Overview of The Hartford Car Insurance
The Hartford has been in business for more than two centuries. In that time, it has garnered a reputation as a solid, conservative insurance company. In recent years it has racked up an impressive array of honors and awards in areas like ethics, climate leadership and workplace diversity. In keeping with its mature nature, the Hartford partners with the AARP for home and auto insurance, and more than three-quarters of its property and casualty insurance business comes from this partnership. It is the eleventh largest auto insurer in the US, with a market share of almost 1.3 percent.
How Does The Hartford Auto Insurance Rate?
Consumer Satisfaction Rating
These ratings are from the J.D. Power 2016 U.S. Auto Insurance Claims Satisfaction Study. The highest score for each category is five stars. The Hartford Insurance Company subsidiary rated here may not be the subsidiary that underwrites your insurance policy. Check with your insurance agent for more information.
Customer Complaint Ratio
The National Association of Insurance Commissioners (NAIC) collects complaint information from state insurance regulators. The national median complaint ratio is 1. A score of less than 1 means a company has a lower than average number of complaints, while a score higher than 1 means it has more than average. The Hartford Insurance Company subsidiary rated here may not be the subsidiary that underwrites your insurance policy. Check with your insurance agent for more information.
Last Updated: July 2017
Financial Strength Rating
A Best’s Financial Strength Rating opinion addresses the relative ability of an insurer to meet its ongoing insurance obligations. It is not a warranty of a company’s financial strength and ability to meet its obligations to policyholders. View our Important Notice: Best’s Credit Ratings for a disclaimer notice and complete details at http://www.ambest.com/ratings/notice.
Financial Strength is rated on a scale of D (poor) to A+ (superior). A rating notch of either a second “+” or a “-“ indicates the gradation of financial strength within the category. We can’t guarantee that the subsidiary of The Hartford Insurance rated here is the subsidiary that will underwrite your insurance policy. Check with your insurance agent and review A.M. Best’s Financial Strength Rating Guide for more information.
Best’s Credit Ratings™ are under continuous review and subject to change and/or affirmation. For the latest Best’s Credit Ratings™ and Best’s Credit Reports which include Best’s Credit Ratings™), visit the A.M. Best website at http://www.ambest.com. See Guide to Best’s Credit Ratings™ for explanation of use and charges.
Best’s Credit Ratings™ reproduced herein appear under license from A.M. Best and do not constitute, either expressly or impliedly, an endorsement of MoneyGeek.com or its recommendations, formulas, criteria or comparisons to any other ratings, rating scales or rating organizations which are published or referenced herein. A.M. Best is not responsible for transcription errors made in presenting Best’s Credit Ratings™. Best’s Credit Ratings™ are proprietary and may not be reproduced or distributed without the express written permission of A.M. Best Company.
Source A.M. Best
Effective Date: July 2017
Pros and Cons of The Hartford Car Insurance
- The Hartford was the award recipient in the 2016 J.D. Power U.S. Auto Insurance Claims Satisfaction Study.
- The Hartford’s website is clean and simple and strives to provide a quote in under 8 minutes.
- A coverage advisor tool gives basic information to help ensure you choose the right level of coverage for your situation.
- The company offers a nice selection of extra services, and gets top ratings for customer satisfaction in California and the Southwest.
- If you have more than four vehicles or more than five drivers on your policy, the online quote tool will not be able to complete your quote.
- The online quote tool can be very sensitive and if you need to change data it may freeze up and make you call to speak with an agent.
- The Hartford is so intertwined with AARP it is sometimes hard to tell if policy features are for the general public or if you have to be a member of the organization to qualify.
- With an NAIC customer complaint ratio of 2.82, The Hartford comes in quite a bit higher than the median score of 1, meaning it has more than the median customer complaints.
The Hartford Car Insurance Coverage
With a target demographic of mature policyholders, The Hartford’s clients usually have at least some experience with auto insurance. The website is informative, but also works on the assumption that you are experienced enough to choose your own coverage levels from a large selection of options. Some special policy features require membership in AARP, so be sure to check with an agent to find out if you are eligible.
The standard coverage options are presented with default amounts based on the data that you enter. You can choose a basic coverage or standard coverage package, or easily customize the policy elements to suit your needs.
This starts at the state minimums, but then offers a wide selection of choices, all the way up to $500,000/$1,000,000.
Policyholders at the Hartford can also choose from several levels of coverage for property damage liability, up to $250,000.
If purchased, you can select coverage for $1,000, $5,000, or $10,000, or in increments of $25,000 up to a cap or $100,000.
The online quoting tool will only show you the levels of coverage available based upon the level of bodily injury coverage you have chosen.
The wide range of deductibles offered for the comprehensive coverage allows you to pick exactly what you want, including options for a $0 deductible or no comp coverage at all.
The collision coverage deductible is available in eight different levels, from $50 up to $1000, if you choose to purchase it.
The Hartford doesn’t get fancy with a lot of optional coverage. Instead, they offer the normal extras that one would expect from any well-established auto insurance company.
This extra coverage for your windshield and windows means that the insurance will pay the full cost of a covered glass loss with no deductible required. Availability varies from state to state.
Both comp and collision coverage is required to purchase this rental reimbursement coverage. The Hartford allows you to choose your own daily limit from among a range of options.
With the towing coverage, you are covered up to the limits you select, and will need to pay out of pocket for parts, or labor costs that exceed your policy limits. You have to have comprehensive coverage to get the towing coverage.
Not available in some states, mandatory in others, this is also known as personal injury protection insurance. It covers medical expenses, work loss, funeral expenses and more following an accident, no matter who caused it.
If your insured vehicle is brand new and gets totaled within the first 15 months or 15,000 miles, The Hartford will replace it without factoring in depreciation.
Available in some states, The Hartford’s Advantage PLUS package adds additional features to your policy, such as first accident forgiveness, disappearing deductible, one deductible, waiver of deductible and $100 deductible.
Available Discounts on The Hartford Car Insurance
There is a nice selection of discounts available to policyholders with The Hartford, allowing you to rack up significant savings without too much effort.
|Type of Discount||Description|
|Bundle insurance savings||Bundle auto insurance with a home, condo or renters policy from The Hartford and you’ll save up to five percent on the auto policy and up to 20 percent on the property policy.|
|Anti-theft device discount||If you have an alarm or active/passive disabling on your car, you can save on the comprehensive portion of your premium.|
|Air bags discount||The better your air bag equipment, the more money you will save.|
|Defensive driver course||Provide proof of having completed a defensive driving course and The Hartford will apply a discount to your policy for the three years.|
|Vehicle fuel type discount||If your vehicle is a hybrid or an electric vehicle, you are eligible for this discount.|
|Driver training discount||Beginner drivers will see a savings if they have completed a driver’s education course.|
|Good student discount||A full-time student in high school, college or university, or at a vocational school, with good grades as defined by your policy, will get a discount.|
|Driver away at school||Another savings for students is applied if they attend a school more than 100 miles from home and don’t have a car with them.|
|Home ownership discount||If you own your home, you can get a discount on your auto insurance, even if you don’t insure that home with The Hartford.|
|AARP member discount||This discount is one of the driving factors behind The Hartford’s auto quoting process.|
How to Make a Car Insurance Claim with The Hartford
Reporting an auto insurance claim with The Hartford can be done online or by phone, 24 hours a day. Once you’ve provided the initial information, a claim representative is assigned to collect additional details and keep you informed as to the status of your claim. You can also check online to see what is happening with your claim.
How to Contact The Hartford Car Insurance
Customer Service Phone Number 877-896-9320
Claim Phone Number 800-243-5860