Shopping for car insurance can be overwhelming.
With dozens of options, it can seem impossible to find the best car insurance.
That’s where we like to step in.
This AARP auto insurance review is designed to make the process as smooth as possible for you.
Directly below, we have broken down the critical information you need to know about AARP auto insurance coverage.
AARP auto insurance is a reputable and long-standing option in the industry since the mid-1950s.
AARP does require you to have an active membership in order to consider auto or homeowners’ insurance.
However, if you do have this membership and have a clean driving record, AARP may be one of your best options for auto insurance coverage.
Especially if you plan to bundle your homeowner’s insurance.
AARP does offer a few discounts but less than other major insurance providers relative in size.
Overall, AARP can compete with rates for some areas of the U.S. if you do qualify for the few discounts offered, have a clean driving record, and decide to bundle coverages.
If you have the membership active and valid with AARP, we do recommend running auto insurance quotes with the company.
We do also recommend that you compare this rate with several other car insurance providers near you before ultimately making any decisions.
That’s the most streamlined way to explain AARP auto insurance.
If you need more details than what was provided in the brief overview of AARP, we recommend you check out the full review of the company directly below.
We have also created easy to navigate links that will allow you to skip to any specific section of this post that you need or desire to learn more about.
Here’s what we intend on covering:
- Our AARP Auto Insurance Review
- AARP Financial Strength Ratings
- AARP Consumer Complaints and the BBB
- Car Insurance Coverages Offered
- Cost of AARP Car Insurance
- Discounts Available
- What Makes AARP Unique?
- Who Should Consider AARP?
- How to Apply With AARP?
- Pros of Choosing AARP
- Cons of Choosing AARP
- Final Thoughts
In our review of the company, we plan to break down all the topics you see listed directly above.
Here’s what you need to know.
Our AARP Auto Insurance Review
Here’s where it can be relatively confusing for consumers when it comes to auto insurance offered through AARP.
AARP auto insurance coverage is offered and underwritten through The Hartford.
It’s designed to reward members for being safe and or experienced drivers with clean driving records.
It’s most known for having annual renewability based on simple requirements.
AARP is typically more well known by consumers for life insurance products, and many are not aware that auto insurance coverages are available.
Part of this is simply due to the membership being required.
AARP is considered a U.S. based interest group that offers coverage to consumers with the motto of “empowering people to choose how they live as they age”.
AARP is a well-known, established company that you may be familiar with from late-night television commercials.
AARP has been in the industry since 1958 and was initially founded by Ethel Andrus.
Currently, in 2019, AARP has more than 38 million active members, and it’s business model focuses around offering paid memberships and marketing insurance products.
AARP Financial Strength Ratings
Financial strength ratings are always essential to consider when searching for any form of insurance coverage.
This is because we don’t plan on needing the company, but when we do need them, we want the ability to collect large sums of cash quickly in the form of claims payments.
Financial strength helps consumers understand if a company can stay true to their promises and liabilities.
With auto insurance and AARP, you technically wouldn’t worry about the financial strength of AARP but focus your attention on The Hartford.
Luckily, The Hartford is a well-recognized company in the industry that is backed by substantial financial strength numbers and ratings.
As of 2019, The Hartford is currently is being provided an A+ rating from A.M Best in addition to an A1 rating from Moody’s.
While these aren’t the highest ratings you can be provided, they are certainly very close and nothing to be concerned over working with AARP for auto insurance coverage.
AARP Consumer Complaints and the BBB
For having over 38 million members, AARP does a stand-up job in this department, as well.
Currently, AARP is being provided an A+ rating from the BBB, with only 253 complaints closed in the past 3 years.
For having this vast number of members, these are relatively impressive numbers.
As a consumer, you need to expect some of the more abundant life insurance companies to have some complaints.
It’s critical to only compare their overall numbers to other companies relative in size.
As an agency that provides unbiased reviews, we wouldn’t be concerned much with this aspect of AARP and worry more about the other aspects of the company, such as coverages offered.
Car Insurance Coverages Offered
AARP quietly is regarded as one of the highest-rated car insurance options.
