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Newbie

Issue with AARP and Hartford Insurance

I joined AARP recently. Did an auto quote online with Hartford Insurance using the link provided by AARP a few days ago. As the phone number is optional for the quote, I provided email only. At the end, the quote is about 10% higher than my current premium, so I did not proceed. Hartford Insurance keeps sending me emails. Unsubscribe does not work, so I have to block it as spam. To my surprise, I received two calls from Hartford Insurance today! AARP, can you tell me who gives my phone number to Hartford Insurance? What a shame!

Contributor

After I got my 6-month renewal with Traveler's for $831, I thought I found a good rate with State Farm at $648.  USAA is supposed to be the best, but they came in at $811 or $818.  AARP/Hartford came in at $1,145 for a YEAR, $1,081 paid upfront and $1,073, after dropping towing coverage, since I have a car with GM roadside assistance for the next 4.5 years.  I haven't paid $536.50 per 6-months of full coverage on a new car since, I don't know, the 1990s?

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Contributor

I responded to the offer from AARP to get an auto ins. quote from Hartford and receive a free travel bag. Well, after a long time on the phone with a Hartford agent I was quoted double what I already pay. I think they sold my number because I am getting a lot of off the wall solicitation calls since the call. The agent seemed annoyed that I didn't buy their insurance. I wonder if AARP will send my travel bag? 

 

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Periodic Contributor

I've requested several times that AARP state how much money they get from Hartford to use the name "AARP".    This tag, "AARP ins" implies its a vetted company, that maybe gives a better group rate to us in the membership....seems quite the opposite, I saved over $900 on home owners and $300 on car ins.  How much is Hartford giving you AARP?   they are hosing your members, you don't seem to care, it must be quite a lot.  I Smell conflict of interest, big funding for AARP org  vs  getting fair treatment and good rates for your membership.

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Newbie

I've been trying to reach them through e-mail on my bundled homeowners/auto policy with increased - yet again - but can't.  What's up with that?  I've never had a claim in all these years.  I've searched for an e-mail contact and they don't seem to do that any more.  Put responses in writing, is you will. 

I want a written response.  Anyone know how to get that?

Periodic Contributor

AARP Member Benefits Team here to help. We certainly understand your concern regarding the service provided by The Hartford. We can request a written response for you.  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. 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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Periodic Contributor

AARP is a business, in it for their own profit.  they sell their name to Hartford for millions a year.  Us gullible old folks think we are getting a discount that AARP  arranged for us, when in reality we are being delivered to a price gouger.....my recent latter to AARP Hartford:

 

Please forward this msg to CEO  and corporate headquarters:
 
 
After 7-8 years as your customer, you chose to DOUBLE my insurance bill in a single year...for no reason; I made no single claim against you all those years, my credit rating is nearly 800, there have been no changes in my property, no increased risk.
 
I went straight to your competitor, Allstate, getting identical coverage for less than half of what you demanded.   I will be telling this story all over the internet.   
 
please take my name off of any communication list, remove my e-mail from your data base, I consider you a greedy, price gouging corporation I want nothing to do with.   I am suggesting to AARP they sever any ties  with you.
 
Sincerely,
 
Bill  Hopen,  former   AARP Hartford home and auto policy holder
Bronze Conversationalist

@BillH614618 Thank you BillH. I will look into Allstate. Same has happened to us. I appreciate the tip.

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Newbie

Lil, I hope your experience got better, but I would be very cautious doing business with Hartford. I am very surprised a solid company like AARP supports them. I think they do NOT give seniors any pricing in fact after having been with them for years and both my wife and I have ZERO accidents and nothing new for vehicles, I found they are charging me twice as much as two other quotes I received recently for the "same" coverage. 2 vehicles over 2 years old and they charged us $1400 per year. New quotes from Progressive and Geico were almost half that cost per year.

Didin't take me long to cancel Hartford. Good Luck!

Ken S
Periodic Contributor

Hartford = price gouger.  They pay AARP for the name license, then over charge  seniors.  they raised my bill 105% in one year.....I dropped them  and went to Allstate, got same insurance at half the cost.

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Honored Social Butterfly

Everybody should review their insurance coverage periodically - I do mine about ever (2) years.  But it is not just cost that I am analyzing - it is coverage benefit to coverage benefit as well as premium cost.  Lots of things go into auto coverage that makes it escalate - 

  • age is a big one especially for our group - for many companies, the age of 70 hikes it up
  • zip code - if the area has an increase in traffic  or more claims for a specific insurer 
  • as is the case right now - the cost of new autos and the inflated cost (and repair cost) of used ones
  • you already mentioned credit score

Then if there is auxiliary type coverage like a car rental - same thing there, right now these cost are inflated - 

Then as with some companies, they give you a great rate for the first few years and then up them cause they know that people do shop around.

Does Allstate have that "disappearing deductible" benefit?  

Does Allstate have the "RecoverCare Advantage"?

and other such benefits that could be important to some people

  • New Car Replacement
  • Lifetime Car Repair Assurance

An AARP discount on premium cost is something that the website says "they [MAY] offer.

