AARP Car Insurance

AARP car insurance: The American Association of Retired Persons, also known as AARP, is a membership-based organization for people over 50. It offers various perks and benefits for its members. Along with the amazing benefits, members of AARP are eligible for the car insurance coverage offered by the company through The Hartford. This car insurance partnership allows members to enjoy discounts and other perks that benefit drivers over fifty.

AARP Car Insurance

The auto insurance product is designed specifically for older drivers, offering customized coverage and competitive rates. With a focus on meeting the unique needs of seniors, AARP provides comprehensive protection for vehicles and drivers alike. Their policies come with a range of advantages, ensuring that mature drivers can drive with confidence and peace of mind.

Whether it’s coverage for everyday commuting or long-distance travel, AARP car insurance has options to suit every senior driver’s needs and budget. AARP car insurance may be worth looking at if extra coverage for accidents is essential to you.

What Car Insurance Policy does AARP offer?

Just so you know, AARP provides all the core types of auto insurance for its customers. Check them out below.

Comprehensive Insurance

This will help to repair or replace your vehicle if it gets damaged due to problems such as theft, folds, falling objects, animals, severe weather, fire, or total damage. The payout for this policy is the actual cash value of your car if it gets totaled, minus the deductible.

Liability Car Insurance

This policy pays for other people’s property damage or injuries if you cause an accident. It will also pay for your legal defense, settlements, and judgments, up to your policy limit. In most states, there are minimum liability insurance requirements, but you can purchase more.

Collision Insurance

This insurance policy helps to repair or replace your car if it crashes into an object, such as a building or another car. The maximum payout for this policy is the value of your vehicle if it gets totaled, minus the deductible. Comprehensive and collision insurance are optional coverages that are typically sold together. If you have a loan or lease, the lender or leasing company may require you to purchase them.

Personal Injury Protection

PIP insurance is required in some states and optional in others. It helps to pay for medical bills after an accident, regardless of who is at fault.

Medical payment insurance

This coverage reimburses medical bills if you, a passenger, or a family member in your car gets injured in a collision. It will help cover the costs of emergency room care, surgery, x-rays, ambulance rides, rehabilitation, and x-rays up to the policy limit.

Uninsured or underinsured motorist insurance

Uninsured or underinsured motorist insurance steps in to cover your medical expenses if you’re in an accident with a driver who doesn’t have insurance or lacks sufficient coverage to pay for all your damages. This coverage isn’t just for you; it also extends to your family members and passengers traveling with you. While some states make it mandatory, in others, it’s up to you to decide if you want this additional protection.

How Much Does AARP Car Insurance Cost?

The insurance cost of this company will depend on where you live, among other factors. Based on our research, the average cost of this organization is higher than that of other companies in Arizona and low in California for drivers of the ages of 60, 70, and 80. You can visit their official website to learn more about the cost. You can also visit an individual agent.

Auto Insurance Discounts

Just like I have mentioned above, AARP offers a good number of car insurance discounts. The below discounts are available, but not in all states

  • Defensive driver course: If you’re an AARP member and you complete a defensive driving course that’s approved, you can enjoy a discount on your car insurance for three years in a row.
  • Hybrid/electric vehicle owners may qualify for a discount.
  • Pay in full: If you pay your annual premium upfront and in full, you can qualify for a discount.
  • Policy bundling: Save money by bundling your auto and homeowners insurance policies with The Hartford. AARP members can enjoy discounts of up to 5% on car insurance and up to 20% on home, renter, or condo insurance when they bundle their policies.
  • Safety features: if you equip your car with certain safety features, such as multiple airbags and an anti-lock, you can get a premium discount.
  • Safe driver training course; if a driver is listed on your policy and is under 21 years old, you can get a premium discount if they complete a safe driver training program.
  • TrueLane program: Members who enroll in this program, usage-based, can earn up to 12% off their car insurance for signing up and a discount of about 25% for renewing.

Does AARP Car Insurance offer Accident Forgiveness?

Yes, the organization offers accident forgiveness as an endorsement. For you to qualify, the drivers listed on the policy must have a clean driving record for 5 years. It waived your first at-fault accident, so it may raise your rates. Just so you know, accident forgiveness is not available to California drivers.

Does AARP Car Insurance provide new car replacements?

You have the option to include new car replacement coverage with AARP car insurance for an extra cost. With this coverage, if your car is totaled in a covered accident, you’ll be reimbursed for the cost of a new vehicle that’s similar to your old one in make and model. Unlike regular collision or comprehensive insurance, new car replacement coverage gives you a payout without factoring in depreciation.

How can I buy a car insurance policy from AARP?

To get car insurance through AARP, you can start by visiting their website or calling their customer service. They’ll guide you through the process of getting a quote and purchasing a policy that suits your needs.

You’ll need to provide some basic information about yourself and your vehicle, such as your driving history, car make and model, and desired coverage options. Once you’ve chosen a policy, you can complete the purchase online or over the phone. AARP offers competitive rates and discounts for members, making it a convenient and affordable option for car insurance.