Comprehensive car insurance is a coverage option you will have to add when taking a loan to buy it. Even Comprehensive coverage is not mandatory in any state, many lenders will ask you to add it along with collision coverage. The Hartford is a well-known name in the auto insurance industry. In this article we will talk about how much it costs and what benefits can you get from their policy.
What is Comprehensive Car Insurance?
Comprehensive car insurance is a coverage option you can add to your policy, this one will protect your vehicle against any act of God such as hitting a deer, floods, fires, hurricanes, earthquakes, tornados, in addition, it will protect your car from vandalism or theft. In a nut-shell, it will protect your vehicle against non-collision damages.
The Hartford Car Insurance
The Hartford car insurance is an insurer that is focused on 50-year-old driver or older. They are partners wtih AARP bringing addiotional benefits for their customers like lifetime car repair insurance, accident forgiveness (not available in California), new car replacement when your car is totaled, you won't need deductibles on your windshield repairs, and legal assistance in case you suffer an accident or they pay you up to $500 for an occupational therapist in case you suffer an accident.
How Much Does The Hartford Comprehensive Car Insurance Cost?
The Hartford comprehensive car insurance cost will always vary, many factors will affect on your premiums like your vehicle's make and model, your driving history, or your zip code within others. On average, a 35-year-old driver with a clean record, driving a Subaru Outback will pay $174.95 per month.
How much does The Hartford's Comprehensive Car Insurance cost compared to other car insurers?
We've been checking again how much does other comprehensive car insurance companies cost compraing our 35-year-old driver with a clean record driving a Subaru Outback example between them and The Hartford Insurance, So this is a small price comparison.
- USAA: $158 per month. They offer great discounts and their claim satisfaction rate is the highest in the country, but it's only available for drivers with military ties.
- The Hartford Insurance: $174.95 per month. Even being one of the most expensive car insurance companies in the country, they offer great benefits for all AARP members only.
- Progressive: $136 per month, They cover your pet in case you suffer an accident with your car, and you can add rideshare on your policy, but their customer service is not very reliable.
- Travelers: $130 per month. They offer many coverage options, but rideshare coverage is only available in Illinois and Colorado, so if you're living in California, you will be doomed if your car breaks down heading to Las Vegas.
- Nationwide: $116 per month. They have the cheapest car insurance for students but their reviews in BBB.org are not that good.
- State Farm: $158 per month, it's your best choice when you have driven with a suspend license or after a hit-and-run. but they don't offer gap insurance as coverage option, so you're asking lenders some money to buy your car, and for any case your car gets totaled right after leaving the dealership, and you will still have to pay the loan.
Factors That Affect the Cost of The Hartford Comprehensive Car Insurance
Here are some of the key factors that can affect the cost of The Hartford comprehensive car insurance:
Driving history: If you’re a good driver, then your premiums will be cheaper than someone who had a DUI, the price difference is that impresive that you could be shocked to know by setting the same example I used above paying $174.95 per month with a clean record may become into $319.91 per month after a DUI.
Your Zip Code: Depending on where you live you will end up paying more or less. For example: Someone who lives in Detroid Michigan will pay way more than someone who live in River Rouge Michigan. River Rougue is a small town nearby Detroit, their population is fewer than 10,000, meaning the chances to suffer is lower than living in Detroit.
Make and model of your car: Someone who drives a Subaru Outback won’t pay the same than someone who is driving a Bentley Flying. A Subaru Outback is less likely to theft, and Bentley’s value is higher, meaning is more likley to theft.
Deductible: Setting high deductibles will let to your insurer know you won’t set claims that lightly, let’s say you set $1,000 in deductibles, then your premiums will be 15% lower than someone who set it for $250.
Claim history: This part may also be an important way to calculate your premiums. If you filed many claims in the past 5 years, then your premiums will also increase. It can also reach the limit of your insurer to cancel your policy.
Why Choose The Hartford Comprehensive Car Insurance?
The Hartford is a great option for your comprehensive car insurance for many reasons, specially if you are part of the AARP, these are several reasons why choose them:
Competitive pricing: The Hartford offers competitive high quality pricing on its comprehensive car insurance policies, specially for 50-year-old drivers and AARP members. They offer many benefits for being one of their customers.
Discounts and benefits: The Hartford offers many benefits to their customers like lifetime car repair insurance, accident forgiveness, new car replacement when your car is totaled, you won't need deductibles on your windshield repairs, legal assitance in case of accident. Many discounts like driving hybrid or electric vehicles, completing young driver training, pay-in-full, adding safety devices such as 2 or more airbags, anti-lock brakes, completing defensive driving course, being an AARP member or new vehicle among other possible discounts.
Conclusion:
The Hartford comprehensive car insurance is the best choice for AARP members and 50-year-old drivers, their average comprehensive car insurance cost is higher than other insurers (as explained above) on average, a 35-year-old driver with a clean record, driving a Subaru Outback will pay $174.95 per month. , but they compensate it with their large amount of benefits and dicounts available. There are many factors that would affect on your comprehensive car insurance rates such as your zip code, your driving records, or your vehicle’s specs. Take advantage of all the benefits and discounts available from them to get a good comprehensive coverage price for your car.
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