AARP Company Review

If you are 50 or older, you can join the American Association of Retired People, or AARP. AARP has many different discounts for its members, and it also offers auto insurance. AARP automobile insurance offers some unique benefits to its customers, but it may not be the least expensive car insurance option. If you shop around, you can find out which insurance company is priced the best. Even if it is not AARP, you may discover that the additional benefits might be worth a small additional cost.

AARP Auto's Unique Benefits

AARP automobile insurance is managed by The Hartford, and is offered to its members. It is not your typical car insurance provider. AARP auto insurance has benefits that are not found in a normal insurance policy.

• Lifetime Renewability - AARP will not cancel your auto insurance, no matter how old you get. As long as you and all the other people that drive your car maintain a valid driver's license, continue to stay capable of driving, don't get a conviction for driving while intoxicated, and pay your bills on time, you will continue to have your insurance renewed.
• AARP Protects Your Rate for 12 Months - Most car companies will give you a rate that can change every six months. AARP will let you keep the same rate for 12 months.
• AARP Will Replace Your Car - If you buy a new car and your car is totaled within 15 months or 15,000 miles after purchasing your car, AARP will replace your car. You don't have to worry about purchasing GAP insurance or being upside down in your car.

AARP's Advantage PLUS Program

AARP offers an extra program that offers a little bit more protection, called Advantage PLUS. There are several reasons why you might want to pick this program. With Advantage PLUS, you will have accident forgiveness after your first accident. If you don't have any accidents or tickets for several years, your deductible will start to go down, until eventually you have no deductible. If you have an accident and get your car repaired at one of their approved facilities, you will have $100 of your deductible waived. Also, if you get into an accident that is not your fault, AARP will waive your deductible entirely.

AARP Might Not be the Cheapest

With all these benefits, you might think that AARP would be the best choice for car insurance. These unique benefits might be worth paying a little more for. Consumer Reports recently compared quotes with several different insurance companies, including AARP. They compared rates for four different individuals. In three out of four cases, AARP was not the least expensive option. Price is not the only measure to use when you decide whether you go with a particular insurance company or not, but it does play a part. The only way to find out whether AARP automobile insurance is priced right for you is to get a free quote. Automobile.com can get you quotes for not only AARP insurance, but for several other companies as well.