If you’re 50 or older, you should consider The Hartford, car insurance from the American Association of Retired Persons (AARP).
This program is for AARP members only, but you can become a member online easily. Annual costs begin at $12 for the first year and go to $16 a year from the second year on, with discounts if you sign up for multiple years. The car insurance is also affordable, saving members an average of $507 each year. We’d say that’s well worth the $12-$16 membership fee!
If you get into an accident and have medical payments coverage or PIP, your insurance company will cover your medical costs, lost wages, and child care, in some cases. However, AARP goes above and beyond with services we haven’t seen from any other car insurance provider. If you’re hurt in an accident, the RecoverCare program will provide these services:
- Dog walking
- Food prep
- House cleaning
- Lawn maintenance
- Snow removal
In other words, you won’t have to depend on your friends and family for your basic household needs. Even if you’re injured, you can maintain your independence — an important factor for many older adults.
The stereotype that older adults have more car accidents isn’t true. In fact, drivers 55 and older are 85 percent less likely to be involved in car crashes compared to the national average. Accident rates are even lower for those 65 and older, according to data from the National Highway Traffic Safety Administration.
Of course, accidents can happen to anyone, but with The Hartford, once you’ve had a clean driving record for five consecutive years, your rates won’t go up after your first accident. If you’re a good driver with a solid record, The Hartford offers accident forgiveness, a great insurance feature that we haven’t seen from many other providers.
Easy Claims Process
No one enjoys making a car insurance claim, but AARP makes it as easy as possible for older adults. If you have a claim, simply call its phone line (available 24/7) to speak to a human. You’ll describe your claim, submit documentation and photos, and track your claim online whenever you want. In the meantime, you’ll benefit from AARP’s network of repair shops, glass installers, roadside assistance, and rental car partners.