The Hartford Auto Insurance Review

When you think about The Hartford is it because of the buck that is on their TV commercials or is it because they are recommended by AARP?

 

In reality, many people don’t differentiate between AARP and The Hartford because they appear to be linked in many ways.

 

To be clear, The Hartford is an auto insurance company and AARP is not. So when you think you are buying auto insurance from AARP, you really aren’t. This article is not about AARP. It is about The Hartford Auto Insurance and our review of the company and its auto policies.

 

NOTE: We are not The Hartford. To speak with a representative of The Hartford, call (877) 896-9320 or you can contact them through their website at thehartford.com.

The Hartford Insurance Company
690 Asylum Ave
Hartford Plaza
Hartford, Connecticut, 06105

 

About The Hartford Insurance Company

The hartford logo

The Hartford Financial Services Group, Inc., also known as The Hartford, operates as an America based insurance and investment company. Headquartered in Hartford, Connecticut, The Hartford is one of the top-rated insurance companies and is the 12th largest property and casualty insurer in the U.S.

The company was founded in Hartford, Connecticut back in 1810 when a group of merchants in the area invested their personal capital to create the company. Since then, The Hartford has weathered turbulent times as an insurer covering the losses of its policyholders which included the great fire that decimated New York’s financial district.

Since its inception, The Hartford has acquired numerous successful insurance companies that have allowed the company to grow its footprint and outpace most of its competitors.

 

Financial Ratings and Stability of The Hartford

 

Certainly, when an insurance company appears to be a giant (continuous advertising) most people think they are a giant. With The Hartford, the company’s appearance does demonstrate the financial stability of the company however, this is not true for every insurance company that advertises constantly to the public.

It is, however, a very easy task to confirm whether any insurer has the financial ratings that will provide a strong indication that they will be there when you need them.

 Here are The Harford’s ratings from the national rating services: 

 

Rating OrganizationCurrent Rating
A.M. BestA+
Moody’s Investors ServiceA1
Standard & Poor’sA+

Click here for more information about The Hartford.

 

Insurance Products from The Hartford

 

As we mentioned earlier, insurance company acquisitions have enabled The Hartford to offer insurance products across the spectrum from personal auto insurance to workers’ compensation insurance:

 

AutoHomeBusinessEmployers
Auto InsuranceHomeownersBusiness InsuranceEmployee Benefits
Classic Car InsuranceRenters InsuranceSmall BusinessVoluntary Benefits
RV InsuranceCondo InsuranceGeneral LiabilityAbsence Management
ATV - Golf CartFloodWorkers' Comp
Boat InsurancePersonal UmbrellaProfessional Liability
SnowmobileCommercial Auto

 

Auto Insurance from The Hartford

red sports car image

 

Although the basic auto coverages provided in the Personal Auto Policy package form are offered by The Hartford, the company goes much further to help its policyholders protect themselves, their passengers, and their vehicles with The Harford’s Advantage Program.

 Here are the basic coverages vehicle owners can choose from: 

 

COVERAGEDESCRIPTION
Bodily Injury LiabilityPays for injuries to other drivers or passengers in an at-fault accident subject to the limits in the policy.
Property Damage LiabilityPays for repairs or replacement of another person's vehicle or property during an at-fault accident subject to the limits of the policy.
Medical PaymentsMedical Payments covers medical expenses for you and other passengers in your vehicle in an accident no matter who's at fault. This coverage will even cover you for injuries sustained in another person's vehicle or as a pedestrian up to the limit in the policy.
Personal Injury Protection (PIP)PIP covers the driver, all passengers, or a pedestrian involved in an accident no matter who's at fault. PIP helps pay for medical expenses, lost wages, loss of services, and funeral expenses up to the policy limits. This coverage is typically mandatory in "no-fault" states.
Uninsured/Underinsured MotoristUninsured/Underinsured motorist covers your medical expenses if the other driver (at-fault) is uninsured or underinsured. Some states also allow uninsured/underinsured property damage that covers your vehicle as well.
Comprehensive CoverageComprehensive coverage pays to repair or replace your vehicle after a non-collision event such as fire, vandalism, theft, or acts of nature subject to your deductible.
Collision CoverageCollision coverage pays to repair or replace your vehicle after an accident that involves another vehicle or object subject to your deductible.
Emergency Roadside AssistanceRoadside assistance is available if you are locked out of your vehicle or required roadside assistance like a tire change or fuel for an empty tank. Your coverage for each event is subject to the limit you purchased on your policy.
Rental ReimbursementRental reimbursement helps pay for rental expenses if you are in an at-fault accident or
hit by an uninsured driver. Most policies will have a limit per-day and per-accident.

