I resolved The Hartford insurance rate increase and saved $$$

[VintageDrummer]

Here's how I successfully resolved the interrelated problem with The Hartford raising the insurance premium dramatically for my auto insurance even though I have an excellent driving history, and AARP acting helpless to leverage the matter with its business partner (i.e., The Hartford) ...

1. I recently dropped The Hartford at renewal time in favor of a different carrier (Progressive) and, in the process, save substantial money.

1. I subsequently called AARP and cancelled my membership and will be receiving a prorated refund of my five-year membership payment (more savings for me). If more people took this approach and there was a decrease in membership, perhaps AARP leadership would redirect its energies to be more member centric?

It seems that AARP has lost its way helping members in favor of income from royalties paid by business partnerships. 

[MartynP267354]

I'm FREE, bye, bye Hartford.     It's a wonderful feeling to kick Hartford down the road. A bit like that first time as a kid when you learn to ride a two wheel bicycle without falling off.  AARP members,  follow me, I'm the Pied Piper..... 

[SpringIsHereVA]

Martyn @MartynP267354 , who did you switch to? I have Allstate in Virginia. Take care, Nicole  👵

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[*** @MartynP267354 wrote 4/22/25:

I'm FREE, bye, bye Hartford.     It's a wonderful feeling to kick Hartford down the road. A bit like that first time as a kid when you learn to ride a two wheel bicycle without falling off.  AARP members,  follow me, I'm the Pied Piper..... ***]

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[BalbonisMoleskine]

For those of you who switch every year other than two, how many hoops do you usually have to jump through to get coverage? When I switched to Hartford, I had to either allow an agent to inspect my home or use their app to take photos. Not too bad but not something I want to have to endure every year or two.

What is Progressive like in that regard? State Farm? GEICO? Others?

[VintageDrummer]

Over 12,000 views to my June 2024 post above. And yet, in 3/4 of a year later, AARP clearly hasn’t been meaningfully responsive and isn’t doing much of anything substantive to help Members with the auto insurance rate problem with The Hartford. I cannot help but wonder why.  

[jg5115]

My elderly, retired father, living on SS paycheck to paycheck, has used AARP/The Hartford for decades. His rates began to go up exponentially as of 2023. 

2022=$2019/yr

2023=$2665/yr,

2024=$3018/yr

2025 $4926/yr... they've gone up by $2261 in 2yrs and $1908 in 1yr... WHY??? He hasn't made a claim since 2012 which was for hail damage. If natural disasters are causing the rates to go up then only raise the rates for either those who made claims or those who live in the natural disaster areas, instead of across the board. I just dumped AARP/Hartford and added my dad to my State Farm account, 2 automobiles, 1 cargo trailer and Homeowners (with even more coverage than he had with AARP/Hartford) and it's only $2713/yr. Even Lloyd's of London admitted insurance is nothing but a Ponzi-style scheme, so just stop with the excuses and blame. 

[MillerH715495]

That's an utter shame and I feel for him. I just got hit with about a 50% increase in my premium, despite having no claims, accidents, or tickets. Will definitely be moving on from Hartford and likely dropping AARP, too.

[AARPConsumerCare]

@MillerH715495 We're sorry to hear you're having trouble with rate increases with The Hartford. We are listening and would like the chance to help. 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. - Christy C. 

[MillerH715495]

Thank you for replying, but I will be going to GEICO. Their premium for six months is $130 less than what I am paying on current term with Hartford AARP. Bad look for both Hartford and AARP, but works out for me in the end.

[GailL1]

WOW, that is a lot.  Can you tell us the zip code where you live or area.  What portion of your insurance went up the most - because Comprehensive would indicate a high auto theft rate in your area, whereas Collision would indicate car crashes and repair cost - all of which are expensive nowadays with the average car price over $40,000 and repair cost with all the electronics is very high too.

I guess it could also be UN or UNDER Insured Drivers which I am finding is also going up - I guess this is because some drivers are now driving without insurance or the minimum the state requires which is never enough.

