All right, now let’s face the reality: drivers aged 75 and older bear somewhat highest risks of fatal accidents in the US. Therefore, it seems to be important to purchase auto insurance for the peace of mind of yourself as well as your loved ones. Today, in insurance industry, many companies provide auto insurance for senior residents, among which the insurance plans from AARP are competitively popular. Why?

AARP, the acronym of American Association of Retired Persons, is non-profit organization for the well-beings of people aged 50 and older. It provides a wealth range of insurance products, travel benefits, health plans, and financial services to the members, ensuring a well-protected life for the seniors. AARP-branded auto insurance program, underwritten by The Hartford, boasts exceptional and extensive coverages on auto vehicles of AARP members.

Highlights & Benefits

As an AARP member, you enjoy the access to a number of exclusive benefits and special protection offered by The Hartford. Listed below is a full package of services and privileges for the members that are not found with many other auto insurers.

• First Accident Forgiveness – As long as all drivers on your policy are free for accidents and major violations in the prior five years, your premium rates will not go up due to your first accident.
• Lifetime Renewability – Once you become a policyholder, your coverage will not expire so long as you are still able to drive and meet some simple requirements.
• New Car Replacement – If you get an irreparable loss to your new car within 15 months or 15,000 miles since the purchase date, The Hartford will help you pay the entire expense for a new car of the same model and equipment alike – without any deduction for the depreciation.
• Disappearing Deductible – If you hold a clean and good drive record, The Harford will reduce your collision deductible by $150. The reduction will continue for each additional year by $50 if you remain the good driving record – until the deductible gets to $0.
• RecoverCare – If you receive injures in an auto accident, this insurance will cover the cost of home services, including cooking, shopping, cleaning and activities alike.
• 12-Month Rate Protection – AARP auto insurance features 12-month policy, so your rates will be fixed for a calendar year, not only 6 months like most other auto insurance companies do.
• 24/7 Hassle-Free Claim Service – It makes your claims process as smooth as you expect whenever you are strapped in an accident.

Basic Coverages

AARP members enjoy a wide variety of auto insurance coverages. Here is a list of coverage options available for your choice on your auto insurance policy. Take a look and see which option best suits your need.

Please take the particular note that not all options are available in all states in the US. For detailed intro and terms of each coverage, you can visit aarp.thehartford.com to view.

• Bodily injury protection
• Property damage liability
• Uninsured motorist bodily injury
• Uninsured motorist property damage
• Underinsured motorist
• Personal injury protection for accidents not at your fault
• Medical payments
• Collision
• Comprehensive
• Full glass
• Towing & labor
• Rental reimbursement

Discount Opportunities

Being an AARP member has lowered the price of your auto insurance from The Hartford. However, you may not know that there are still various discount opportunities to get your insurance rates much lower. Here are several tips you could take advantage of to make your insurance even more affordable.

• Insure Multiple Cars: Are you a multi-car owner? Insure them all with the AARP auto insurance program by The Hartford, which would bring your premiums down on the basis of the already affordable auto insurance policy.
• Insure Your Home & Auto: Get the home and auto insurance bundle with AARP from The Hartford and save on both!
• Take Defensive Driver Course: If you have ever taken defensive driver course, like AARP Driver Safety program, you will be qualified for a discount on your auto insurance for the following three calendar years.

Besides, you can add air bags and anti-theft device to your vehicles that would reduce the risk of horrible injuries and theft. By doing so, you are eligible to receive extra discounts on AARP auto insurance.

Note: This web site is not affiliated in any way with AARP. Always seek financial advices from professionals and find accurate AARP service information on its official web site.