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UPDATED: Mar 13, 2020
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When most people think of auto insurance, a few companies immediately come to mind. While you’re probably familiar with Allstate, Geico, State Farm and Progressive, there are many other insurance companies available that may offer competitive rates and excellent service. It’s worth investigating these lesser-known companies so that you know what options you have available to you; depending on your situation, a company you’ve never heard of may offer the best rates on insurance.
One insurance company that you may not be familiar with is The Hartford insurance company. Although it’s a fairly unknown name, the company has been around for over 200 years and currently insures over 1.5 million people. The Hartford is a major provider of life insurance, commercial auto policies and liability coverage for small businesses, but it also provides private auto insurance policies.
The Hartford Auto Insurance
Hartford auto insurance is offered through AARP, a network that provides discounts on a number of products for baby boomers and seniors. Although you can get Hartford insurance at any age, the company does seem to have a preference for older drivers thanks to their lower risk.
Most Hartford auto policies are sold through agencies, which is one reason that you may not be familiar with the company. Most of the well-known insurance companies rely heavily on direct sales to grow their customer base, requiring aggressive advertising. Companies that sell through agencies do not require this same level of advertising; in most cases, these policies are sold directly through brokers who may sell a wide variety of policies from different companies.
Whether you get a policy through your agent or submit a quote request online, The Hartford insurance does offer several discounts that can help you save money:
— Defensive driving course discount
— Multi-policy discount for homeowners
— Driver’s education discount for young drivers
— Good student discount
— Safety feature discount for airbags and other features
Depending on your situation, you may be able to get further discounts due to safe driving, low annual mileage or other factors. Be sure to discuss your situation with your agent to make sure that you get the best possible rates.
The Hartford does not offer some of the more popular programs, such as accident forgiveness or usage-based auto insurance, but it does often provide cheaper coverage than some of the larger insurance companies. Rates will vary from one state to the next based upon the risk pool in that area, and the cost may vary more dramatically between locations than other major insurers.
The Hartford does not rank as highly among customer satisfaction surveys. A common complaint is that the company does sometimes have clerical errors that make a major impact on the cost of premiums. This is a common problem with companies that are sold through agencies since it’s easier to make mistakes than through a more homogenized customer service center. Claims may also take longer to handle for the same reason.
As with most agent-sold policies, customer experiences with The Hartford depend largely on the quality of the agent support staff. If you do choose to purchase a policy with this insurer, be sure that you speak with the agent and get a good feel for their service before you agree to the policy. That will help ensure your long-lasting satisfaction with the company.
How much does Hartford Auto Insurance cost?
Like most agency-sold policies, The Hartford caters toward older insureds. Seniors often have the best insurance rates anyway due to their low risk, so this helps keep the overall cost of insurance down. You can still purchase policies over the phone or online if you prefer to work without an agent.
The actual cost of your policy will depend on your age, driving record, geographic location and other factors. For some people, auto insurance will cost substantially less through The Hartford than it would through other insurers. On the other hand, people outside of the company’s ideal demographic may pay much more for coverage. The only way to know for sure how much your coverage will cost is to obtain a personalized quote.
Should I Get a Hartford Policy?
Ultimately, the best insurance company for you will be one that’s affordable, offers the coverage that you need and has customer service that resonates with you. The cheapest insurance company is not always the best, and some people have preferences that make a difference whens hopping for insurance. For example, some people prefer the hands-on personal touch of an agent, while others would rather have 24-hour customer service over the phone.
Taking the time to research your prospective insurance company will help you find the best match for you and your family. You can begin your search by obtaining a quote. Once you’ve gotten an idea of how much insurance will cost, you can speak with a representative from the insurance company to determine if that company would really be the right fit for your needs. Whether you choose The Hartford or another company, you will know that you’ve made the right choice if you look into your options in advance.