[MillerH715495]

Zip is 75025, which is Plano TX. It is a really low-crime area. 

I don't know what part of my policy increased, specifically. I was so aggravated that I did not dig into it.

[TRL1111]

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@MillerH715495 wrote:

I don't know what part of my policy increased, specifically. I was so aggravated that I did not dig into it.

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Most people don't, but it's vital if someone wants to be an informed consumer.  But I think being an informed consumer is pretty low on most people's list of important things.  Especially with insurance, which is wildly confusing, and the pricing can be inscrutable.

But I greatly appreciate the agent who took the time to explain why a comprehensive premium might spike dramatically, and might spike with one company but not with another.  Didn't change the premium, but I understood how it could happen.  And when I switched companies because of it, I understood that the same thing might happen next year with the new company, depending on their claims experience.

[TRL1111]

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@GailL1 wrote:

What portion of your insurance went up the most - because Comprehensive would indicate a high auto theft rate in your area,  

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Or probably more likely, weather-related events, like flooding and hail, which comprehensive coverage also covers.

I just checked my insurance coverage (not Hartford).  I have a 25-year-old station wagon and a 25-year-old  sports car.  The comprehensive portion of the premium on the station wagon is $120 a year and the comprehensive portion of the premium on the sports car is $330 a year--almost three times higher.  And that is even though the BMW is pretty much theft-proof, since it has a manual transmission.  😀  

[GailL1]

@TRL1111 -

The manual transmission in the BMW sports car is only a rite of passage in car theft rings - the difference is probably due more to the replace cost of the vehicles - is there any comparison of a 25 year old station wagon and a 25 year old imported sports car?  Especially if it is Red!

Hope you lose neither -

I think we should get credit for having a car garaged at a personal residence.  Isn’t it safer from theft and from elements if it is?

[TRL1111]

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@GailL1 wrote:

The manual transmission in the BMW sports car is only a rite of passage in car theft rings - the difference is probably due more to the replace cost of the vehicles 

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Yeah, I know.  I was kind of kidding.  I think of the manual transmission more of as a way to help a bored teenager keep from making a very bad decision.  

Plus this car would be the worst one to steal because they didn't make very many of them, so you almost never see them out in the wild, and they attract attention.  Not to mention it's in terrible shape, compared to the garage queens that most of them are--dents, peeling clearcoat, ripped seats.  Daily driver for 25 years takes a toll.

[GailL1]

@TRL1111 wrote - Not to mention it's in terrible shape, compared to the garage queens that most of them are--dents, peeling clearcoat, ripped seats. 

________________________________

Maybe send the insurance company a picture of it in its current shape - 

[AARPConsumerCare]

I am so sorry to hear that your father experienced such an increase in his auto insurance rate with The Hartford.  I have sent you a private message regarding this issue.  Sue C.

[VintageDrummer]

@AARPConsumerCare 
Can you please post examples of how you've helped significantly reduce auto insurance premiums from The Hartford? (no need to provide customer names, of course)

If there are none, what is the point of taking Community posts private, as is repeatedly the effort of AARP?

[GailL1]

@jg5115 

Some reasons why premium are increasing - everywhere.

1.  The age of the driver i - you know why, right - not as agile- slower reflexes.  

Premiums are high for those less than 25 - especially males.  Premiums are also high for those over 70.

2.  The cost of cars - not just the one that the insured is driving but the ones that they might hit.  I read somewhere that with all the tech in cars today, that many are just claimed to be a total loss because of the cost of the repairs.

3. Under insured and UNinsured drivers are another reason and there are many driving around with little or no coverage so it is up to a person to insure against people that this.

5.  Added liability to protect what one might have in cash, investments and in assets/resource.

I know there are more reasons - but I am running out of juice.  Raise the deductibles, see if he might qualify for low mileage, talk to his agent to see what other discounts he may be eligible.  

