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Newbie

BEWARE of Hartford Auto BAIT and SWITCH

I switched to AARP Hartford Auto Insurance last year.  The premium for the first year was very attractive saving us about $200 compared to our previous carrier.

BUT,  when the policy renewed after the first year, Hartford has raised the premiums by 28%.  I have no claims, perfect driving record, and no changes to the policy.  Hartford customer service has no credible explanation for the increase.  This looks like a classic BAIT and SWITCH to me.  I am hugely disappointed in Hartford and will be switching insurance again after getting some new quotes from different companies.  AARP should seriously look at what businesses they endorse. 

SammieS.
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Newbie

Hartford insured for 3 years. No tickets, no accidents, no claims. My 4/2024 quote is $2,391, last year was $1,642, an increase of 48%. Hartford's underwriting is basing their rate on whatever the market will bear. Not 'What do we need to charge to cover our cost of capital.' And so long as the Hartford continues to pay its franchise fee, frankly AARP doesn't give a **bleep**!

Newbie

Happened to us as well!  $280 dollar increase!  When I called, no explanation except let’s see what benefit we can lower.  Smh so disappointed.

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Newbie

33% increase!!

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Contributor

Same thing has happened to me, and I too have clean driving record with excellent credit.  I switched in Oct 2022, next renewal increased 28.5%, then next renewal went up another 31% and now another 30.5% coming for next payment. 

 

Total bait/switch scam of insurance!  AARP should stop promoting their insurance!!!!!

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Info Seeker

I paid in full and still received a bill for 125.00 because of Their trash driving app wasn't compatible with my new phone. I've checked other insurance who have driving apps but it's a choice. I am looking to change my insurance carrier before the 6 months price jack. I'm so disappointed but I can afford to buy another policy in full until the hartford refund me and they can stick that app where the sun don't shine. 

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Community Concierge

I'm so sorry to hear you’re having trouble with one of our benefit providers. 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.  - Janelle M.

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Contributor

My heart goes out to you. I had dealings with Hartford many years ago, and I was not satisfied.

I hate to note this, but this is not bait and switch. Bait-and-switch is "the action of advertising goods which are an apparent bargain, with the intention of substituting inferior or more expensive goods:" Everyone here, AFAIK, got their $200 special offer. Was there any mention of lifetime price and benefits lock? When the customers went to buy another year's contract, well, no discount. Credit card and cable TV companies call it an "introductory offer." Retail stores call it "first (item) at X% discount." This is the new old way of capturing customers. Maybe some customers will leave after the introductory offer is realized, but most will renew. That is just human nature; caveat emptor, too good to be true, etc. I feel for you, I hate when that happens to me, but that is a legal and time-honored way to do business. Customers gripe, but that is why some businesses have a bad rep, yet they keep going strong.

BTW, please notice that companies that advertise "price lock for N years" never mention that the benefits are not guaranteed, just the price. Benefits, "plans," may and likely will change with time, usually not for the better. Another legal and time-honored way to drum up business.

Caveat emptor.

 

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Newbie

This just happened to me as well.  My renewal after six months went up over $200.  You cannot tell me this wasn't a total bait-and-switch situation.  Nothing has changed, no accidents, no claims, no tickets, nothing.  I am absolutely furious about this - they know what they are doing, and it is entirely wrong to put members in a financial situation like this.  They would still be about $150 less every six months, and I probably still would have switched, but this feels completely unethical and dishonest.  

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Info Seeker

Yes, I enrolled in home and auto insurance because their premiums were below my prior insurance. Since enrolling six month ago, I have had no tickets, no accidents, I have TruLane, I had defensive driving class, I pay in full. Yet, my premium for auto increase $60.00. Now I'm close to my prior premium and if this occurs every six months..... Surely AARP will investigate all these complaints about Hartford since they recommend it. 

marian letellier
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Community Concierge

Hello Marian. I am sorry to read about your experience. You can always contact AARP for help if there's an issue with an AARP provider or questions or suggestions for AARP. Please use this link (https://help.aarp.org/s/) to contact us by phone, chat or text.

