The Hartford Auto Insurance

by Nikola Djurkovic

Carsurance Verdict: The Hartford is an excellent option, not just for senior customers. Just beware those high cancellation fees.

The Hartford Financial Services Group is located in Connecticut, and it is among the midsized insurance companies in the US. As many of The Hartford insurance reviews note, the company offers special prices and benefits to AARP (American Association of Retired Persons) members. Contrary to popular belief, you can join AARP as an associate member even if you are not over 50 years old.

The company presents itself as a friendly, helpful enterprise that offers low prices, outstanding customer service, and excellent coverage. It also has one of the best-looking logos in the business, the mighty red stag on a blue background. Check the rest of this review to see if The Hartford insurance is the best choice for you.

Product Overview

Features

The Hartford is available in all US states. It’s sold exclusively to AARP members; however, anybody can join for only $16 per year and enjoy discounts for food, travel, wellness, health equipment, etc.

The Hartford offers a decent website and an excellent mobile app, which requires a fingerprint scan to log in. It lets you download insurance documents, contact roadside assistance, and start a claim. There’s an online quote option—we were unable to get a quote since an AARP membership is required. Other The Hartford auto insurance reviews also expressed problems with their online quotes.

Since we could not get a quote, we had to rely on other reviews for information on insurance prices. The impression we got is that the company offers average rates for all age categories. When it comes to customer service, the company ranks high in all departments on the global level, and near the top in regional studies. While a few of The Hartford reviews show that it’s not a champion in the discounts and optional coverage categories, The Hartford offers some excellent options, especially for older drivers.

Signature Feature: Fantastic Coverage Combinations for Older Drivers

The Hartford targets drivers over 50 years old, meaning that they should have some fantastic features for said demographic. This turns out to be true, and that’s why we decided to list not one but three impressive features for those in this age group.

The first one is their 12-Month Auto Insurance Rate Protection, which locks your car insurance premium for a year. We’ve seen that some members of the competition may change it after six months. The second one is the Lifetime Renewability Auto Insurance, which guarantees that your policy under The Hartford car insurance will be renewed as long as you can meet certain simple standards. The last great feature is RecoverCare, which is there to help you after you’ve been injured in an accident. It will cover the costs of the daily activities you are unable to perform, like house cleaning, snow removal, dog walking, lawn maintenance, and food preparation and delivery, and it will even pay transportation expenses.

The competition offers some of these options separately, but The Hartford insurance reviews agree that it is impossible to find such a great combination elsewhere. We think these features will be especially useful for the senior population, given the fact that they make auto insurance as hassle-free as possible.

Financial Strength

It should be a top priority to consider an insurance company’s financial stability when choosing the right insurance for your car. If the company is not financially healthy, it will not be capable of paying customers’ claims.

There should be no such worries here since The Hartford insurance company rating from A. M. Best is A+ (Superior), the second best rating possible. Additionally, the company is ranked as 156th in the 2018 Fortune 500 list. All data considered indicates that an average customer can rest assured that The Hartford will pay their expenses in case of an accident.

Types of Insurances Offered

The Hartford offers its additional coverage options through the Advantage Program and the Advantage Plus Program. There aren’t as many options to choose from compared to the competition, meaning those looking for a specific add-on to their insurance policy should also check other companies.

The basic coverage available with The Hartford auto insurance includes collision, comprehensive, property damage liability, bodily injury liability, medical expense, personal injury protection, and underinsured/uninsured motorist protection.

The Hartford Advantage Program

The optional coverage included are as follows:

New Car Replacement Coverage – If your new car is totaled within the first 15 months or 15,000 miles after the purchase date (whichever comes first), The Hartford will provide you with a new car of the same make and model, without a deductible.

Lifetime Car Repair Assurance – The Hartford provides a lifetime guarantee on the repairs completed in one of their 1,600+ authorized repair shops after a covered claim.

The Hartford Car Insurance Advantage Plus Program

The following are the add-ons included in this program:

First Accident Forgiveness – If you have been without a violation for five years, you qualify for this coverage. Your auto insurance premium will not increase after your first at-fault accident.

Disappearing Deductible – If you maintain a pristine driving record, your collision deductible will decrease every year until it vanishes completely.

One Deductible – In case you have multiple vehicles insured or you’ve also bought home insurance from The Hartford, for any shared loss between them you will pay only the highest deductible of the covered items. This is a unique and quite handy offer and a plus brought up in some The Hartford auto insurance reviews.

Waiver of Deductible for a Not-At-Fault Accident – If you were involved in an accident that was not your fault, The Hartford will waive your collision deductible. This coverage isn’t available in all states.

$100 Deductible Reduction – If you were involved in an at-fault accident, you could opt to have your car revamped in one of the repair shops authorized by The Hartford. If you select this option, your deductible will be decreased by $100. This coverage is not available in all states.

