Cómo encontrar el mejor seguro para autos

Descubra los descuentos y beneficios con el Programa de Seguros para automóviles de AARP de The Hartford.

What Should I Look for in Good Car Insurance?

best car insurance quotesChances are you wouldn’t buy a car without shopping around to find a price that’s right for your budget. So, you should take the same approach to buying car insurance. When you comparar los seguros para autos rates, it helps you get the right coverage for the right price.
If you’re wondering, “What is the best car insurance?” there’s no simple answer. Everyone’s car insurance needs are unique. But there are some coverages and benefits that can set an insurance company apart, like:
  • A 24/7 hotline to help you file a claim
  • A reputation for helping customers after an accident
  • Rates and rewards exclusively for AARP members
We make it our business to help protect you and your loved ones on the road. In fact, since 1984, The Hartford has helped nearly 40 million AARP members by offering the AARP® Auto Insurance Program from The Hartford .1

How to Find the Best Car Insurance Company

The best seguro para autos company for you will depend on how well it can meet your needs as a driver. As you’re comparing car insurance companies, keep in mind that these factors can impact your car insurance coverage levels:
  • The type of car you drive, because you’ll likely need more coverage to protect higher value cars.
  • Where you drive, since some zip codes have more drivers, which can increase your risk of an accident.
  • How much you drive can increase your chances of getting into an accident. So, if you have a longer commute or travel a lot, you may need a higher level of coverage.
  • Who drives your car, because you’ll need to have coverage for each driver.
  • Your driving history, or driver profile, because a history of tickets and violations will likely increase your premium.
Through the AARP Auto Insurance Program from The Hartford, we offer coverages you can tailor to meet your specific driving needs. You’ll also have access to The Hartford’s highly-rated claims service 24 hours a day, seven days a week. You can call 888-546-9099 to get a car insurance quote today or learn more about the Seguro de autos AARP Program from The Hartford.

Find the Best Car Insurance Quotes for You

Not every car insurer is the same. Finding the best car insurance quote for you means getting the right coverage levels at the right price. You should check to see if your auto insurance quotes include any discounts. Some insurers offer discounts for:
  • Bundling insurance policies. You can save up to 5% on your auto insurance and up to 20% on your seguros de condominios, inquilinos o viviendas by bundling.**
  • Completing defensive driving courses that can help you avoid accidents.
  • Paying your policy in full instead of paying it monthly.
  • Finishing a driver’s education course to help younger drivers on your policy be safe on the road.
  • Driving a fuel-efficient vehicle, such as a hybrid or electric vehicle.
We also offer more insurance coverage to add to your protection, including:
  • New car replacement if your new car is a total loss after an accident.§§
  • RecoverCare§ coverage to help pay for cleaning and other help you need if you’re injured in an accident.
  • Accident forgiveness: We understand every driver makes mistakes. Si los conductores incluidos en su póliza de seguro para autos tienen un buen historial de tránsito durante ocho años consecutivos con The Hartford, será elegible para la exención por accidentes.
  • Disappearing deductible that reduces your collision deductible over time as long as you maintain a clean driving record.

The Best Car Insurance by State

Car insurance requirements vary in each state, including the amount of liability coverage you need to have. Auto insurance companies look at these coverage requirements, as well as other factors, to determine your policy cost.
Find Out Your Seguro para autos estatal Requirements

Best Car Insurance FAQs

What information do I need to get an auto insurance quote?
When you’re shopping for auto insurance, you’ll need some basic information about yourself, your cars and other drivers listed on the policy. Most insurers will ask for your:
  • Car’s make, model and year
  • Historial de manejo
  • Edad
  • Sexo
What are some coverages I may need for my car insurance policy?
Common coverages include:
Bodily injury protection, which covers medical expenses if you injure the other driver or their passengers in a car accident.
Cobertura por colisión to help cover damages to your car if you’re in an accident.
Cobertura integral, which helps pay your repair costs if something other than a collision damages your car, like fire, theft or falling objects.
Full glass coverage pays to repair or replace broken or damaged glass in your car without a deductible.
Cobertura de gastos médicos helps cover medical bills if you or someone else listed on your policy is hurt in an accident or as a pedestrian.
Cobertura de responsabilidad por daño a la propiedad is required in most states. It helps cover costs if you damage another person’s property with your vehicle.
Labor and towing insurance helps cover roadside assistance, like getting your car towed if it breaks down.
Uninsured-underinsured motorist bodily injury coverage, which helps cover you or your passengers’ medical costs if an uninsured or underinsured driver hits you.
Cobertura por daño a la propiedad por un conductor no asegurado helps repair or replace your car if an uninsured or underinsured driver hits it. This coverage is not available in all states.
Personal property protection (PIP) gives you and your passengers benefits if you’re injured in a car accident, no matter who’s at fault. It can help cover your medical bills, help you recover lost income and pay for essential services, like grocery deliveries. This coverage isn’t available in all states.
Rental car expense helps you pay for a rental if you can’t use your car because of a covered loss.
Personal umbrella insurance extends your liability insurance limits. So if a liability claim costs more than the maximum on your policy, this coverage can help pay the difference.
Does the lowest auto insurance quote mean I’ll get the best coverage?
No, the lowest quote doesn’t mean it’ll give you the best protection out on the road. It’s a good idea to review the coverage levels and limits in each quote you get. You may find the lowest quote doesn’t have enough coverage for your needs. So you may have to go with a policy that costs more, but offers a higher level of protection.

