Hartford AARP Rate increase...

[topspin43]

31% over last year. ($800)

No tickets or accidents. Perfect credit.

Disappointed in Hartford and the AARP. 

Enough said.

[SherryS133816]

AARP needs to step up and involve themselves in this issue.  They are partnered with the Hartford on auto and home insurance -- they are the recommended insurer from AARP.  Instead of having silly games and other stuff up on the website, where is the article addressing this issue of a huge price increase that is affecting all of us who pay AARP via an annual fee to look out for our interests? 

[LWEnjoylife]

Hartford mobile app is terrible to use.  Rate went up over $200 in a year-no accidents, tickets, low driving miles, good credit, and a car 11 years old.  Very disappointed in Hartford and AARP.  

[Nemesis666]

I have experienced this same problem. I left GEICO after over 40years because they almost doubled my rates. I called the Hartford and was quoted (for 2 cars, a 2011 & 2013) $368/6mo. This was  a bit over half of GEICO. I was told "we almost never raise prices" at the time, but my next renewal was $449, then $477 and my most recent quote is $652! Thats a 36% increase. In looking around that appears to be a decent rate comparatively but AARP should not have a partner that is hitting their retirement communities with inflamatory costs. I have had no accidents, no tickets, and I drive less than 5K miles a year.

[GailL1]

But it isn’t just you -  Those other cars on the road have gotten a lot more expensive.  Steer clear of those expensive ones.  😉

Age is another factor that they use in ratings - just like the young when we hit a milestone, premiums go up because stats show that we are more accident prone after a certain age ( I think there is a big up at 70) - you know, reflexes and all that.

[Tempest332]

Yes, it's not only the vehicle you are driving, but the cost of the vehicles you are sharing the road with. 

Apparently there is always something that kept my rates going up, they have NEVER dropped in my lifetime.  I guess unfortunately you have to switch companies every 5 or so years now, even if you have no tickets or accidents or drive less, as my vehicles age & become worthless on the market.     

[GailL1]

• You can drive less miles - most insurance companies will give a ratings discount if you drive lower miles.
• You could increase all of your deductibles - for collision and comprehensive.
• You could keep an adequate liability amount and then cover more under another type of insurance - Liability Umbrella 
• You could check to see if there are other discounts offered by the insurer and see if that would help all the way around - many insurance companies give a discount if they write different types of policies for you - like homeowners and auto or even more.
• Some insurers have some fluff benefits that I think cost money for them just having them - like a decreasing deductible, accident forgiveness, new car replacement, etc.  This AARP “benefit”(?) has a bunch of them - are they needed?       AARP Hartford Auto discounts

Yes, it probably is a good idea to shop around every few years.

[Tempest332]

Initially Hartford asked if I had a smart phone, I  told them no, they stated I could get a discount for having on & downloading an "app", I told them I should be getting a discount for not having on as they are the ultimate distraction & cause inattentiveness.

New car replacement, I have never has a new vehicle, my vehicles are now 8 & 22 years old, recently in this recession the cost of used vehicles has skyrocketed. 

You know if you do have an accident, your rates will increase.  I have never had my auto rates decrease EVER, though when my girlfriend had moved in with me in 2003, (she was 10 years younger), when she put me on her vehicles her rates dropped by $25/month. 

BTW  my Hartford Homeowners insurance also increased right along with the auto, welcome to seemingly endless inflation. 

[topspin43]

Gail... I am extremely insurance savvy. I was in Insurance Sales management.

I am EXTREMELY disappointed in The HARTFORD. That's what I'm here to say. I don't need advice on coverage. I thought I had a stand up, forever insurance company that knew how to manage risk. I was wrong.

[GailL1]

@topspin43 wrote

I thought I had a stand up, forever insurance company that knew how to manage risk

_________________________________

Isn’t that what they are doing - managing risk?

[SherryS133816]

No -- managing risk is not writing insurance on vehicles in flood prone areas or states that have tornadoes daily or are subject to hurricanes etc.  That's what is driving the increases more than purely auto accidents.   We are paying for poor underwriting decisions.  Currently the insurance industry is running out of states like FL, TX, the tornado belt through the south and midwest where property and vehicle damage are the highest due to changing climate conditions that are creating damage year round. 

[topspin43]

All this happened on one year??? I'm not 70. I don't buy anything that you have said. I think it's pure greed.

[GailL1]

Did you happen to lose a discount of sort from last year to this year? - what was the area where it rose the most cause that is a lot.

Where I live it is getting more crowded so the zip code has affected mine.  

[topspin43]

Did not lose any discounts. Just liability and collision increases. I'm not angry. Just disappointed... I though I had a great company insuraing me and support from AARP. No to both now.

[sktn77a]

Have you contacted Hartford to get an explanation?    

[SherryS133816]

LOL - explanation is "inflation" -- no -- it's trying to recoup money from the billions paid out for hurricanes, floods, tornados, hailstorms etc.   People think only of "property damage" during these events -- but they forget that cars, trucks, etc get smashed, overturned, flooded etc in these events too and that's what is driving the increase.  

Disgusting part is that AARP has not stepped up to the plate and pushed the Hartford on this issue even though they know that senior citizens who AARP supposedly represents are being hammered with these price increases.

I have all of the discounts the company gives, no tickets, no accidents EVER, long time insured etc., drive locally, and have one 2023 automobile -- my premium went up 44%.   That is literally robbery and it is affecting all of us. 

[topspin43]

yes... "rate increase"

[Tempest332]

Stock answer (always what I got from any company), general rate increase.