Vehicle Insurance

Vehicle Coverage You Need at Rates You Can Afford

Why Do You Need Vehicle Insurance?

Vehicle insurance requirements can vary by state. This means you’ll need to be sure you get the right coverage for your area, with support from a car insurance company that cares about your best interests. And depending on how many vehicles you have, you may need more than one type of insurance. At the very least, no matter where you live, you’ll need car insurance coverage.

These auto insurance coverages help protect your finances if you’re in an accident. Certain policies can help pay for repairs or replacement if your car is damaged or stolen. For example, if you’re driving and accidently hit your neighbor’s mailbox, this coverage can help pay for damages to your vehicle.

To learn more about the AARP^® Auto Insurance Program from The Hartford,¹ call our specialists today at 888-413-8970. They can help you learn more about your state’s car insurance requirements. You can also get a quote online.

Get a Vehicle Insurance Quote Online

Getting an online car insurance quote from The Hartford is so easy you can do it in minutes. Before you start the quote process, make sure you have your:

Driver’s license
Vehicle registration
Documentation from your current auto insurance

To start saving money, get car insurance quotes from us today.

Save Money on Vehicle Insurance With an AARP Membership

We offer anyone 50 years and older insurance coverage for all their vehicles at affordable rates. Some car insurance discounts and benefits that can help you save money include:

Accident forgiveness: We understand every driver makes mistakes. As long as all the drivers on your car insurance policy have a clean driving record for five straight years with The Hartford, you’ll qualify for accident forgiveness.^‡
RecoverCare: With this benefit, you can get up to $2,500 to pay for transportation, cooking, cleaning and other help you may need if you’re injured in a car accident.^§
Disappearing deductible: Your collision deductible will be reduced over time as long as you maintain a clean driving record.^‡
Bundling your insurance: With our home and auto insurance bundle, you can save up to 5% on your auto insurance and up to 20% on your condo, renters and home insurance.**

To learn more about auto benefits for AARP members through The Hartford, call our representatives today at 888-413-8970.

Common Questions About Vehicle Insurance

What Are the Three Primary Types of Car Insurance?

The three primary car coverage types include:

Liability insurance: This helps cover costs when you’re held legally responsible for a car accident that causes injury or death to the other driver or their passengers.
Collision insurance: If you’re in an accident with another vehicle or object, this coverage can help pay for damages. It can also help cover rollover accidents or someone smashing into your parked car.
Comprehensive insurance: This coverage helps pay for damages to your car from accidents with animals like a deer and non-accident related claims. This includes natural disasters, vandalism, theft, fire and falling objects.

How Much Does Vehicle Insurance Cost?

Vehicle insurance rates vary. Factors that car insurance companies use to help determine your rate include your:

Driving history
Vehicle type
Deductible amount
Average miles driven in a year
Coverage limits
Vehicle’s age

To learn more about your coverage options and how much vehicle insurance will cost you, contact our representatives today at 888-413-8970 or get an auto insurance quote online.

How Do I Calculate My Vehicle Insurance?

We determine your vehicle insurance cost based on factors like driving history and vehicle type, among others. We’ll also need important information to calculate how much your insurance will cost, including:

Your claim and insurance history
The licensed drivers on your policy
How often you use your vehicle
Your credit score
Your zip code

To learn more, read through our car insurance calculator page. You can also call our representatives at 888-413-8970 or get vehicle insurance quotes online.

Last Updated September 24, 2024