 

With The Hartford’s proprietary Advantage Program, policyholders will have access to the following additional benefits:

  • Lifetime Renewability – Once you become an auto policyholder with The Hartford, your auto policy is guaranteed to be renewed as long as you have a valid driver’s license and you continue to pay your premiums.
  • 12-Month Rate Protection – Unlike most auto insurance companies, the auto policy from The Hartford has an annual term rather than semi-annual.
  • RecoverCare – RecoverCare is an assistance program provided by The Hartford that reimburses an injured policyholder if they have to hire a third-party to help with household and transportation services.
  • New Car Replacement – If your new car is totaled in an accident within the 15 months of the purchase or 15,000 miles (whichever comes first), The Hartford will replace that car with a new car that is the same make and model without regard to depreciation.
  • Lifetime Repair Assurance – If your car is damaged after a covered claim and is repaired at one of The Hartford’s authorized repair shops, the repairs will be guaranteed as long as you own or lease the vehicle.

But wait! There’s more…

On top of the valuable coverages that you’ll receive with the Advantage Program, The Hartford provides even more coverage under the Advantage Plus Program:

  • First Accident Forgiveness
  • Disappearing Deductible
  • One Deductible
  • Waiver of Deductible for Not-at-Fault Accident

 

Click Here to compare the Advantage Program with the Advantage Plus Package.

 

The Hartford Auto Insurance Discounts

 

With any auto insurance company, the final rate you pay for car insurance substantially depends on the discounts that the company offers and you qualify for. The Hartford’s list of auto insurance discounts is pretty lengthy:

  • Anti-Theft Device
  • Air Bag and multiple airbag discount
  • Hybrid or Electric vehicle discount
  • Driver Training and Education
  • Good Student Discount
  • Defensive Driver Course Certificate
  • Multi-Policy Discount (auto policy bundled with homeowners or renters insurance)
  • Pay-in-Full
  • AARP Membership Discount

 

What others are saying about The Hartford Auto Insurance

people talking

It’s always a good idea to check the feedback an insurance company is getting online. Although some negative comments are typically from disgruntled former employees, you can get a very clear picture of an insurance company by checking the various rating platforms. Here’s what we found for The Hartford Auto Insurance:

  • D. Power – 3 out of 5 stars for Overall Customer Satisfaction
  • WalletHub – 4.5 out of 5 stars
  • Clearsurance – 4.13 out of 5 stars (750 reviews)
  • EverQuote – 3 out of 5 stars
  • US Insurance Agents – 3.29 out of 5 stars (186 reviews)

 

The Bottom Line

 

Although The Hartford lags behind other auto insurance companies when it comes to the lowest-rate crowd, those insurance shoppers that are more concerned about additional coverages, claims service, and the company’s reputation for keeping its promises, would likely find that The Hartford Auto Insurance should be on the “short-list” of companies to consider.

Frequently Asked Questions

How are The Hartford’s financial ratings?

LIRP index options

The Hartford is rated very high by the national rating services:
A.M. Best: A+
Moody’s: A1
Standard & Poor’s: A+

Does The Hartford offer Classic Car Insurance?

Yes they do! The Hartford offers custom auto policies for classic, antique, and customized vehicles.

How does the RecoverCare program work?

RecoverCare is an assistance program provided by The Hartford that reimburses an injured policyholder if they have to hire a third-party to help with household and transportation services.

Does The Hartford offer many auto insurance discounts?

The Hartford’s list of auto insurance discounts is pretty lengthy:
Anti-Theft Device
Air Bag and multiple airbag discount
Hybrid or Electric vehicle discount
Driver Training and Education
Good Student Discount
Defensive Driver Course Certificate
Multi-Policy Discount (auto policy bundled with homeowners or renters insurance)
Pay-in-Full
AARP Membership Discount