for injuries to other people and property damage if you cause an accident. If you are sued, it also pays for your legal defense and any settlements and judgments up to your policy. Most states have minimum liability insurance requirements, but you can get more.
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Comprehensive insurance will pay to replace or repair your car if it is totaled or damaged due to issues such as fire, flood, bad weather, theft, vandalism, falling objects and animal collisions. The maximum payment for comprehensive insurance is the actual cash value of your vehicle, less deductibles.
Collision insurance pays to replace or repair your car after it crashes into another car or something like a building. The maximum collision insurance payout is equal to the total value of your car minus the deductible.
Comprehensive insurance is the most common type of optional insurance. Sell together. If you have a lease or loan, your leasing company or lender may require you to buy it.
Uninsured or underinsured motorist coverage pays for your medical expenses if you’re in an accident with an uninsured driver or someone who doesn’t have enough coverage to fully protect your losses. These insurances also cover family members and passengers in your vehicle in the event of an accident. Uninsured/underinsured motorist insurance is required in some states and optional in others.
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PIP insurance is often required in no-fault states and is an alternative. It pays for your medical expenses after an accident, regardless of which driver caused the accident.
Medical insurance (MedPay) pays for medical expenses if you, a family member or a passenger in your car is injured in a collision. It can cover ambulance rides, ambulances, hospitalizations, surgeries, x-rays and rehabilitation expenses up to policy limits.
Competitive AARP auto insurance costs will depend on where you live, among other factors. AARP’s average auto insurance costs are higher than other insurers in Arizona, according to the consultant’s analysis. But AARP auto rates are generally lower than competitors for California drivers in their 60s, 70s and 80s.
AARP rates are available to The Hartford or its affiliates for drivers with good credit who are AARP members. Prices reflect 100/300/100 ($100,000 casualty, $300,000 accidental injury, $300,000 property damage), uninsured motorist coverage, collision and comprehensive coverage with a $500 deductible.
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AARP Trumbull Insurance Co. Car insurance and managed through The Hartford, which owns other subsidiaries. Trumbull Insurance Co. Auto Insurance Claim Level Submission to state insurance departments is higher than the industry average, according to the National Association of Insurance Commissioners.
AARP auto insurance offers accident forgiveness, replacement, and gap coverage, but if you want pay-per-mile or mileage coverage, you’ll have to look elsewhere.
AARP offers accident forgiveness as an endorsement. To achieve this, all drivers on your auto insurance policy must have a clean driving record for at least five years before being eligible for accident forgiveness. Also, this excludes the first at-fault accident, thereby increasing your car insurance rates.
You can add new car trade-in coverage to AARP car insurance for an additional fee. If your car is involved in an accident covered by your insurance policy, new car trade-in insurance will reimburse you for the cost of a new car of the same make and model as your old car. Unlike standard or comprehensive collision insurance policies, new vehicle replacement coverage provides coverage that does not include depreciation.
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Gap insurance is available under accreditation through AARP/The Hartford. Gap insurance is usually required if you lease or finance your car. Gap insurance, sometimes called loan/lease coverage, covers the difference between what you owe on a car loan or lease and the value of your totaled or stolen vehicle. If you don’t have gap insurance and the outstanding balance on your loan or lease exceeds the value of your car, you’ll be responsible for paying the rest of the loan yourself.
AARP auto insurance customers can take advantage of the discount. This optional benefit can lower your collision insurance deductible as long as you maintain a clean driving record. However, the AARP deductible is not available in all states.
AARP/The Hartford offers a usage-based auto insurance program called TrueLane by The Hartford. It’s a smartphone app that tracks driving behavior and rewards drivers with special discounts for displaying safe driving habits. You can get an automatic discount of up to 12% on registration and an additional discount of up to 25% when renewing your policy.
You cannot purchase pay-per-mile insurance through AARP. These policies are designed to help infrequent drivers get cheaper car insurance. Instead of paying a fixed monthly premium, drivers with per-mile insurance install a device in their car or use an app that tracks the number of miles they drive. This information is sent to the insurance company, which charges the driver for the distance traveled during the billing period.
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AARP does not offer carpool insurance. If you drive for a ride-sharing company like Uber or Lyft, you may need to get a car insurance policy that covers driving elsewhere. Your personal auto insurance policy may not provide adequate coverage when you drive for a ridesharing service.
AARP auto insurance offers roadside assistance coverage. The basic plan costs $60 for the first year of coverage, with a 10% discount for AARP members. This includes two service calls per year for an individual or three for a couple. Services include battery charging, tire damage, fuel delivery, lockout assistance and towing with a limited range of 10 km.
AARP offers a variety of auto insurance discounts. The following discounts are available, but please note that some discounts are not available in all states.
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