How to Lower Car Insurance

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Discover discounts and benefits with the AARP Auto Insurance Program from The Hartford.

Seven Tips on How to Get Lower Car Insurance Premiums

How to get lower car insuranceNot sure how to lower your car insurance premiums? Many insurance companies offer discounts and benefits that can help you save money on your auto policies. To see how you can save, check with your insurer’s representatives. They can let you know which ones you qualify for.
 
To learn more about how you can save on car insurance with the AARP® Auto Insurance Program1 from The Hartford, call 888-546-9099 or read through our tips below:
 

1. Become an AARP Member

The AARP Auto Insurance Program from The Hartford offers a savings of up to 10% for members of AARP. Discover this and other benefits for AARP Members.
 

2. Take a Defensive Driving Course

We offer safe drivers discounts on their insurance coverages. So, if you complete a defensive driving course, you could save on your car insurance rates. Auto insurance discounts for driving training can also apply to those on your policy under 21 years of age.
 

3. Maintain a Clean Driving Record

If you’re a safe driver who maintains a clean driving record, you could save on your auto insurance premium. Generally, you’ll need at least five years of an accident-free driving history.
 

4. Drive a Hybrid or Electric Car

We like to reward seniors that drive eco-friendly vehicles, like hybrids or electric cars, with lower insurance rates.‡‡
 

5. Bundle Your Home & Auto Insurance Policies

How to lower car insurance premiumsIf you bundle your car and home coverage with the AARP Auto and Home Insurance from The Hartford, you can save on both policies. With our home and auto insurance bundle, you’ll save up to 5% on your auto insurance coverage and up to 20% on your home, condo or renters policies. You may also be able to bundle your auto and life insurance policies through certain companies to receive a discount.**
 

6. Pay Your Premiums in Full

If you pay your insurance premium in full, instead of monthly, your rate for car insurance can go down.
 

7. Set Higher Deductibles on Your Car Insurance

Another way to reduce your car insurance premium is by choosing higher deductibles. For instance, if you currently have a $500 deductible and you raise it to a $1,000 deductible, you’ll reduce your rate.
 

Common Questions About How to Lower Auto Insurance Costs

How Do I Lower Car Insurance After a Speeding Ticket?

How to lower auto insurance costTo help lower your rate after a speeding ticket, you can take a defensive or safe driving course. You can also consider switching car insurance companies to find a better rate. But before you do, make sure you check with your current insurer to see if you qualify for other discounts or benefits.
 
 
Last Updated: February 8, 2023
Summaries of coverages and policy features are for informational purposes only. In the event of loss, the actual terms and conditions set forth in your policy will determine your coverage.
 
AARP and its affiliates are not insurers. Paid endorsement. The Hartford pays royalty fees to AARP for the use of its intellectual property. These fees are used for the general purposes of AARP. AARP membership is required for Program eligibility in most states.
 
The AARP Auto Insurance Program from The Hartford is underwritten by Hartford Fire Insurance Company and its affiliates, One Hartford Plaza, Hartford, CT 06155. It is underwritten in AZ, MI and MN by Hartford Insurance Company of the Southeast; in CA, by Hartford Underwriters Insurance Company; in WA, by Hartford Casualty Insurance Company; in MA, by Trumbull Insurance Company; and in PA, by Nutmeg Insurance Company and Twin City Fire Insurance Company. The AARP Home Insurance Program from The Hartford is underwritten by Hartford Fire Insurance Company and its affiliates, One Hartford Plaza, Hartford, CT 06155. It is underwritten in AZ, MI and MN by Hartford Insurance Company of the Southeast; in CA by Property and Casualty Insurance Company of Hartford; in WA, by Trumbull Insurance Company; in MA, by Trumbull Insurance Company, Sentinel Insurance Company, Hartford Insurance Company of the Midwest, and Hartford Accident and Indemnity Company; and in PA, by Nutmeg Insurance Company. Home product is not available in all areas, including the state of FL. Savings, benefits and coverages may vary and some applicants may not qualify. The Program is currently unavailable in Canada and U.S. Territories or possessions.
 
1 In Texas, the Auto Program is underwritten by Redpoint County Mutual Insurance Company through Hartford of the Southeast General Agency, Inc. Hartford Fire Insurance Company and its affiliates are not financially responsible for insurance products underwritten and issued by Redpoint County Mutual Insurance Company. The Home Program is underwritten by Hartford Insurance Company of the Southeast.
 
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