The Hartford Reviews, Coverage Options, and Ratings in 2019

The Zebra
July 31, 2019

The Hartford Insurance Reviews, Coverage Options, and Ratings for 2019


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4.0 Rating from The Zebra

The Hartford is an insurance company providing an array of coverage options. The Hartford partners with AARP to offer special benefits to the organization's members and is therefore marketed primarily toward drivers aged 50 and over. JD Power rates The Hartford as above-average in overall client satisfaction, and the company's financial strength is high. The company has a low complaint ratio, according to the National Association of Insurance Commissioners (NAIC).

Let’s check out some of the options available through The Hartford, including discounts and customer reviews.


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JD Power Rating — Average: JD Power rates The Hartford at 4 out of 5 in terms of overall claims and customer service satisfaction.

Financial strength — Excellent: A financial strength rating of “Excellent” means that The Hartford’s ability to pay out claims is strong.

NAIC Rating — Excellent: The National Association of Insurance Commissioners received fewer complaints regarding The Hartford than average in 2018.

 

JD Power Rating — Average: JD Power rates The Hartford at 4 out of 5 in terms of overall claims and customer service satisfaction.

Financial strength — Excellent: A financial strength rating of “Excellent” means that The Hartford’s ability to pay out claims is strong.

NAIC Rating — Excellent: The National Association of Insurance Commissioners received fewer complaints regarding The Hartford than average in 2018.

 

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The Hartford car insurance Advantage Program options

While The Hartford offers basic auto insurance coverage options like liability insurance, uninsured motorist coverage, and comprehensive, it also provides unique coverage options and exclusive benefits.

Lifetime renewability auto insurance

The Hartford guarantees that your coverage will continue to be renewed so long as you continue to meet certain requirements (making your payments, holding a valid driver’s license, etc.).

12-month auto insurance rate protection

Instead of changing rates every six months like many other companies, The Hartford locks in its rates for a full year. You won’t see unexpected rate changes in the middle of your policy.

RecoverCare

If you are injured in an auto accident and end up unable to perform essential home services, The Hartford offers the chance for reimbursement. This includes reimbursement for things like house cleaning, food preparation, and dog walking.

New car replacement coverage

This coverage provides a replacement car if your vehicle is totaled within the first 15 months or 15,000 miles after purchase. The Hartford will replace your vehicle with a car of the same make, model, and equipment, and will not deduct for depreciation.

Lifetime car repair assurance

If you go through a repair shop authorized by The Hartford for repairs after a claim, they will cover the cost of this work for as long as you own the vehicle.

24/7 car insurance claims hotline

The Hartford has team members available day and night to help you file claims.

 


 

The Hartford Advantage Plus Program benefits

The Advantage Plus Program provides customers with even more coverage.

First accident forgiveness

f the drivers on your policy have a full five years of clean driving, you will qualify for accident forgiveness. This means your first accident will be forgiven and you won’t face an increase in your premiums.

Disappearing deductible

f you keep a clean driving record, you can expect to see your collision coverage deductible drop (as low as $0).

One deductible

If you file a claim for a loss that affects multiple vehicles covered by the same policy, or if your home and auto are bundled and both affected by the same loss, then you will pay only one deductible.

Deductible waived for a not-at-fault-accident

If you are in an accident and not found to be at fault, The Hartford will, in many cases, waive the collision deductible.

 


 

The Hartford insurance discounts

Because The Hartford partners directly with AARP, members of the organization can expect special benefits just by signing up. However, there are many other ways to save. Have a look at some of the other discounts that The Hartford offers to policy-holders.

Discounts related to the driver
  • Good student: If there is a driver on the policy who is a full-time student between the ages of 16 and 25 who maintains a B average or higher (3.0 on a 4.0 scale), you could receive a discount.
  • Driver training: In most states, drivers younger than 21 may receive a discount after the completion of approved driver training courses.
  • Defensive driver course: Complete a defensive driver course to be eligible for this discount.
Discounts related to your vehicle
  • Anti-Theft Device: This allows you to save money on comprehensive coverage
  • Airbags: Save even more money with a vehicle that has multiple airbags.
  • Fuel Type: Hybrid and electric cars receive extra discounts.
Additional discounts
  • Bundling: The Hartford offers many types of insurance coverage, and gives a discount for bundling coverages like home and auto, saving you upwards of 5% on car insurance and as much as 20% on home, condo, or renters insurance.
  • Paid-in-Full Discount: Get an additional discount for paying your bill in full.

 


 

Additional lines of insurance

The Hartford offers the below coverage options:

 

Is The Hartford the right insurance company for you?

If you are a member of AARP, The Hartford could be a good option, especially when you consider the higher premiums many insurance companies impose on drivers of advancing age. However, younger drivers may not find the policies as beneficial. With its strong history and reputation for ethical practices, The Hartford is certainly a strong choice for auto and home insurance.  

The Hartford's premium costs vary driver to driver and state to state. If you're hunting for the cheapest car insurance, it pays to shop around. With The Zebra, you can receive accurate quotes based on your individual driving profile. Enter your ZIP code below to get started on the path to finding the coverage that’s best for you.

 

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