The Hartford was established in 1984 as the sole provider of home and car insurance for members of the American Association of Retired Persons. Hartford was established in 1810. According to market data released by the National Association of Insurance Commissioners, Hartford is the 19th largest auto insurer in the United States. Seniors love AARP.
AAA auto coverage is only available to AAA members of various clubs across the country. NAIC’s 2020 market survey listed two such AAA clubs at spots 11 and 20. Together, they account for 2.16% of America’s overall market. In related club formats, AAA was founded in 1902 by early car enthusiasts. Today, it is one of the most well-known car insurances because of its travel planning and roadside assistance.
Comparison of AARP and AAA car insurance rates
Both of these top member-based auto insurers receive strong rankings from the reporting groups. J.D. has given AARP a slight advantage in financial strength and a positive customer satisfaction rating. Power. AAA is less expensive than AARP in terms of annual premiums, but careful consideration to the many discounts offered by AARP will likely lead to more competitive options with The Hartford.
Rates based on credit score
Many states allow auto insurers to use driver credit scores when pricing car insurance policies. This practice is not allowed in all states, such as California, Hawaii and Maryland. AAA is more accommodating than AARP in raising premiums for drivers with poor credit while AAA charges a higher average cost for those with low credit scores.
Rates based on age
AAA and AARP both consider age when determining premiums. This is consistent with the industry belief that teens drive at the highest risk. Premiums tend to decrease once a driver turns 25.
Driving record rates
The following chart illustrates the dramatic effect that driving offenses and accidents can have on car insurance premiums. AARP premiums and AAA premiums rise significantly when there are more serious offenses, especially a DUI conviction. This coverage is prohibitive for drivers who have been convicted of DUI.
Discounts: AARP vs AAA
AARP offers a variety of benefits and discounts only to its senior members. AAA offers many benefits that go beyond auto insurance, including discounts . Both companies offer many options to improve policy affordability and discounts.
AARP
- Vehicle discounts: These are for safety features like anti-lock brakes and more than one airbag. Efficiency and environmental improvements can be made with hybrid or electric vehicles.
- Discounts on driver training: This category includes discounts on defensive driving courses and certain training for young drivers.
- Bundling: You might get a discount when you combine your auto and home insurance with AARP.
AAA
- Loyalty Discount: This discount is available to policyholders who have been consistent with renewing their car insurance policies.
- Companion Discount: This discount is for bundling car and home insurance with AAA.
- AAA offers multiple vehicle discounts: You can save money by insuring more than one vehicle.
Comparison of AARP and AAA online and mobile experiences
The Hartford App, a highly-rated mobile app , is awarded high marks by AARP for its overall customer experience. The Hartford app, which is secured with fingerprint sign-in, allows members to quickly arrange roadside assistance or submit claims. It has been rated 4/5 on iTunes and 3.9/5 on Google Play.
AAAMobile extends its reach beyond policy management. AAA Mobile offers travel, lodging, and entertainment options to AAA members, allowing them to create detailed plans for shopping and vacations. It is rated 4.2 on both Apple and Google.
Questions frequently asked
Which are the top car insurance companies?
There is no one best car insurer for everyone. The best carrier for you will depend on your individual needs and driving history. It is a smart idea to get advice, compare quotes and find the right one for you.
What can I do to get affordable coverage if I have a bad driving record?
In these cases, there are some car insurance companies that might offer more affordable coverage. It is worth researching the market to find out more about your options and how you can improve your driving record. Many car insurance companies will inform you of other discounts that might be available to offset your poor driving record.
Does cheap auto insurance provide inadequate coverage?
Not necessarily. The cost for car insurance is determined by many factors, including driver characteristics, vehicle history, location, and discounts. It is important to compare a variety of quotes in order to find the best price and policy that meets your needs.