Roadside Assistance – This Hartford insurance option is available for regular and classic cars alike. It includes towing, battery jump-start, tire replacement, locksmith assistance, and similar services. In case of an emergency, you can call 1-800-322-7789 at any time to get help. AAA insurance is another option to consider if you are looking for the roadside assistance coverage, since all members of AAA club get this coverage by default.

Classic Car Insurance – The Hartford is one of the many insurers willing to provide special coverage for collectible/classic cars. You can always discuss how to find the best protection for your valued vehicle with a Hartford agent. The same discounts and coverage options available for regular cars are available for classic cars as well.

Customer Service

The scores that The Hartford customer service gets vary significantly depending on the source. In J.D. Power’s ranking, the most reputable study in this subject matter, The Hartford often gets placed near the top. In the claims satisfaction study, the company is ranked 6th overall out of 23 companies, scoring 3 out of 5 stars. Hartford is ranked even higher in the insurance shopping study, holding the 5th place and scoring 4 out of 5 stars. Additionally, the company is in the upper echelon in all regions except for Florida, where it’s ranked the 4th form the bottom.

On the Better Business Bureau website, The Hartford is not accredited—and The Hartford insurance reviews on the BBB show it holding an A+ rating, which is nearly the highest possible. The score based on customer feedback is 1 star out of 5; however, this is normal for the insurance industry.Rating of the Hartford auto insurance in the customer service department.


Contrary to the superb results in J.D. Power’s ranking, Hartford’s NAIC ratio is higher than the median value, at 1.14, indicating that the company gets more complaints than an average enterprise of its size. This result is subpar compared to most of the competition. For instance, Geico, Travelers, and State Farm score 0.62, 0.40, and 0.44 respectively (lower scores mean fewer complaints).

A similar situation is seen on websites like Yelp and ConsumerAffairs, where many customers criticize how The Hartford claims have been processed and how the settlements were too low. Nonetheless, even the companies with outstanding customer service, like Amica and Erie, are not immune from such rants, meaning this should not be a deciding factor when choosing your car insurance.

In the end, we would put our trust in J.D. Power’s ranking, and conclude that the quality of The Hartford’s customer service is little above the industry norms.

Discounts

As noted in a few other The Hartford insurance company reviews, they don’t offer as many discounts as some other companies, like Geico and American Family. However, those available still prove quite useful for most customers. One thing we did not like is that there’s no information on how much the discounts reduce the premium, percentage-wise. We see this problem quite often on insurance websites.

Other companies should take a page from Geico’s book and present their discounts with the exact reduction, showing where it’s available and noting how a discount can vary. That way, we can direct a reader to the company where they will get the highest discount they’re eligible for. In this case, you can only contact The Hartford insurance agents directly to find out. The discounts offered are as follows:

Anti-Theft Device – If your vehicle is equipped with active or passive anti-theft devices (i.e. GPS or alarm), you can get a discount on the comprehensive coverage.

Air Bags – You can save on your premium if your vehicle is equipped with factory-installed airbags. The more airbags a car has, the higher the saving will be.

Vehicle Fuel Type – If the insured vehicle is an electric or hybrid, a discount is available.

Good Student Discounts – If you are a college or high school student aged from 16 to 25 years, you can get a discount if you have a good academic record. For more details, check The Hartford’s website or call The Hartford customer service (1-800-423-6789).

Driver Training Discounts Drivers under 21 years old (under 25 in Georgia) who can provide a certificate of a completed driving course are eligible for a discount.

Defensive Driver Course – If you complete an accredited defensive driving course, you can save on your premium for the next three years.

Bundle Discount – You can save up to 5% on auto insurance and 20% on renters, home, or condo insurance if you decide to purchase it all from The Hartford.

Paid-in-Full Discount If you opt to pay your bill in full at the beginning of the term, a discount is available.

About Insurance Rates

We were unable to conduct our The Hartford auto insurance rate comparison since membership is required for a quote. Because of that, we studied other reviews of The Hartford, to get a glimpse into the prices the company offers. The results were mixed. One website that The Hartford’s prices are slightly below the average while another noted that the company is among the most expensive options.

Perhaps this only shows how your final rate depends on many different factors and that, no matter what reviews say about a particular car insurance company, it is always smart to shop around and get a quote from a couple companies before choosing the one that fits you the best.

The Hartford Compared with Top Competitors

The Hartford vs. Allstate

Since we were unable to get any The Hartford insurance quote, we had to use other parameters in grading these two companies. When customer service is considered, The Hartford has a clear advantage by scoring higher in J.D. Power’s study in both insurance shopping and claims satisfaction categories, ranking near the top in almost all US regions. When comparing their discounts and optional coverage additions, the companies score equally well.

