AARP Auto Insurance Review
Posted on October 18th, 2010
If an accident is not your fault, the Hartford insurance company will waive your deductible in most cases. My deductible currently is in the $500 range, so this is a nice perk.
- First accident forgiveness
Your insurance premium will not be raised just because you had an accident, if all drivers on the insurance plan have been accident free for the 5 years prior to this accident. That is a lot better than dealing with the insurance companies that simply the drop anyone that dares to become involved in an accident.
- Approved shop $100 deductible waiver
If you have an accident, the AARP auto insurance program includes a $100 deductible waiver whenever you take your car to an approved shop for repairs. This is an easy one. As a bonus, the repair is then covered for as long as you own it.
- Lifetime renewability
After 60 days of being insured, your insurance is guaranteed to be renewable as long as you keep paying your premiums on time, are over 50 years old, have not had a DUI conviction and are legally, mentally and physically allowed to drive a vehicle.
- New car replacement
If you should be so unlucky as to total your car within 15 months, AARP auto insurance is going to replace your vehicle with one of the same make, model and equipment without calculating in depreciation.
There are more features you may find attractive. The highlighted features all sound attractive if they are true. In the reports by people insured by AARP auto insurance, there were a disturbing number of customer complaints about the very features that make AARP auto insurance so attractive. Most of them come down to rude customer service and business practices that do not benefit the consumer.
For example, with the waiver of collision deductible feature, one customer complained they had to pay the deductible when picking up their car. The insurance company, when called, informed them that they may have their deductible refunded if eligible. So this would be a case, where you still get your deductible waiver, as promised, but it is rather inconvenient to have to wait until it is convenient for the company to send you a check.
Many seniors do not have large sums of cash in their emergency funds to be tied up like that. So it depends on your situation whether you can live with that implementation of a great benefit. Another complaint was about the valuation of a vehicle. It is not uncommon for an insurance company to go with the lowest valuation they can find. It helps their bottom line.
Looking up the Hartford insurance company that administers the AARP auto insurance with the Better Business Bureau, the company has received a B+ rating. That is certainly not the A or A+ rating I would like to see with a company, I do business with, but it isn’t bad either. The company did seem to make an effort to attempt to resolve customer issues. As always, people with complaints tend to speak up more than satisfied customers.
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Tags: Insurance, Insurance Review
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One Response to “AARP Auto Insurance Review”
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Kori Macabeo Says:
September 11th, 2011 at 7:00 amOnce I earlier left a comment at http://www.creditforact.com/credit-cards/aarp-auto-insurance-review I clicked the – “notify me”- checkbox and now every time the latest feedback is added within AARP Auto Insurance Review site, I receive a couple of emails with the identical remark. Is there by any means it’s possible to remove me through that program? Thank you!