 

  •            Description of your issue and/or suggestion

 

  •            Mention that you are requesting an escalation

 

We look forward to hearing from you!

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Bronze Conversationalist

I've been with AARPTheHartford for many years now. With zero claims in all of this time on both policies our home insurance still went up $200.00 and our car insurance went up $300.00!!! Time to shop around. What a joke this insurance has turned into!

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Newbie

This seems to be a common insurance provider practice. I am leaving Allstate because my first renewal of my car insurance went from $749 for 6 months to $895 for 2 cars with no tickets, accidents or claims. My search for a new company  brought me to AARP/The Hartford which I was going to move to until reading these reviews.

Newbie

Yeah well they baited and switched me right on the jump with the quote telling me that I couldn't use the membership that my grandmother bought me to get the bigger discount. I had to get my own and it jacked up almost $30 from the quote I had online prior to calling them.

Glad I went with my instinct and told them no. Glad I found this to validate me. 

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Periodic Contributor

Hi there, here to help! We certainly understand your concern regarding The Hartford. We would be glad to work with the Escalation team at The Hartford to have this investigated for you. If you are still having difficulties with The Hartford, please either give us a call at 1-888-OUR-AARP (1-888-687-2277) to request an Escalation or send me a private message in the AARP Online Community by clicking this link and entering my username, “AARPMariamaA” into the “Send to” box https://community.aarp.org/t5/notes/composepage . Please provide the following details in your message:

  • Full name
  • AARP Membership # (or home address)
  • Phone # and email address to contact you
  • Description of your 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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Regular Contributor

YES!  AARPHartford is a huge scam....they raised my home insurance 105%...more than double in one year, raised car insurance 25%.    No reason, my credit rating excellent, no claims, they just figured it was time to stick it to a complacent old coger who will just pay it, believing the LIE that he has the best rate that AARP got for old folks.   AARP is just a business, they sell their name and get paid to endorse an insurance co who bids for the endorsement and then  rips their members off.    AARP should be getting us members the best, the cheapest rates, negotiating great deals for us ......but noooooo nooononono....AARP sells it name to an insurance co that charges you DOUBLE!!!...I called Allstate, the same insurance coverage/same house that Hartford AARP charged $2085.  is only $1050.  my car insurance  reduced from almost $1200 , down to $950  with Allstate.   AARP should be ashamed....selling out its trusting members to be cheated and over charged

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Periodic Contributor

YES - Definitely bait and switch! They did the same to me and, when asked, said the medical care and car repair costs have gone up. They wanted to raise my rates (perfect driving history, no claims) by 38.65%. But luckily for me - so they say - since I obtained the 23% discount for participating in the HORRID 6-month tracking program (that's another story!), my insurance will only increase slightly this year upon renewal. AARP should drop their sponsorship of this fraudulent insurance. Looking online, insurance rates are ACTUALLY only up 8% in 2023 from 2022 - NOT 36%+. The agent said "everything's going up - have you been to the grocery store lately?" - as though I'm dumb and needed placated to believe this nonsense. I may be older, but I'm definitely wiser. BAD COMPANY

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Regular Contributor

thanks for all the kudos  lattitude,  if youwant to have some fun/frustration, call upsome exec's in the AARP org.....ask them to reveal how much Hartford is paying them for it's "endorsement"and "branding rights"  (multimillions I bet)    they won't reveal it, try to chnge the subject, try to act all concerned, say they'll look intoit...in the end...members are thrown under the Hartford bus, so AARP exec's can ride that bus wth profits and high salaries...NOT WORKING FOR MEMBERS BENIFIT.

 

Know a good lawyer?  i will provide them incontrovertable documented evidence of nearly double the cost of house and car insurrance  for same identical coverage.

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Newbie

AARPHartford did the same thing to me, increased my auto insurance, almost double, for no apparent reason. When I called to ask, why this is happening they didn't provide me with a valid answer. They only said "Sorry I don't have an answer". AARP should look into their relationship with THE HARTFORD.

