How to Get Car Insurance

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

How to Buy Car Insurance

How to Get Car InsuranceBuying car insurance can feel overwhelming, but it doesn’t have to be. At The Hartford, we are here to make it as easy as possible for you. Get your quote online, by phone or by contacting an insurance agent.
If you’re looking to get a quote quickly, you can receive one in minutes online with the AARP® Auto Insurance Program from The Hartford.1 You can also call The Hartford’s representatives at 888-413-8970 to find out which types of coverages are best for you. Or you can find out how to switch car insurance.
As you shop, remember that it’s important to get a few insurance quotes before you decide on a policy. You’ll also want to look into the requirements for where you live. The coverages you’ll need often vary by state.

Get Car Insurance Online

Al buy car insurance online, you’ll need to first enter your zip code. From there, we’ll ask you a series of questions to help choose coverages that are best for you.
Online car insurance quotes allow you to:
  • Easily compare many different policies and quotes.
  • Buy insurance at any time of the day.
  • Save money because you can find the best deal without paying an agent.
Remember that getting a quote online isn’t always the best choice. You can miss out on discounts because some online forms don’t include them. Another common issue is getting too much or not enough coverage because you’ve misunderstood certain policies.

1. Get Car Insurance Over the Phone

Get Car InsuranceMany auto insurance shoppers prefer to talk to insurance professionals to help them pick their coverages. A representative can help guide you through the quoting process. They’ll also help you understand all your insurance coverage options. One of the biggest benefits to this approach is that you’ll have a person to ask questions to in real-time. This can be useful if you’re new to buying insurance coverage.
Keep in mind that talking with an insurance professional over the phone can take more time than getting quotes online. You’ll also need to answer a series of questions about your vehicle, where you live and your driving record. Insurance coverage options offered over the phone are also limited to what that insurance company offers. You may be missing out on other deals or protections elsewhere.
To learn more, call us at 888-413-8970.

2. Get Car Insurance From an Agent

Get Car Insurance QuotesAnother option for getting auto insurance is to work with an agent or broker. They’ll have knowledge of policies sold by different companies and can help you find the best one for you. They can also help you get car insurance that’s affordable by talking to insurance companies for you. This can help you get extra savings and deals compared to doing an online quote yourself.
Car insurance agents and brokers are also more objective about coverages because they aren’t working with any particular insurance company. However, they do sometimes try to upsell you in order to get bigger commissions. They may also charge fees for their service.

Steps to Get Car Insurance Today

Still not sure how car insurance works? You can learn more and start your quote process by following these steps:
  1. Decide if you’ll want to get a car insurance quote online, over the phone or through an agent.
  2. Research coverage options on your own to get a better understanding.
  3. Determine how much cobertura de seguro para autos you need.
  4. Gather personal and vehicle information you’ll need to get car insurance quotes.
  5. Compare quotes from different insurance companies.
  6. Choose the coverages that fit your needs best.
  7. Pay for your coverage.

What Do You Need to Get Car Insurance Quotes?

Before you can get your free car insurance quote, you’ll need to have certain information on hand, including:
  • Your personal information, like your address and birthdate.
  • The name of your current car insurance company and the types of coverage you have now.
  • Each of your car’s vehicle identification numbers (VIN).
  • Car mileages.
  • Vehicle lease or loan information.
  • Drivers license numbers for primary drivers on your policy. You’ll also want to mention if you’ll want certain members of your household to be excluded drivers on your policy. This means if they drive your vehicle, your insurance won’t cover them even if they are licensed drivers.

Get Car Insurance Quotes From The Hartford

Can You Get Car Insurance Without a LicenseGetting a car insurance quote doesn’t have to be expensive. In fact, car insurance quotes are easy to get through the AARP Auto Insurance Program from The Hartford. The Hartford can help you save money on car insurance when you:
  • Join AARP. AARP members enjoy savings of up to 10%.
  • Bundle your auto and home insurance.**
  • Complete a defensive driving course.
  • Pay your premium in full.
We also offer benefits like:
  • New Car Replacement:§§ If you total your new car, we’ll replace it with a new one of the same make, model and equipment, with no deduction for depreciation.
  • Exención por accidente: We understand every driver makes mistakes. As long as all the drivers on your car insurance policy have a clean driving record for five straight years with The Hartford, you’ll qualify for accident forgiveness.
  • Disappearing Deductible: With this optional coverage, your collision deductible will be reduced over time, as long as you maintain a clean driving record.
  • RecoverCare:§ If you’re injured in a car accident, this benefit helps pay for home services like cleaning or walking the dog.

Common Questions About How to Get Car Insurance

Can You Get Car Insurance Without a License?

Most companies won’t offer you insurance without a license. So, you’ll need to visit your state’s department of motor vehicles and become a licensed driver before you can get car insurance. Learn more about getting car insurance with no license.

Can I Get Car Insurance Without a Car?

If you drive a car often but don’t own it, you can get non-owners car insurance coverage. This helps cover you if you’re in an accident while driving someone else’s vehicle.

How Long Does It Take to Get Car Insurance?

Applying for auto insurance doesn’t take long. In most cases, you can get a policy from your insurance company in a few minutes. Keep in mind that the amount of time it takes can depend on how many coverages you need and how many questions you have.

How Do I Get Car Insurance Before Buying a Car?

To get car insurance before you buy a car, you’ll need to follow these steps:
  1. Decide if you’re getting your policy online, by phone or in-person.
  2. Make sure you have the right information for your car, like your vehicle identification number (VIN), mileage and model.
  3. Learn what your coverage options are and how much protection you’ll need.
  4. See if you qualify for discounts. For instance, many companies will reduce your rate if you bundle your auto coverage with your home or life insurance policy.
  5. Pay for your policy.
Última actualización: 21 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.