The Hartford car insurance review April 2018 | finder.com

The Hartford car insurance review April 2018

From first accident forgiveness to 12-month rate protection, compare custom car insurance policies from The Hartford.

With The Hartford’s auto insurance, you can get a policy tailor-made for you. You can also find safe driver discounts and loyalty perks. Weigh your priorities and how they align with what The Hartford has to offer, and compare options before you commit to a provider.

Name The Hartford Car Insurance
Description From first accident forgiveness to 12-month rate protection, you can get a policy tailor-made for you with The Hartford auto insurance. You can also find safe driver discounts and loyalty perks.
Features

  • Accident forgiveness

  • 24/7 claims hotline

  • Customized options ideal for drivers age 50+

Pros

  • 12-month rate protection
  • Lifetime renewability for AARP members
  • First accident forgiveness
  • New car replacement coverage
  • Lifetime car repair assurance
  • RecoverCare post-accident support
  • 24/7 claims hotline

Cons

  • Early cancellation fees
  • Not ideal for drivers under 50
  • Mixed customer reviews

What is The Hartford?

The Hartford is a Fortune 500 insurance, finance and investment company, founded in 1810 and headquartered in Hartford, Connecticut. It partners with AARP to provide home and auto insurance, dividing its earnings among property-and-casualty operations, mutual funds and group benefits.

The Hartford was initially founded as a fire insurance company over 200 years ago by a group of merchants with $15,000. Over the years, it’s insured the construction of the Hoover Dam, the Golden Gate Bridge and the St. Lawrence Seaway.

What types of basic auto insurance does The Hartford offer?

  • Liability protection. Pays when you’re at fault for an accident that results in property damage or bodily harm.
    Collision and comprehensive damage. Pays for damages to your car if you hit another car or object. It also pays for damages not within your control, like those resulting from fire, flooding, hail, theft or vandalism.
  • Personal injury protection. PIP covers medical bills and indirect expenses that result from an accident, filling in the gaps between your medical insurance and actual billed costs.
  • Uninsured motorists. Pays for damages or injuries to you and your passengers caused by a hit-and-run or accidents with uninsured or underinsured drivers.
  • Underinsured motorists coverage. Takes care of the gap between someone else’s policy limits and the actual cost of your medical expenses after an accident.
  • Extended coverage. This takes care of flatbed towing, roadside assistance, full glass replacement and even spare parts coverage.

What other types of coverage can I get from The Hartford?

The Hartford offers just about any type of vehicle insurance: classic cars, boats, RVs, ATVs — even coverage for your golf cart or snowmobile.

And if you own a home or business, you can pick up policies to cover everything from flood or fire damage to data breaches and workers’ compensation.

Pros and cons

Pros

  • 12-month rate protection. This means once you sign up for a policy, you’re guaranteed that rate for the next year.
  • Lifetime renewability for AARP members. As long as you’re able to drive and you pay your premiums, you can be with The Hartford for life. They have a no-drop policy, meaning you won’t lose your insurance for filing a legitimate claim.
  • First accident forgiveness. Keep a clean driving record for five consecutive years, and you qualify for no rate increase if you’re in an accident.
  • New car replacement coverage. If your new car is totaled or stolen, the provider will replace it with the same new vehicle or a similar option that’s worth the same amount.
  • Lifetime car repair assurance. The Hartford backs the workmanship of any repairs made under a claim for the lifetime of your policy — so if anything shakes loose after you leave the auto shop, you’re covered.
  • RecoverCare post-accident support. This pays up to $2,500 for help with cooking, cleaning, grocery shopping, and transportation if you’re injured in an accident.
  • 24/7 claims hotline. You’ll have access to customer service at all hours — because problems don’t just come up during the normal workday.

Cons

  • Early cancellation fees. If you cancel a policy before your term is up, you could be hit with a fee of 10% of your policy or more.
  • Geared toward ages 50+. The Hartford partners with AARP for its individual insurance services, and some of its policy options may not be optimal or even available for younger people.
  • Mixed reviews. While customers on TrustPilot commended The Hartford for their excellent customer service, the Better Business Bureau (BBB) saw nearly 300 customer complaints about their services and billing issues.

How to apply for The Hartford car insurance

Applying for coverage means providing details about drivers and the vehicle you are looking to insure. Here’s the info you’ll need to get a quote started.

  • Name and date of birth
  • Residential address
  • Contact information including email and phone number
  • Vehicle information including daily commuting distance
  • Claim history
  • Education history and employment status

What do customers have to say?

The Hartford has an A- independent rating from the BBB and is not accredited, although that doesn’t necessarily reflect badly on the company. BBB accreditation isn’t mandatory, and seeking that accreditation doesn’t suit all businesses.

The Hartford is rated excellent in terms of financial stability, receiving an “A” grade from Standard & Poors and similar marks from other institutions, for an overall BBB composite score of 3.23 out of 5 stars. However, the company received nearly 300 customer complaints, with the majority focused on problems with their products/services and billing/collection issues.

TrustPilot gave a more favorable score of 9.4 out of 10 stars, and 91% of the customers who reviewed The Hartford there gave it an “excellent” rating. Many of the customer reviews praised the insurance company for their great customer service and ability to help them save money.

Bottom line

While The Hartford’s individual policies might be geared toward older policyholders, this provider most likely has a plan that suits your car insurance needs and requirements.

Because insurance rates and levels of coverage vary based on your driving history and needs, you could qualify for more affordable insurance with another provider. Narrow down your options by comparing top providers to make an informed decision.

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