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Periodic Contributor

Hartford Raised Auto Premium 45%

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?

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Newbie

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.

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Honored Social Butterfly

@susanr624672 Hi. Found this on the web...

 

What Insurance Company Is Better Than The Hartford?

 

State Farm, Geico, and Progressive are better than The Hartford, based on factors like average premiums, number of discounts available, and customer service record. Geico is also one of four top-10 car insurance companies that are cheaper than The Hartford, on average, along with Travelers, USAA and Progressive. (Sep 19, 2023) 

 

I do hope that AARP can provide some alternatives for you. Yet, I highly doubt it. They (AARP) seem to strive in soliciting Hartford to many AARP members. You may want to venture outside of AARP to find your savings. 

 

I hope it all works out for you. 

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Newbie

Thanks so much for your reply. I was pretty shocked by the increase. I've been with them for years.

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Honored Social Butterfly

@susanr624672  I've gone through the same hike with several companies, too.

 

I do hope you'll return with what company you decided to go with, something useful for others, as well.  🙂

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Trusted Social Butterfly

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. ***]


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Newbie

Thank you!!

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Trusted Social Butterfly

(2/25/24) You are WELCOME @susanr624672   😎

 


[*** SUSAN @susanr624672 wrote:

Thank you!! ***]


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Newbie

 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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Contributor

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

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Newbie

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.

 

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Bronze Conversationalist

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%. 

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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.

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Newbie

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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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%!

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Regular Contributor

Hi @WayneF254394! We certainly understand your concern regarding AARP Auto & Home Insurance provided by The Hartford. We would be glad to work with the Escalation team at The Hartford to have this investigated for you. To do this, we will need more information. At your convenience, please use this link (https://help.aarp.org/s/) to contact us by phone, chat or text and provide the following:

- AARP membership number (or home address)

- Best email address & telephone number

- Description of your issue

- Please mention that you are requesting an Escalation or assistance from AARP regarding this issue.

We apologize for the inconvenience and appreciate you informing us of your concern. We look forward to hearing from you soon!

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Periodic 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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Newbie

 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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Newbie

Our Hartford rate went up 27% for a 6 month policy, that's 54% annually which is and should be unsustainable for most AARP members. As far as this rate hike from  Hartford and their business plan  AARP needs to reassess their relationship and quit promoting it.

Richard Schonder # [MEMBERSHIP # REMOVED]

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Regular Contributor

Hi @SuzanL826921The most recent term increased was most due to a rate revision The Hartford implemented in all states. We asked that members contact The Hartford directly to go over any options that will be available to help offset the cost. If this is related to an auto policy, there’s been a increase in supply chain issues, labor shortages, and the frequency and severity of car accidents. These trends, combined with medical costs continuing to soar, have caused the price of most accidents to rise. It was necessary for The Hartford to increase their prices to keep up with the costs for repairing or replacing damaged vehicles and helping to indemnify those harmed in losses. There may also be specific factors that may cause a member's policy to increase such as a change in age, your driving record, how your vehicle is used, your vehicle symbol and coverage limits, loss of a discount, and any other changes made to your policy.

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Periodic Contributor

 This is not enough action on the part of AARP.  Members are reporting increases in the 45 to 75 percent range over 12 months.  This is unconscionable.  I moved my policy to Hartford in 2023 in no small part because of AARP's good name and endorsement.  Now my policy has increased 62% over 12 months.  Is this not a classic definition of bait and switch?    AARP fix this!!

 

 
Honored Social Butterfly

@MartynP267354 wrote

 

AARP fix this!!

+++++++++++++++++++++++++++

 

What do you think they can do ?  

 

Not considering what you are paying, are you still getting the discounts and benefits which they { Hartford } have documented for AARP members - inclusive of the footnotes ?

 

The Hartford - AARP Auto Insurance Program From The Hartford

 

AARP - Membership Benefits - Auto and Property Insurance 

 

AARP DISCLOSURE

[ see bottom of page ] 

DISCLOSURES

AARP commercial member benefits are provided by third parties, not by AARP or its affiliates. Providers pay a royalty fee to AARP for the use of its intellectual property. These fees are used for the general purposes of AARP. Some provider offers are subject to change and may have restrictions.

*Your savings may vary. Rate difference for AARP members and non-member vary by state and AARP membership tenure. †Terms and conditions apply. 

State Availability

Not available in U.S. territories: Puerto Rico, the U.S. Virgin Islands, American Samoa, Guam and the Northern Mariana Islands. Accident Forgiveness and Disappearing Deductible are not available to CA policyholders.

