Contributor ⭐

Hartford Raised Auto Premium 45%

Forum|Forum|3 years ago
September 19, 2023
77 replies
33213 views

We have been with AARP for several years and decided a few years ago to switch auto insurance to Hartford because of their affiliation with AARP. For no apparent reason Hartford raised our auto insurance premium 45% this time around. Can AARP help us with this problem?

VintageDrummer

Contributor ⭐⭐⭐

I’m highly likely not to renew my AARP membership because of the rate increase by The Hartford. I had only signed up with AARP in order to obtain at the time a good rate on auto insurance. I don’t much use AARP for other purposes.

The organization seems to have lost its way and strayed from its Mission by not doing more to truly leverage its relationship with this insurance Provider to the benefit of AARP Members. If The Hartford can’t provide highly competitive insurance rates then AARP should simply replace it with a better Provider; however, I have seen no evidence of AARP moving in that direction.

Herding Members to chat with Member Relations fixes nothing. AARP already understands the problem facing Members. Maybe AARP values Provider-paid royalties over the financial well-being of auto-driving Members?

G

GailL1

@VintageDrummer

OK,I’ll ask - what part of your AARP branded Auto Insurance went up the most or was it an overall increase? Did your policy change from before to now? Did you change any in the part of premium adjustments that deals with you - age adjustment, credit score decline, family makeup change, geographical location change.

There are all kinds of situations and circumstances that affect premiums on insurance of all kinds. All I hear in these complaints is that premiums are higher - the reason they might be is what is important and that’s never mentioned.

My (not AARP affiliated) UN/UNDER Insured coverage has increased dramatically - guess why.

My comprehensive also increased - reason being car thefts/vandalisms are up where I live.

Could there be something on the policy has changed - did you lose one of those “valued” discounts that is linked to this branded product? Did you uncouple your home/auto coverage thus you lost this discount.

Do you have a Safe Driving Device attached to your car - read by the insurance company for safe driving measure - IDK if this branded product has such a feature.

In addition to all of this, one has to also look at the average claim size now that cars are so expensive with all the new electronics and differences in EVs and Combustible engines.

Maybe you are getting MORE of something - we don’t know.

It really would be interesting to see a more detailed analysis of the whys than just “more money”.

VintageDrummer

Contributor ⭐⭐⭐

@GailL1

Nothing about the coverage on my policy changed. Simply stated the renewal rate increased by 42%. My driving record is excellent as are my credit ratings.

From the consumer angle it’s not complicated - The Hartford is raising the price. Because they can. And I’m now in the process of evaluating more competitive alternatives (which do exist).

And, quite likely, I won’t be renewing my AARP membership.

As well, I don’t care to hear about AARP not being able to do something about the behavior of one of its royalty-paying Provider partners. I don’t believe that assertion absent transparent contractual documentation that supports that contention. And if that were to be the case, AARP should find a more price competitive Provider and learn how to negotiate better contracts.

K

kyjweber

Contributor ⭐

AARP, I don't think investigating ONE person's complaint will help the rest of us. We are ALL claiming ridiculous increases every 6 months on auto and yearly on house. You need to re-examine your partnership with Hartford and maybe change.

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GailL1

@kyjweber

Maybe you should go to the source - meaning the AARP arm that developed the name branded agreement with The Hartford.

AARP.org - AARP SERVICES, Inc

K

kyjweber

Contributor ⭐

Thanks for the suggestion, @GailL1, but I've spent too much time on this already. Trying to find the right person and correct way to contact them will take so much more time. If they haven't checked the complaints here in the past few years, I don't have much hope.

I'm in the process of changing insurance companies. To be fair, the rate hikes happen with every company. Every 3 years or so I do some research and at least start out at a better rate. (Love your Roseanna pic! Love Gilda.)

S

susanr624672

Contributor ⭐

Hartford raised my insurance 42% this year. AARP help! Does anyone have a good alternative? I'm finding this out at renewal and don't have any alternatives in place so stuck paying the inflated $483 extra.

SummerOnTheWay1

1 comment (2/25/24) @susanr624672 , it depends on what coverage you want. I have Allstate in Virginia and retired with a 2006 Hyundai Elantra. I also live in Florida and that state is h.ll with insurance. Good Luck 😎

[*** SUSAN @susanr624672 wrote:
Hartford raised my insurance 42% this year. AARP help! Does anyone have a good alternative? I'm finding this out at renewal and don't have any alternatives in place so stuck paying the inflated $483 extra. ***]

S

susanr624672

Contributor ⭐

Thank you!!

A

ad91895610

Contributor ⭐

For 3 autos, 2 senior drivers with clear records our annual premium increased from $2200 to $4800. Shopped the policy and switched to Progressive for $1400 yr, same coverage. Progressive's on line and app access is so much better too.

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Nemesis666

Contributor ⭐

Same here, up 36% this year.....way to support the retiree's AARP!

G

GregK439261

Contributor ⭐

I just checked to see how much we will owe for The Hartford auto insurance renewal in late February. It went up 73%. I talked (texted) to someone at The Hartford. All they could say is that because we live in Florida and there are natural distasters here, Florida had the hightest increases in the country. But73%? No accidents, no tickets, drive 50 miles or less per week. We are not in a flood zone and experienced no flooding, even during Hurricane Ian, which went right over us, and was one of the---if not THE worst--hurricanes to hit Florida. AARP needs to investigate this mistreatment of senior citizens.

Tempest332

Community Champion ⭐

Got my renewal. Mine went up 29% with no changes, tickets or claims. From a few people I spoke with this seems to be the norm. . I haven't had a claim since 1993, & drive around 6K/yr

Auto Insurance companies primarily do that, lowball you in, then creep your rate up, I've been with Hartford for 6 years with pretty much the same years of vehicles (actually older now). & my rate has close to doubled for the same coverage. ... no tickets claims or accidents in that period.

I fear though next year this will be another 30%.

W

w478291r

Contributor ⭐

Same experience with Hartford. There initial insurance (auto) quote was the same as most others; now they have increased my premium by 35%. Where's the discount? Oh! just in advertising.

J

JackO388839

Contributor ⭐

Same concern here. Went with to Hartford because of affiliation with AARP and the associated good rates. Hard to believe the AARP members with this insurance has had enough claims to warrant this size of increase in premium. This does not reflect well against AARP in my opinion. How are our benefits being protected as members? We need the clout of AARP to determine if this is justified and if AARP needs to be shopping this benefit to other auto insurance companies.

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WayneF254394

Contributor ⭐

Mine just went up 40% with no changes, tickets or claims! When I chatted with them they basically said tough luck, nothing they could do about it! In Arizona the average increase is 9% this year, but they could not explain at all why they have to increase by 40%!

D

dw22859371

Contributor ⭐

I think the only thing that will correct this is for people to go elsewhere this year. We would have preferred to stay, but ridiculous rate increases for no legitimate and/or sound reason forced us to look elsewhere. The Hartford reached out and asked us to complete a survey on why we left so I happily completed it. One of the final questions was to ask if we'd be back. I said maybe. I liked being part of The Hartford. I didn't like being taken advantage of by The Hartford. The only message that will make them understand is losing customers.

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JackO388839

Contributor ⭐

I think a good message to deliver would be for AARP to perform an insurance carrier assessment/valuation and determine which carrier will provide the best value for it's members. That is what I expect from AARP. Viewing the number of complaints, I would have thought this would already be done. Your thoughts, AARP?

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