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.
* Customer reviews are collected and tabulated by The Hartford and not representative of all customers.
While car insurance may seem costly, it is a necessary expense for drivers. And with a little research, you might be able to find an insurance company that offers great coverage while helping you save money. If you’ve been in an accident or have a young driver on your policy, you may be wondering “when does car insurance go down?” Although what you pay for car insurance depends on many factors, rates do drop in some circumstances.
Your car insurance premium is unique to you and is based on various factors, like where you live, what your credit score is and how your driving record has been. The amount of auto insurance coverage you purchase is also a factor. There are a few things that may help you save money on your car insurance rates, including:
Drivers under 25 years old typically pay more for car insurance because studies show that they cause more accidents.2 Because they represent a higher risk, you’ll likely see a premium increase when you add teen drivers to your policy. However, as a young driver gains experience, their car insurance rates may decrease, especially if they haven’t had any at-fault accidents.
Since what you pay for car insurance is influenced by your driving history, you may be paying a higher rate if you’ve been in an at-fault accident. Claims, tickets or citations usually impact your insurance premium for three to five years. Specific premium increases will depend on your insurance company, the severity of the infraction and the state where you live. For example, if you are caught driving under the influence in California, you may have the DUI on your driving record for up to 10 years.