AARP will offer all the necessary and standard car insurance options you are accustomed to seeing with other major car insurance providers.
This can include coverage options, such as the following:
In addition, AARP does offer its members other unique coverage options that include these additional add on options:
Towing Coverage- This allows you to cover the cost to tow your vehicle to the nearest repair shop in the event of a breakdown.
Roadside Assistance- This coverage allows you to have 24/7 help in the event you become stranded on the road.
To get in touch with roadside assistance as a current AARP policyholder, you can simply call 1-800-322-7789.
True Lane- This is the telematics driving behavior tracking implemented by the Hartford.
It allows you to be rewarded by reducing your premiums based on safe driving behaviors.
Safe driving behaviors can reward with you a 5 percent discount on your annual car insurance premiums.
Disappearing Deductible- This coverage allows you to slowly remove your collision deductible up to 100% If you remain accident and claim free for 5 years.
Accident Forgiveness- Allows you to have your premiums remain stable after your first accident.
Recover Care- This coverage is allowing you to have an additional $2500.00 in payments sent to you to help with cleaning, cooking, and transportation if you are injured in a vehicle accident.
New Car Replacement- Allows you to cover the cost of a new vehicle if you total your car within the first 15 months of purchase or the first 15,000 miles on the car.
12 Month Rate Lock- Allows you to keep your rate locked for the entire year as opposed to what most other companies offer, which is the standard 6 months rate lock.
Lifetime Renewability- This is a unique coverage offered.
This allows you the option always to be insured regardless of your driving record convictions and accidents.
In a few states, certain conditions must be met, but overall, the coverage is straightforward.
Speak to an agent to gain further details and insights if you need further details.
Cost of AARP Car Insurance
Equally as important as the coverages offered by the company Is the cost of the coverage for you.
Compared to other major car insurance providers, here’s how AARP stacked up.
However, this does dramatically depend on your location, and if you bundle your homeowner’s insurance with your auto coverage.
AARP tends to be the cheapest in certain regions for members that elect also to carry homeowner’s insurance.
Outside of that, for robust and complete coverage at the lowest prices, other major providers may be a better option for you.
It’s always recommended to compare rates with 5-6 companies before ultimately making that decision.
AARP does offer a few discounts to members who elect to purchase auto insurance.
Compared to other companies, it is a smaller list of discounts, but nonetheless, savings is savings.
Here’s the discounts available:
Defensive Driving Course- This option is allowed in 35 states and requires the driver to be a member of AARP and complete a state-approved defensive driving course.
Homeowner Bundle- Up, to 5% discount, applied if you bundle homeowner’s insurance.
Telematics Discount- This discount piggybacks of the Hartford’s telematic driving device and if offered to individuals with safe driving behaviors.
What Makes AARP Unique?
AARP is unique in a few ways.
Additionally, it’s one of the few providers that require a membership.
Lastly, AARP does have outstanding service, according to the BBB and independent review agencies.
Overall, they may or may not be the best option you can choose, but they are certainly a unique provider that deserves the chance to present a quote if you currently hold a valid AARP membership.
Who Should Consider AARP?
This is obvious.
Anyone who is currently an AARP member should at least consider AARP.
Additionally, anyone who wants outstanding service and desires to bundle coverages would make great candidates for AARP auto insurance coverage.
How to Apply With AARP?
To apply with AARP, you need to be an AARP member.
Plain and simple.
From here, the process is easy.
Simply apply online by entering your information and geographical data, and you can begin accessing your rates.
Pros of Choosing AARP
All insurance providers have some great strengths and some clear weaknesses.
After our complete review of AARP, here’s what we believe to be the most significant benefit of working with the company.
- Great Customer Service Ratings
- Backed by The Hartford (Reputable and Financially Stable)
- Great for Bundling Coverages
Cons of Choosing AARP
On the other hand, here’s what we believe needs improvement from AARP
- More Robust Platforms Are Available
- Limited Discounts Available
- Membership Required
AARP should be a company at the top of your list to run a quote with if you currently have an active and valid membership.
Just remember that you need to run these quotes with several auto insurance providers to ultimately achieve the best rates and the most robust coverage available.
Best of luck in your search.