 

 

It's Always Something . . . . Roseanna Roseannadanna
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Periodic Contributor

What can AARP do?

 

 Well after a little digging and some conversations with people at Hartford what AARP could do is make the online defensive driving class available to all members without charge.  This would result in an ongoing discount from many auto insurers. 

 

If AARP truly has member's interests front and center, this could be a simple and effective gesture with widespread effect. 

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Periodic Contributor

I think AARP needs to decide where their loyalties lie - either with their membership or their relationship with Hartford.  If its with the AARP membership, then immediately terminate all endorsement of Hartford and completely disassociate the use of any AARP relationship. Perhaps the loss of up to 40 million referrals would hurt Hartford where they would feel it in their stock price which has seen a market beating increase from approximately $70 to $100 over the past 12 months.  It would at least give Chris Swift their CEO something to explain at the next shareowners meeting unless of course he is too busy counting his approximately $14,000,000 in compensation.  

Community Concierge

We're sorry to hear you’re having trouble with The Hartford, @MartynP267354. We are listening and would like the chance to help as soon as possible. Please visit https://help.aarp.org/s/article/contact-aarp to chat, text, or speak with a representative who can get you in touch with our Member Relations team. - Diana G.

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Honored Social Butterfly

They JUST renewed their affiliation in 2020 to 2033 

Hartford News Release 06/02/2020 - The Hartford And AARP Agree To Extend Auto And Home Insurance Pro...

 

I have asked several times how these increases are being applied - is it collision, comprehensive or the reduction of other discounted benefits like disappearing deductible or something else similar, etc.  I have yet to get anybody to tell me.  

 

Do people opt for these savings measures?  Like payment in full instead of installments?  Or New car replacement?  

 

Heck, is this happening based on where some people live?  Traffic, car thefts. the replacement and repair cost of autos - especially those of the newer variety with all the technology - 

 

Good grief, it cost a mint to even have a windshield replaced because each car is different in their glass tech.

 

All I know for sure is that ALL auto insurance cost have gone up for many reasons.  If you want bare-bones you can find it but then are you covered adequately?  

 

 

It's Always Something . . . . Roseanna Roseannadanna
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Community Concierge

We're sorry to hear you’re having trouble with one of our benefit providers, @GailL1. We are listening and would like the chance to help as soon as possible. Please visit https://help.aarp.org/s/article/contact-aarp to chat, text, or speak with a representative who can get you in touch with our Member Relations team. - Diana G.

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Trusted Social Butterfly

(3/18/24) I agree @MartynP267354  👍

 


[*** MARTYN @MartynP267354 wrote:

I think AARP needs to decide where their loyalties lie - either with their membership or their relationship with Hartford.  If its with the AARP membership, then immediately terminate all endorsement of Hartford and completely disassociate the use of any AARP relationship. Perhaps the loss of up to 40 million referrals would hurt Hartford where they would feel it in their stock price which has seen a market beating increase from approximately $70 to $100 over the past 12 months.  It would at least give Chris Swift their CEO something to explain at the next shareowners meeting unless of course he is too busy counting his approximately $14,000,000 in compensation. ***]


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Trusted Social Butterfly

(3/18/24) @MartynP267354 , AARP is not going to "fix" the issues with Hartford. All they do is post they HEAR the complaints!  😎

 


[*** MARTYN @MartynP267354 wrote:

 This is not enough action on the part of AARP.  Members are reporting increases in the 45 to 75 percent range over 12 months.  This is unconscionable.  I moved my policy to Hartford in 2023 in no small part because of AARP's good name and endorsement.  Now my policy has increased 62% over 12 months.  Is this not a classic definition of bait and switch?    AARP fix this!! ***]


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Periodic Contributor

Increase in supply chain issues? for what? Computers, copy paper, paper clips? I just got off the phone with Hartford because our rate was unjustifiably increased by 27%. I was told it was a rate revision that not only each state, but also AARP approved. I understand (and even expect) it if there were claims involved on individual policies, but to do a blanket increase because the insurance company may have had to make a few more payments than they're used to is unconscionable.  

It was laughable to get my policy renewal statement where The Hartford was so excited to tell me "congratulations, you've earned 450.00 off your collision dedcutible with Disappearing deductible!" only to find out the premium increased by $407.00!  After almost 10 years with The Hartford, I will now spend an inordinate amount of time researching alternatives. 

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