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LarryA556457
Contributor ⭐
September 19, 2023

Hartford Raised Auto Premium 45%

  • September 19, 2023
  • 77 replies
  • 33070 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?

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    susanr624672
    Contributor ⭐
    February 25, 2024

    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
      SummerOnTheWay1
      February 25, 2024

      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 ⭐
      February 25, 2024

      Thank you!!

        K
        kyjweber
        Contributor ⭐
        April 20, 2024

        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.

          GailL1
          GailL1
          Community Champion ⭐⭐⭐
          April 20, 2024

          @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

           

           

          IT‘S ALWAYS SOMETHING . . . . .. . . . Roseanne Roseannadanna
            K
            kyjweber
            Contributor ⭐
            April 20, 2024

            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.)

              VintageDrummer
              VintageDrummer
              Contributor ⭐⭐⭐
              April 24, 2024

              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?

                GailL1
                GailL1
                Community Champion ⭐⭐⭐
                April 24, 2024

                @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”.  

                 

                 

                IT‘S ALWAYS SOMETHING . . . . .. . . . Roseanne Roseannadanna
                VintageDrummer
                VintageDrummer
                Contributor ⭐⭐⭐
                April 24, 2024

                @GailL1 
                The large percentage rate increase is pretty much across the board, based on speaking with my very knowledgeable insurance agent. I've learned it's not much about the particular intricacies of coverage aspects you've been wondering about. If you don't believe me, research it yourself. The Hartford raised its rates because it can get away with doing so. AARP earns royalties from its connection with The Hartford. Usually "royalties" means a percentage of sales. If insurance rates go up, maybe AARP's ok with that - more $$$ for AARP if royalties are based on sales but then, sadly, more expense for Members who don't take the effort to find another auto insurance company.

                 

                I'm in the process of changing to a better and less expensive provider and will be dropping The Hartford like an overheated potato. AARP is not doing what's best for its Members.  AARP could offer more than one insurance carrier; AARP could drop insurance partners if they stop being good deals. AARP seems stuck in its many years' relationship connected to The Hartford (Cui Bono?). AARP doesn't seem capable of change. Their support operation is of no usefulness in this matter. AARP has lost its way and needs better leadership. Probably the only thing that will prompt AARP to act differently would be if large numbers of Members cancel their membership. Much of the so-called AARP benefits and information on various topics can be found elsewhere (online; libraries; books; etc.)

                I'll very soon be quitting AARP and requesting a prorated refund. The net result will be me saving significant money and not wasting time trying to improve matters by interacting further with their support operation.

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