The Hartford Insurance Review 2023

The Hartford’s insurance offerings are targeted for the 50 and older crowd, cemented by a partnership with AARP to bring additional savings and perks to members. Non-AARP members can purchase auto policies through independent insurance agents, and the company also offers group benefits and business insurance.

When you’re shopping for car insurance, it’s important to understand what car insurance coverage you want and what you’re required to buy. Most states require car insurance in order to drive a vehicle. Although minimum coverage requirements vary from state to state, they generally include liability insurance and uninsured or underinsured motorist coverage.

If you want extra protection, you may be interested in full coverage insurance. Full coverage isn’t a specific policy type; it’s a combination of coverage types, like liability, collision and comprehensive insurance.

Check out the most common types of car insurance coverage below to see how they work:

RecoverCare, which pays to cover costs for things you can’t do after an injury in a car accident such as snow removal. Availability varies by state.
  • New car replacement, which pays out if your new car is totaled. The Hartford will write you a check for the value of a new vehicle of the same make and model and with the same equipment.

  • Lifetime car repair assurance, if your car is fixed at an approved repair shop.

  • Accident forgiveness, which means your premium won’t increase after your first accident, as long as all drivers on your policy have had a clean record for the past five years. Accident forgiveness isn’t available in California.

  • No deductible on windshield repairs.

  • Legal assistance if you get into an accident.

Disappearing deductible is an optional benefit. With this benefit, The Hartford will reduce your collision deductible as long as you maintain a clean driving record. This feature isn’t available in California.

» MORE: Compare car insurance rates

Auto insurance discounts

  • Bundling policies.

  • Driving hybrid or electric vehicles.

  • Completing young driver training.

  • Insuring cars with more than one air bag or anti-lock brakes.

  • Completing an approved defensive driver course.

  • Paying for your policy upfront.

  • Being a member of AARP.

  • Owning a home.

  • Owning a new vehicle.

  • Having a student who lives away from home.

Complaints and customer satisfaction

The Hartford had more than the expected number of complaints about auto insurance to state regulators relative to its size, according to three years’ worth of data from the National Association of Insurance Commissioners.


More about The Hartford insurance

Website: You can get a quote, pay your premium, access auto ID cards, manage policies, and file and track claims on The Hartford’s website. It also has basic information about coverage options and discounts.

Mobile app: You can log in to the app and pay bills, track claims, view your policy, see your electronic auto ID card and more. You can also summon roadside assistance, locate a repair shop or agent and start a claim.

Homeowners insurance from The Hartford

The Hartford also sells homeowners insurance policies. To read more about coverage options and discounts, check out NerdWallet’s The Hartford homeowners insurance review.

Other insurance from The Hartford

Insurance policies available through The Hartford or third-party partners:

  • Boat.

  • Classic car.

  • Recreational vehicle.

  • ATV.

  • Snowmobile.

  • Condo.

  • Renters.

  • Umbrella.

  • Business.

  • Commercial auto.

  • Flood.

  • Golf cart.

Methodology

Insurer complaints methodology

NerdWallet examined complaints received by state insurance regulators and reported to the National Association of Insurance Commissioners in 2018-2020. To assess how insurers compare to one another, the NAIC calculates a complaint index each year for each subsidiary, measuring its share of total complaints relative to its size, or share of total premiums in the industry. To evaluate a company’s complaint history, NerdWallet calculated a similar index for each insurer, weighted by market shares of each subsidiary, over the three-year period. Ratios are determined separately for auto, home (including renters and condo) and life insurance.

Auto insurance ratings methodology

NerdWallet’s auto insurance ratings reward companies for customer-first features and practices. Ratings are based on weighted averages of scores in several categories, including financial strength, consumer complaints and discounts. Our “ease of use” category looks at factors such as website transparency and how easy it is to file a claim. Using our editorial discretion, we also consider customer satisfaction surveys. These ratings are a guide, but we encourage you to shop around and compare several insurance quotes to find the best rate for you. NerdWallet does not receive compensation for any reviews. Read our editorial guidelines.


Posted

in

by

Tags:

Comments

Leave a Reply

Your email address will not be published. Required fields are marked *