 

AARP re-focus it should be about the membership. 

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Regular Contributor

Nekaj.  so go to allstate and you will get the same insurance you had at very close to the old price you were paying. much much less that Hartford....I just got AARP magazine, and Hartford purchases full page adds touting their insurance:  "Saves new customers an average of $550 less when they switch to us from Allstate" LIES!  a blatant lie.....its Hartford that charges double! and AARP sells their endorsement to this price gouging corporate crook.   HOW MUCH IS HARTFORD PAYING YOU MANGERS OF AARP?  (they won't answer),  AARP keeps the millions from Hartford payola that is more important to them then doing their job for the membership of AARP that pay dues to employ them...they sell us out to the highest corporate bidder, who then price gouges seniors 

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Regular Contributor

Hi there! AARP Member Benefits Team here to help. We certainly understand your concern regarding the rate increase of your Hartford Auto insurance policy. We’d be happy to forward your concern to the Escalation team we work with at The Hartford for their thorough review and investigation if you’d like, as there are a multitude of factors that impact your rate. To do this, we will need more information. Please send me a private message in the AARP Online Community by clicking this link and entering my username, “LakeishaT901230” into the “Send to” box https://community.aarp.org/t5/notes/composepage

Please provide the following details in your message:
- AARP membership number (or home address)
- Best contact phone number
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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Anonymous
Not applicable

Hi @BillH614618 you are right about <Allstate>. Luv them 😎

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Regular Contributor

thanks...glad I found allstate, saving me $1250 annually.....the big question I'd like to know is how many $million$ does Hartford give to the AARP org for their endorsement.?    I wish my AARP org worked  for me, getting me the best rates  as a group--instead, they apparently, just sold us out to the highest corporate bidder  

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Anonymous
Not applicable

You are welcome @BillH614618 😎 Thanks for sharing your story with us. 

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Contributor

We recently had a similar increase as well, approx. 30%.  We also switched to Hartford because they gave us a really good rate to start with.  Very frustrating.. I wouldn't expect it to be because of our ages!

 

Laurie

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Retired Moderator

@SammieS99563  Hi there! AARP Member Benefits Team here to help. We certainly understand your concern regarding the rate increase of your Hartford Auto insurance policy. We’d be happy to forward your concern to the Escalation team we work with at The Hartford for their thorough review and investigation if you’d like, as there are a multitude of factors that impact your rate. To do this, we will need more information. Please send me a private message in the AARP Online Community by clicking this link and entering my username, “AARPAngelaC” into the “Send to” box https://community.aarp.org/t5/notes/composepage

Please provide the following details in your message:
- AARP membership number (or home address)
- Best contact phone number
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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Contributor

That was an automated form reply. The exact same reply, word for word as LakeishaT901230 above. AARP doesn't care about our concerns so I'm out also. Bye

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Newbie

The only thing that impacts my renewal rate going up to $636 from 490 is a big fat lie!  My husband and I are the victims of a classic bait and switch.  Who is going to help us with this? Obviously not AARP.  Shall we get an attorney involved?

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Regular Contributor

Hi @TinaBhere!  We understand your concerns about your recent premium increase and have reviewed your two post. The most recent term increased primarily due to a rate revision The Hartford implemented in all states that The Hartford insurance is offered. 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. The increase was approved by each state. 

 

If you were unable to get specific answers as to why your premium increase and what options The Hartford can offer to you to save, 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 send a private message to provide the following:

  • AARP membership number (or home address)
  • Best email address & telephone number
  • Description of your 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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Honored Social Butterfly

And don't forget the average price of cars - new, specifically, but used too, have risen greatly.  

Kelly Blue Book 12/12/2022 - Average New Car Price Sets Record

 

People need to make sure that they are fully insured; adequately insured, because if not, and an accident happens which could be your fault - you are risking financial ruin if not adequately covered.

 

 

It's Always Something . . . . Roseanna Roseannadanna
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