Overview of AARP's Auto Insurance Partnerships
AARP does not sell insurance directly; instead, it partners with select carriers to offer members discounted auto policies. The primary partners are The Hartford and, more recently, Amica Mutual, each providing AARP-branded plans that combine standard coverage options with member benefits such as discounts on roadside assistance and AARP magazine subscriptions.
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Key Features of The Hartford's AARP Auto Policies
The Hartford has been AARP's long‑standing auto partner. Policies include standard liability, collision, and comprehensive coverage, plus AARP‑specific perks like a deductible‑waiver discount for safe drivers and a 5% discount for members who bundle home and auto policies. The Hartford also offers a claims‑free discount and a "AARP Auto Advantage" program that provides additional savings on rental cars and towing.
What Amica Brings to the Table
Amica entered the AARP partnership to give members another option with a reputation for high customer‑service scores. Amica's AARP offerings feature similar core coverages, a 10% discount for AARP members, and a unique "Lifetime Claims‑Free" discount that can increase over time. Amica also provides a 24/7 claims hotline staffed by agents familiar with AARP member needs.
How to Choose Between The Hartford and Amica
Both carriers meet AARP's standards for financial strength and member service, but they differ in pricing structures, discount eligibility, and additional benefits. Consider the following when comparing:
- Existing relationship with a carrier (e.g., current homeowner's policy)
- Specific discounts you qualify for (e.g., safe‑driver, multi‑policy)
- Preferred claims handling experience (online vs. phone)
Steps to Verify Current Recommendations
The AARP website updates its partner listings periodically. To confirm the latest recommended insurer, visit AARP's auto insurance page and look for the "AARP Auto Insurance" banner, which lists the current partner(s) and links to quote tools. You can also call AARP's member services line for real‑time confirmation.
Things to Check Before Buying
Regardless of the partner, evaluate these factors:
- State‑specific coverage requirements and minimum limits
- Deductible amounts and how they affect premium
- Discounts available exclusively to AARP members
- Customer‑service ratings from independent sources like J.D. Power
- Policy cancellation and renewal terms