- I have ever looked at either of these companies - but I am sure that these offerings are added into the price.  So the decision is always to fully compare what the different ones offer in total - some of the benefits may be more valuable to some than others.

AARP Hartford Auto Insurance - Benefits 

 

Glad this has worked out for you - 

 

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

I signed up for Hartford auto insurance and got a discount for the first year. When it came time to renew, however, the premium tripled in price.  I complained to AARP and even cancelled my membership for a couple years. I will never use any of these so-called benefits except for maybe local restaurants. The only time I received a benefit was 10% off at Denny's.

Contributor

Couldn't agree more.  In general, AARP seriously needs to get its act together in the areas of email communications (both from AARP itself and its "partners"), as well as privacy/information sharing with partners. 

 

After years of trying to surgically manage the numbers and types of emails I received from AARP using the tools they provide, I finally unsubscribed from ALL emails from AARP- which worked!  However, when I just recently renewed my membership, AARP automatically changed my communications preferences to their default and I again started to receive emails from AARP-  the first being from The Hartford...And as you've noted, none of the unsubscribe links at the bottom of the emails from The Hartford actually work (you get routed to Foresee, the online survey company, and are told that "Feedback isn't Available".  This is entirely unacceptable - both the change to "default" communications preferences upon renewal, as well as the inoperable unsubscribe links in the emails from The Hartford..  

 

As much as I believe in  much of the good work being done by AARP, I also believe their privacy policies are unacceptable and that their online (web and email) presence and processes need a real kick in the pants as well.

Honored Social Butterfly

Might want to read your membership small print.

AARP Services, Inc.  (profit arm of AARP) develops all of these benefit type things as many other organization's do to get and support membership - AARP.org receives royalties from these companies that says they offer these benefits to AARP members for use of their name.  

 

I think many times members that seek info on these benefits kind of jump the gun and go thru the AARP.org site to check them out.  OR they automatically think these benefits offer a discount type thing.  They don't - they might offer other things that they have developed for this demographic group.  The benefit of these things is still up to the individual and how they might use these benefits in their own lives.

 

One should investigate the AARP-linked benefit anonymously by going directly to the company's plan - just so you can read all about what the benefit is and unless it has some discount stated on specific areas of the AARP benefit - don't just assume.

Many times these benefits are just specifically designed in some way that gives something  to the over 50 crowd -  then it is marketed as an "AARP" (logo included) benefit - Do you need them, do you want them - up to the individual.

These added things also make it very difficult to compare price to price what you might have now.  That's why you have to weigh what things they have added to the plan to make it an AARP name carrier.

 

But this is not just what one should do with these branded products - it is just being a smart consumer.  You have to compare apples to apples to determine any good/better/best price - then it may be an introductory offer so you have to check that too.

The integrity of the company is also good to use in the comparison. 

 

A friend of mine made the mistake of trying to research insurance on one of those e-sites - she thought she would never see the end of those solicitations.

Privacy starts with how much information you give out to them or they have access to from your affiliation. 

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

Hi Gail- I'm not sure whether your reply was directed to me, or to Lil.  But if to me, than I assure you I'm well aware of everything you shared in your email, and can also assure you that 've never made the mistake of making any kind of inquiry to one of their partners. 

 

As such, the info that you shared - while helpful to anyone not familiar with it - doesn't bear on  my fundamental assertions that ones communications preferences shouldn't be changed upon renewal, or that communications preferences for emails from AARP and its partners should be better structured and more granular (e.g. even when I'd whittled my subscriptions down to two weekly or monthly emails, AARP still managed to send me just under 30 emails per month).

Honored Social Butterfly

@LawrenceL46503 

Actually it was just a general comment - not to you or Lil - directed to those who aren't careful about how they do their inquiries  - anywhere, not just AARP.  Sorry if you took it otherwise.  

 

I agree with you about a company changing preferences when one renews - Do you think in this AARP case,  it is a tech thing or on-purpose by design?  Might be worth the ask to the powers that be -  by email 😉

 

I am not a current member so I don't get any emails nor any "benefits".  

 

 

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

Hi Gail-

 

Normally I'm able to decipher whether an organization's "misfires" are intentional or inadvertent (e.g. an IT bug) by working my way up through the customer service chain. But having been somewhat unsuccessful in doing so when I've had a couple prior other issues with AARP- I didn't even bother with this issue.  I simply asked customer service to remove me entirely from email communications and asked the rep to communicate the issue through the channels that were available to her.

 

BTW, I love your use of quotes with the word "Benefits" 🙂  When I first joined way back when, I actually did a couple of the kind of comparisons that you recommended in your initial note, and quickly concluded that they weren't "beneficial" to me at all ... And since then I simply haven't wasted my time with any of them- finding that I can do better elsewhere and on my own.  But that said, what doesn't work for me could indeed work for someone else.  So heeding your admonition to be a smart and cautious consumers is unquestionably the way to go for all of us... Cheers, Larry

Super Contributor

I'm pretty sure AARP sells the phone numbers of their members to various companies. Ever since I joined AARP, I've been getting phone calls from MedAlert at least twice a week, all from different numbers so I can't block them. I opted out, which lasted about 2 weeks. Now, I'm getting prank calls from them which hang up as soon as they announce their name.

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