One advantage that Allstate has over The Hartford is its Guaranteed Claims Satisfaction, which gets you a refund if you aren’t pleased with the way Allstate handled your claim. Given how many complaints on claims processing we’ve seen in the insurance industry, this feature proves quite useful.

On the other hand, as so many reviews on The Hartford insurance remind us, The Hartford offers a guaranteed renewal, fixed rate for 12 months and paid care if you are injured in a covered accident. Plus, there are many benefits of being an AARP member. This means that we would advise older drivers to prioritize The Hartford, while we would encourage other age groups to consider both options, along with companies such as Auto Owners, Erie, and Amica Mutual.

The Hartford vs. State Farm

Given the fact that State Farm is among the most expensive options in our analysis, while The Hartford auto insurance reviews note that the company has average prices, it is safe to assume that the latter is a less expensive option.

In the customer service department, The Hartford scores better on all levels in J.D. Power’s regional and national studies. These two companies score equally well when it comes to discounts and optional coverage; however, we would assume that the Hartford is a better option for the majority of drivers. And the benefits of being an AARP member only come as a bonus.

The Hartford vs. Travelers Insurance

Travelers’ prices are near the average, except when it comes to older drivers. For them, the company is more expensive than the competition, indicating The Hartford is a more cost-effective choice. Comparing customer service satisfaction, The Hartford auto insurance has a slight advantage, especially in the insurance shopping department.

Both companies offer a similar number of discounts and optional coverage additions, while The Hartford provides some unique benefits for older drivers and Travelers has excellent coverage for new car owners. This means that the choice between these two companies will likely depend on your profile and your priorities.

Best Alternatives

There are many excellent alternatives according to The Hartford car insurance reviews. Geico and Progressive offer superb rates for all age categories, while the latter company is also willing to accommodate riskier drivers. Amica Mutual and Auto Owners are the right places to go if you are looking for the finest customer service available, while MetLife offers terrific discounts for the associated companies. If you like to be spoiled in optional coverage choices, check Nationwide.

Whichever road you take, you should keep in mind that the overall experience varies based on your location and your profile. Thus, before making a final decision, it’s always smart to acquire a couple quotes from different insurers and see which one fits your needs.

Other Expert’s Thoughts

The Hartford car insurance reviews grade the company a smidgen above the average for the auto insurance industry. The Hartford appears in Temkin Group’s annual customer satisfaction survey, scoring among the elite companies with first-rate customer service. The company was ranked above the big players in the market, like Progressive, Geico, and Allstate.

NerdWallet ranks it 9th out of the 23 companies tested. ValuePenguin gives The Hartford a mixed review, citing the many uneven The Hartford insurance claims processing reviews as a disadvantage and its terrific benefits for those over 50 as an advantage.

J.D. Power’s study on customer service in the insurance industry has ranked The Hartford near the top in both its insurance shopping and claims satisfaction study, while also being near the top in the regional studies for all regions besides Florida. This is perhaps the biggest compliment in all The Hartford insurance reviews.

Frequently Asked Questions

1.   Is The Hartford good insurance for cars?

The Hartford can be a terrific choice for older drivers and those looking for excellent customer service—however, the company is not among the best car insurance providers in the US. This isn’t because there’s something wrong Hartford, it is just that there are companies that score slightly better in the overall metrics.

2.   How do I file a claim with The Hartford?

You can report a claim 24/7, either online or by calling The Hartford (there are different numbers for AARP members and nonmembers). After you file a claim, you can use your The Hartford insurance login credentials to track the claim’s status online. There is even an option to report a claim on someone else policy’s, meaning your insurance agent can complete the process for you.

3.   Does The Hartford offer renters insurance?

Yes, customers can buy renters insurance from The Hartford. This policy typically provides personal property, personal liability, medical payments, property damage to others, and loss of use coverage.

4.   How do I cancel my insurance with The Hartford?

You can start the cancelation process by sending an email to the company, going in person to the nearest representative, or dialing the Hartford customer service number (1-877-805-9918 for AARP customers or 1-800-243-5860 for non-AARP customers). You will need to provide a lost policy release (LPR) to finalize the cancelation.

The Hartford charges a 10% cancellation fee, which is applied to the number of months left until the policy expires. This will be subtracted from the premium refund in case you have paid the policy upfront.

5.   What is The Hartford’s A. M. Best rating?

The Hartford Insurance A. M. Best rating is A+ (Superior), the second best rating possible. As other The Hartford insurance reviews also indicate, the company will have no trouble paying insurance claims.

Leave a Comment

* By using this form you agree with the storage and handling of your data by this website.

This website uses cookies to improve your experience. We'll assume you're ok with this, but you can opt-out if you wish. Accept Read More

Privacy & Cookies Policy