Compare Car Insurance Quotes & Rates

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

How To Compare Auto Insurance Quotes

Auto insurance companies have their own unique ways to calculate car insurance rates, but comparing coverage doesn’t have to be difficult. The Hartford makes it easy for you to compare car insurance quotes with the AARP® Auto Insurance Program from The Hartford.1 You can get great rates, rewards and discounts that can help you save money. The Hartford has been protecting AARP members and their families since 1984.
When you’re doing an insurance quote comparison, you’ll need to look closely at the policy details. That’s why it’s a good idea to compare car insurance quotes to make sure you get the right policy at the right price.
 
Follow these three steps to help you compare car insurance quotes:
 
  1. Gather your information: Insurers require details to put together your auto insurance quote. This can include your age, driving history, driving records, vehicle information and geographic location.
  2. Select your liability limits and coverage levels: Every driver has unique needs and some states have minimum coverage requirements. Because your policy details impact your cost, it’s important to make sure each quote is for the same type and amount of coverage.
  3. Collect quotes and compare rates: You can use a car insurance calculator to help estimate your costs and compare your insurance quotes. Remember that price shouldn’t be the only thing you consider. Just because it’s the lowest quote doesn’t mean it’s the right coverage for you.

Compare Auto Insurance Coverages

Compare auto insuranceWhen you compare auto insurance, it’s important to compare quotes with the same deductible and insurance coverage. Be sure to find out what your state requires for their minimum amount of coverage. Then, decide if you want to add additional types of coverage or higher coverage amounts of the required coverage.
 
How much car insurance costs will depend on the coverages that you choose, like:
 
  • Cobertura de responsabilidad por daño a la propiedad: Pays for damage that your car causes to property you don’t own, like mailboxes, fences and other vehicles.
  • Bodily injury liability coverage: Helps pay for medical expenses for people injured in an accident you caused. It also pays for legal fees if you cause an auto accident that injures someone else. Bodily injury liability rates vary but are required by law in most states. This coverage would also cover injuries caused to a pedestrian.
Some other types of coverage include:
 
You have options to choose from when it comes to your auto insurance coverage. The AARP Auto Insurance Program from The Hartford can help protect you with many types of cobertura de seguro para autos. The type of coverage and limits you choose will affect your car insurance premiums.
Compare car insurance rates

Understanding How To Compare Car Insurance Quotes

Insurance prices can vary by car insurance company, but they may also be different for each customer.
Some common factors that car insurance companies look at when calculating insurance prices include your:
 
  • Policy details, such as coverage for collision, deductible amounts and limits. Don’t forget that certain insurance requirements vary by state, which can also impact your rate. Full coverage will cost more than buying just the minimum required, but you’ll have more protection against the unexpected.
  • Geographic location because each state has their own requirements about the amount of car insurance coverage you must carry.
  • Accident history, which shows how safe you are as a driver. If you have a clean driving record, it can lower your insurance rate. Recent at-fault accidents can have a big impact on your auto insurance rates.

Compare Auto Insurance Rates by State

compare car insurance quotesRequirements for minimum liability car insurance by state can vary depending where you live. For example, our data shows the average car insurance policy costs between $663 and $1,490, depending on the state you’re in. And these costs increase if you add more protection to your policy.2 It’s important to know what your state requires when you make a car insurance comparison.
 
Learn more about how much car insurance costs per month.
 

The AARP Auto Insurance Program From The Hartford

When you have a policy with the Programa de seguros de autos AARP from The Hartford, you can count on a full range of car insurance coverages to be included in your policy, as well as a few optional benefits for even more protection:
Auto Insurance Features Incluido Opcional
Full Range of Coverage Limits
Full Range of Deductible Options
24-Hour Roadside Assistance
Countrywide Claims Service
24x7 Claim Reporting Service
Customer Repair Service Program (CRSP) with Life of Vehicle Guarantee
Legal Representation for Accidents
New Car Replacement Coverage§§
No Deductible Windshield Repair Service
RecoverCare Essential Services§
Paid In Full or Monthly EFT
Auto & Home Account Policy Savings
Home Ownership Credit (not available with Auto & Home Account Policy Savings)
New Vehicle Discount
Non-Resident Student Discount
Accident Forgiveness (availability varies by state)
Disappearing Collision Deductible

Preguntas Frecuentes

How Often Should You Comparison Shop Your Auto Insurance Rates?

Compare car insuranceYou may want to review your car insurance policy every 6-12 months to make sure you’re getting the coverage you need. You may also want to reach out to your insurance company to see if there are any additional discounts or benefits you may be eligible for. At The Hartford, we offer many discounts to help you save money and benefits to keep you protected.
 

What's the Best Way To Compare Car Insurance Quotes?

When you want to compare car insurance quotes, remember cheaper is not always better. You will want to look closely at the coverage provided in each quote to be sure you’re getting the right coverage for your needs. You may also want to read reseñas of each car insurance company before you decide.
 

How Can I Get a Quote for Car Insurance?

Obtenga una cotización de seguro para autos online or by calling our representatives today at 888-413-8970. Just know that your rate depends on your location, so you’ll have to give your zip code to get your quote. We’ll help however we can. In fact, The Hartford has offered special pricing and benefits to AARP’s nearly 40 million members since 1984. We’re here to get you the best insurance for your needs with the AARP Auto Insurance Program from The Hartford, helping protect you and your loved ones on the road.
 
 
Última actualización: 21 de septiembre de 2023
 
2 Average policy cost data is for 2019 policies with minimum limits for bodily injury and property damage.
** 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.
 
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.