[tklemen]

The reason why "many driving around with little or no coverage" is because auto insurance is very high and there seems to be no limit in rate increases. I just asked for a low mileage adjustment/reduction to my policy from the Hartford now that I'm driving about 5k miles/year, and they increased my premium by 25%. Insurance rates increase every year, and my fixed income can't keep up. 

[AARPConsumerCare]

I can understand your frustration about your increased premium, @tklemen. We are listening and would like to hear more about your experience. 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. We look forwards to hearing from you soon. - Daniela R. 

[SpringIsHereVA]

@tklemen , I had asked for the same thing here in Virginia and mine went down. I have had Allstate since 2018. Retired when COVID hit in 2020 = less mileage.

➡️*** YOU WROTE: I just asked for a low mileage adjustment/reduction  to my policy from the Hartford now that I'm driving about 5k miles/year, and they increased my premium by 25%.

Take care,

Nicole  👵

[RosettaW353361]

I too got a Progressive quote which is $400 cheaper. However,  when I did a customer review Progressive customer service rating is extremely poor. 

[VintageDrummer]

@RosettaW353361 

I needed to use my new Progressive coverage last year (after switching from The Hartford) to file a claim for windshield damage. The customer service I experienced was top notch, no hassles at all and the windshield was replaced professionally. This was my only experience with them and I have no complaints at all unlike my experience with The Hartford and AARP in terms of discussion about rate increase. I cannot attest to others' experience with Progressive; maybe others can chime in?

[StevenS900365]

I I agree. I used to hae the Hartford year ago, but ended up Insurance shopping over th year for cheaper rates. Back in September I resighned up with the Hartford from Progressive for cheaper rates.

Right now I'm stuck at home because The Hartford failed to inform me they didn't get their payment, and my policy is cancelled and to reinstate they want 4 times my normal monthly payment. So I payed it but because they are closed on the weekends the payment is pending. I called them all upset and it showed in my voice and the Rep just said don't yell at me. I said I'm not yelling at you I'm just upset. If you are a customer rep you need to get used to some loud upset taking. So I aked why wasn't the payment taken out of the new debit card I added on line for my auto payments. She said we don't have any new updates showing. Apparently on Auto pay they don't allow you to change your form of payment. My Bank account had recently been scammed and I had to go throught the long process of opening up a new bank account and waiting for a new debit card. When it arrived I went online and updated the info with The Hatford. Apparently it didn't arrive at their end and because they didn't receive payment. I was unaware of this for 20 days, with out The Hartford E-mailing me or texting me to ask why the payment didn't go through. So after trying to explain to the Rep the reason she didn't care and didn't make any effort to come up with an alternative solution. I asked for a Supervisor and was told she'd call me back when she was done with another customer. That didn't happen. GREAT CUSTOMER SERVICE!!. So now I'm stuck at home because they haven't processed my payments. As soon as I can get some temp insurance I'm cancelling them out along with my home insurance and am calling my state insurance board

[AARPConsumerCare]

@StevenS900365  I am so sorry to hear you had that much trouble with The Hartford! We are listening and want to help. 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. Take care!  Jodee R. 

[goffprof]

Jodee- respectfully, many of us have already contacted AARP customer service and member relations.  We all get the same useless apology, and request that we don’t cancel The Hartford or AARP.  There is never a serious response to customers as AARP has failed it’s members and won’t acknowledge it has a terrible contract with The Hartford.  Progressive and other insurers can provide similar insurance coverage for $hundreds less.   Long time customers are not pleased with AARP or The Hartford. Self serving meaningless apologies from AARP are simply NOT acceptable. Do you finally understand? 

[MartynP267354]

Well stated. Right on. 

[kb6149]

We are facing this same problem. Your last comment of " ... It seems that AARP has lost its way helping members in favor of income from royalties paid by business partnerships. ..." is spot on. We are dropping them as well,

[AlanM252517]

Interesting  because I just got a quote from Hartford which is $1,000 cheaper than Progressive on the same 4 vehicles for a 6 month term.