Finding the Best Car Insurance Company Can Make All the Difference

Accidents happen. Knowing you’re prepared if you get into one can give you peace of mind. If you’re in an accident, having the right coverage means you’ll have help paying for medical expenses and property damage.
It can also save you a lot of hassle, because great car insurance should include great claims service. After an accident, our specialists can help you with the claims process, including:
  • Filing a claim
  • Getting a tow truck for your vehicle
  • Finding a rental car
  • Dealing with another driver’s insurance company
Our goal is to help protect you and your loved ones out on the road. Pero no se conforme solo con lo que decimos nosotros. Here is what some of our actual customers said about their experiences with the Seguro de autos AARP.
“Top efficiency is standard at The Hartford … I’ve worked with many insurance companies over the years and they are by far the best in their field … I will always insure with them now and in the future.”
“My experience with The Hartford has been nothing but the best. The claim was taken care of in a blink of an eye.”
“I would have to say that The Hartford was exceptional with their claims coverage, helped with all the rental car arrangements, arranging payment for repair of car and also gave us the repair shop information. This experience was very exceptional in that I did not have any lapse in driving to and from work. The Hartford claims reps are the best of the best. Thank you.”
Última actualización: 22 de septiembre de 2023
** Los montos de ahorro promedio se basan en información comunicada por los clientes que se cambiaron a The Hartford desde otras compañías entre 9/1/22 y 8/31/23. Su ahorro puede variar. El ahorro promedio en el seguro para automóviles es de $577 y el ahorro promedio en el seguro de viviendas es de $236. Las diferencias de tarifas entre los afiliados y los no afiliados de AARP varían según el estado y la antigüedad de los afiliados de AARP. El descuento para auto y vivienda está disponible solo para asegurados que tengan tanto su seguro para auto y vivienda (o condominios y arrendatarios) por medio de los programas de seguros para autos y de viviendas AARP de The Hartford. .The Hartford no suscribe nuevos negocios en todas las áreas, incluidos los estados de CA y FL.
§ La disponibilidad del beneficio RecoverCare y los niveles del beneficio varían según el estado. The Hartford RecoverCare Advantage® es una marca registrada de The Hartford.
§§ Se aplican términos y condiciones.
Se aplican términos y condiciones. La exención por accidente y la desaparición progresiva del deducible no están disponibles para asegurados de California.
‡‡ Se aplican términos y condiciones. La disponibilidad varía según el estado.
‡‡‡ Con base a un auto y conductor; la tarifa/prima/ahorros individuales variarán según las selecciones de cobertura reales y las características de los vehículos/conductores.
Divulgaciones adicionales a continuación.
Los resúmenes de las coberturas y las características de las pólizas son únicamente para fines informativos. En caso de que se produzca una pérdida, los términos y condiciones reales establecidos en su póliza determinarán su cobertura.
AARP y sus afiliadas no son aseguradoras. Endoso pagado. The Hartford paga regalías a AARP por el uso de su propiedad intelectual. Estos cargos se utilizan para los fines generales de AARP. En la mayoría de los estados, es necesario ser miembro de AARP para ser elegible para participar en el Programa.
El programa de seguros para automóviles de AARP de The Hartford está respaldado por Hartford Fire Insurance Company y sus afiliados, One Hartford Plaza, Hartford, CT 06155. Está avalado en AZ, MI y MN por Hartford Insurance Company of the Southeast; en CA por Hartford Underwriters Insurance Company; en WA por Hartford Casualty Insurance Company; en MA por Trumbull Insurance Company; y en PA por Nutmeg Insurance Company y Twin City Fire Insurance Company. El programa de seguros para viviendas de AARP de he Hartford está respaldado por Hartford Fire Insurance Company y sus afiliados, One Hartford Plaza, Hartford, CT 06155. Está subscrito en AZ, MI y MN por Hartford Insurance Company of the Southeast; en CA por Property and Casualty Insurance Company of Hartford; en WA por Trumbull Insurance Company; en MA por Trumbull Insurance Company, Sentinel Insurance Company, Hartford Insurance Company of the Midwest, y Hartford Accident and Indemnity Company; y en PA por Nutmeg Insurance Company. El producto para viviendas no está disponible en todas las áreas, entre las que se incluye el estado de Florida. Los ahorros, los beneficios y las coberturas disponibles pueden variar y es posible que algunos solicitantes no sean elegibles. El programa no está actualmente disponible en Canadá, ni en los territorios o posesiones de Estados Unidos.
1 En Texas, el programa para automóviles está respaldado por Redpoint County Mutual Insurance Company a través de Hartford of the Southeast General Agency, Inc. Hartford Fire Insurance Company y sus afiliados no son responsables financieramente por los productos de seguros suscritos y emitidos por Redpoint County Mutual Insurance Company. El programa para viviendas está respaldado por Hartford Insurance Company of the Southeast.
* Los comentarios de los clientes son recolectados y tabulados por The Hartford y no representan a todos los clientes.