Car Insurance Discounts for Seniors

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Descubra los descuentos y beneficios con el Programa de Seguros para automóviles de AARP de The Hartford.
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Discover Great Senior Car Insurance Discounts

car insurance discounts for seniorsAt The Hartford, we know that saving your hard-earned money is important. That’s why The Hartford offers car insurance discounts for seniors to help you save money. With an AARP membership, mature drivers can get great discounts and coverage through the AARP® Auto Insurance Program from The Hartford.1
 
The Hartford’s specialists are here to help senior drivers get the coverage they need and save on their car insurance premiums. To learn more about discounts and car insurance for seniors, llame al  888-546-9099 o obtener una cotización en línea.
 

Discounts on Car Insurance for Seniors

discount car insurance for seniorsThe Hartford understands drivers 50+ want to get the best car insurance for seniors at a great price. AARP members have several ways to save through discounts on car insurance. Discounts for safe driving include:
 
  • Paid-in-Full Discount: You’re eligible for extra auto insurance discounts if you pay your bill in full rather than making monthly payments.
  • Safety Feature Discount: You can receive additional savings if your car has anti-lock brakes, more than one airbag or other safety features.
The Hartford also offers discounts related to driver education and training, like:
 
  • Safe Driver Training Discount: You can save on car insurance rates for drivers under 21 years old (under 25 in Georgia) if they complete an approved training course.
  • Defensive Driver Course Discount: By finishing an approved defensive driver course, you’ll enjoy discounts on car insurance for the next three years.

Discover More Ways Seniors Can Save on Car Insurance

With the AARP Auto Insurance Program from The Hartford, senior drivers have even more ways to save on car insurance. Read through our tips below to discover how you can lower your car insurance premiums:
 
  • Become an AARP member: The AARP Auto Insurance Program from The Hartford offers several exclusive benefits and discounts to AARP members.
  • Bundle home and car insurance: If you’re looking for the best homeowners and auto insurance for seniors, bundling is a great way to save on both of your policies. With the AARP Auto and Home Insurance Program from The Hartford, you could save over $600** just by bundling.
  • Set higher deductibles: Choosing higher deductibles is another way to reduce your car insurance premium. For example, if you currently have a $500 deductible for your policy, raising it to a $1,000 deductible would reduce your rate.
  • Maintain a clean driving record: We like to reward safe drivers who maintain clean driving records with lower car insurance rates.
  • Improve your credit score: Companies look at your credit score before you get your insurance. Generally, the better your credit score, the less you’ll pay.

Common Questions About Senior Car Insurance Discounts

Is Car Insurance Cheaper as You Get Older?

Is car insurance cheaper as you get older? Yes and no. In general, studies show that older drivers aged 50-69 years old are relatively safe behind the wheel. They typically drive fewer miles and modify their habits in poor driving conditions, which can qualify them for discounts.2
 

Why Do Seniors Pay More for Car Insurance?

senior car insurance discountsIn general, car insurance rates for seniors may cost more for drivers 70 years and older because as a driver’s age increases, so does their risk of being involved in an accident.3
 

Save Money With Auto Insurance Discounts for Seniors

The Hartford prides ourselves on being a trusted insurance company for seniors. Since 1984, we’ve been delivering great customer service and exclusive offerings to AARP members through the AARP Auto Insurance Program from The Hartford. To learn more about the discounts and benefits available to you, get a quote today.
 
 
 
Last Updated: October 5, 2022
 
2 Insurance Information Institute (III), “What determines the price of an auto insurance policy?”
 
3  Insurance Information Institute (III), “Senior driving safety and insurance tips”
** 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.
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