For decades, Hartford has been the foremost provider of car insurance for drivers over the age of 50. They’re well known for their partnership with AARP and investment and financial services, in addition to their insurance services.
Aging drivers are able to enjoy a variety of insurance benefits and services; all have agreeable costs with opportunities for several discounts. Car insurance rates are known to increase when drivers turn at least 65, and this is the ideal coverage for them. The car and homeowners insurance bundle continues to be one of their bestselling insurance products. But how does Hartford stack up as an insurance provider overall?
What Policyholders Say Are The Best Parts of Hartford Insurance
With their specific clientele, Hartford is often praised for everything that makes an insurance company reliable, like their claims process, customer satisfaction, savings, and the variety of their insurance products. The following are examples of such.
RecoverCare Coverage
This Hartford exclusive coverage insures any policyholder that is injured in a car accident and unable to perform housework. RecoverCare reimburses all expenses that will arise from this. This an especially handy coverage for aging policyholders.
Lifetime Car Repair Assurance
As long as you own the vehicle you insured with Hartford, any repairs with an approved auto shop will always be covered –this is assured.
Advantage Plus Program
This tier of insurance with Hartford offers several coverages, such as first-time accident forgiveness, disappearing deductible, and a waived deductible for a not-at-fault claim. This extra car insurance at an agreeable cost can go a long way for some drivers.
Good Financial Standing And Claims Process
Several people look for a good, financially stable insurance provider with a timely and reliable claims process –Hartford is both of these. Its long history and practice, coupled with its 24/7 claims process with good settlements, make for an all-around desirable insurance provider.
How Happy People Are With Hartford Insurance
Hartford goes above and beyond with their customer satisfaction, and that is no exaggeration. Claims and customer satisfaction consistently rank highly and above average with insurance review publications like J.D. Power. Other aspects of Hartford that earn them this glowing reception are:
- AARP members get special benefits
- Local agents are available for personal experiences
- Several discounts
- Ideal bundling of property and car insurance
- Several discounts for those who are at least middle age
What Policyholders Say Are The Worst Parts About Hartford Insurance
The two biggest drawbacks to Hartford insurance are that it’s clearly meant for a specific driver group, and some of their overall customer reviews aren’t entirely positive. At the same time, there is always a chance that any given driver can save more with another provider other than Hartford.
Drivers Under The Age 50 Won’t be Able to Get Coverage
Hartford exclusively serving drivers over the age of 50 does create a limit on the number of customers they are able to serve. So new drivers and younger ones would be better off with another insurance provider.
Customer Reviews Are Mixed
There is some considerable negative feedback when it comes to Hartford’s ability to tackle some settlements and make quick changes to any given policy. Other criticism is directed at their general customer service, which is better in some areas than others.
The Drivers That Benefit The Most From Hartford
There is no long list of drivers that benefit the most from an insurance policy from Hartford. The ideal Hartford policyholder that will save the most is those that are over 50 and own a home. Not only will they be able to enjoy the most protection, but they’ll also have it all for an extremely good value.
Hartford will look at a variety of personal factors such as car, driving history, and home if you plan to bundle coverages. At the age of 50, you’ll have these all established at this point. It’s actually this age group that tends to pay the least for insurance as well.
Things to Consider When Getting Car Insurance
It’s important to at least consider some of the following factors when going car insurance shopping. You should have a clear idea of your driving habits, along with anything you can personally influence to make your car insurance more affordable. These include:
- How much you drive – At the age of 50, are you still working? Perhaps you have retired early and don’t drive as much as the average American driver. You should have an idea of your annual mileage as it helps gauge how much your car insurance could be.
- Your credit score – You should have an established credit history at this point in your life as well. Much like your driving record, the better your credit score is, the lower your car insurance rates will be.
Final Thoughts About Hartford Insurance
If you are looking for affordable and vast coverage in your middle age years, then Hartford is for you. These specialized insurance companies think of every risk and everything that can go wrong during this point in your life. How well they follow through on providing these protections is based on individual experience, however. Still, it never hurts to look at a Hartford car insurance quote.
Visit Hartford at https://www.thehartford.com/