When it comes to auto insurance coverage, there are lots of options available today. One of those options is from The Hartford, an insurance company with a long, rich history of offering various coverages with excellent customer service and available discounts. During your research, check out The Hartford car insurance reviews to determine if their coverage is right for you.
The Hartford’s History
The Hartford Financial Services Group, Inc., more commonly known as The Hartford, has been in business for over 200 years. The headquarters are located in Hartford, Connecticut, the same place the company was founded in 1810. It began as a fire insurance company and were the first to write an insurance policy for a higher education institution, Yale University. The Accident and Indemnity Company was founded in 1913 to provide coverage for property and automobiles.
The Hartford has covered historical events such as the fire that struck the New York City Financial District in 1835, the Chicago Fires in 1871, and an earthquake that leveled 500 city blocks in San Francisco in 1906. It also insured famous people and landmarks, including Abraham Lincoln, Babe Ruth, Dwight D. Eisenhower, Hoover Dam, the Golden Gate Bridge, and the St. Lawrence Seaway.
In 1983, The Hartford added a dedicated small business service center and expanded coverage to become the exclusive auto and home insurance provider for AARP members in 1984. The Hartford has also been named a World’s Most Ethical Company by Ethisphere an impressive 13 times.
Automobile Insurance Coverage Available Through The Hartford
The Hartford offers several different coverages for all your automobile needs, from traditional coverages to classic car insurance and RV coverage. It also provides commercial automobile insurance. Here are the auto insurance options you get from The Hartford:
Bodily Injury Liability
This insurance coverage pays for medical bills if you hurt someone in an automobile accident. Most states require drivers to carry a minimum per person and per accident bodily injury liability coverage.
Property Damage Liability.
Property damage liability pays for damages you cause to property you don’t own in an automobile accident. This coverage is also required by law in most states with a per accident minimum.
Collision pays for damages to your vehicle if you hit an object or another vehicle. Collision isn’t typically required unless you have a lien or lease on your vehicle, and the lending agent requires it to protect their investment.
Comprehensive coverage will pay for repairs if you sustain damage to your vehicle due to an act of nature such as hail, theft, or vandalism. Comprehensive is also not usually required unless you have a financial responsibility to another party for your vehicle.
Uninsured/Underinsured Motorist Coverage
This insurance coverage helps cover damages if you’re involved in an accident with a driver with too little or no insurance. The three types of coverage available are:
- Uninsured motorist bodily injury
- Uninsured motorist property damage
- Underinsured motorist
Uninsured/underinsured is required by some states and is required by law to be offered to drivers in most states.
Medical Payments Coverage
Medical payments coverage is not available in all states, but it helps cover medical expenses if you’re injured in an accident. Some states require medical payments coverage.
Personal Injury Protection (PIP)
PIP, also referred to as no-fault insurance, pays for damages incurred in an accident regardless of who the at-fault driver is. PIP covers medical expenses, lost wages, and funeral costs. PIP is required coverage in some states.
Additional insurance options include full glass, car towing, gap insurance, rental car reimbursement, rental car insurance, and personal umbrella insurance. The Hartford also offers commercial, classic, and recreational vehicle policies. Talk to an agent from The Hartford to find out what coverage is best for you.
Car Insurance Discounts Available Through The Hartford
The Hartford offers several discounts on car insurance, including:
- Multi-policy discounts
- Hybrid or electric vehicle discounts
- Young driver training through driver’s education course completion
- Defensive driver course completion
- Vehicle equipment includes auto theft device, advanced air bag system, or anti-lock brakes
- Payment in full for insurance premium
- AARP member
- New vehicle
- Student away from home (college)
- Good student
The Hartford Advantage Plus Program also offers various benefits including:
- First accident forgiveness. After five years of coverage with clean driving, your first accident will be forgiven and not affect your rates.
- Disappearing deductible. A clean driving record will drop your deductible to as little as $0 with a vanishing deductible.
- One deductible applied. If an accident involves multiple vehicles under the same policy or your home and auto are both affected while covered, only one deductible will be applied.
- Waive deductible for a not-at-fault accident. The Hartford will waive the collision deductible in many cases where you’re not the at-fault driver in an accident.
The Hartford Car Insurance Customer Service
The Hartford’s customer service is available for auto claims or first notice of loss 24 hours a day, seven days a week at 800-243-5860. For roadside assistance, call RESCUE 1-800 at 800-322-7789.
You can find an agent online, plus make a payment, view or update your policy, print your auto ID cards, track a claim, and enroll in AutoPay online or via the mobile app through The Hartford’s Customer Service Center.
The Hartford Car Insurance Reviews
According to WalletHub, in the most recent J.D. Power U.S. Auto Insurance Satisfaction Survey, The Hartford performed well, receiving a rating of 4.1 out of 5. The Hartford is also ranked with an A+ from the Better Business Bureau (BBB), A.M. Best, and Standard & Poor (S&P). Moody’s also gives The Hartford a A1 rating for the safety of long-term credit obligations.
On The Hartford’s website for customer reviews from AARP members, it received 44,219 five-star reviews (out of 50,649), and 96% of respondents would recommend the insurance company to a friend. The Hartford received a rating of 4.8 out of 5 on:
- Easy to work with
- Treated me fairly
- Treated me with compassion
- Were responsive and accessible
The Hartford has an extensive history of success, which appeals to many customers. The long list of discounts, along with excellent customer service and good reviews, make The Hartford a solid choice for car insurance, especially amongst AARP members. Contact The Hartford today for a free quote.
At FIXD, our mission is to make car ownership as simple, easy, and affordable as possible. Our research team utilizes the latest automotive data and insights to create tools and resources that help drivers get peace of mind and save money over the life of their car.