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Last updated on June 9, 2015

The Hartford Review

The Hartford auto insurance has emerged as one of the best due to an impressive level of support, ease of policy purchase, and industry-leading claims process. The Hartford auto insurance is great for most drivers, but especially beneficial to members of AARP.

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The Good

Ease of New Policy Purchase

The Hartford boasts an impressive suite of online tools to assist new customers in shopping for and beginning a new auto insurance policy. The company makes it very simple to get an instant online quote and even offers a tool to help you select the right levels of coverage for your situation. After customizing your levels of coverage and receiving your instant quote, customers can purchase a policy online and print insurance cards instantly. Many competitors offer similar tools, but The Hartford auto insurance stands out by offering every one of these important features.

Diverse Policy Offerings

Policy offerings are a critical element of evaluating an insurance company and thanks to its broad list of coverages and policy types, The Hartford auto insurance is an industry leader. The company offers standard bodily injury and property liability coverages as well as non-owned or rental car insurance. In states where it is allowed, The Hartford also offers a number of options to stack liability and uninsured motorist coverage.

Excellent Claims Management

No one looks forward to filing an insurance claim, but if the need arises, convenience can make an enormous difference. The Hartford auto insurance has created an excellent claims process that allows customers to file 24/7 by phone, agent, online, or via a mobile app. Unlike some competitors, the company does not impose restrictions on where you can have your vehicle fixed and it has a resource for repair facility recommendations. Once a claim has been filed, it can be easily tracked online, through the mobile app, or by calling the claims center at any time.

Rock-Solid Support

The Hartford is regarded by many as a company that cares about its customers and that reputation is well-earned. The company has robust support features available, ranging from traditional telephone support to more modern email and social media options. It’s also one of only a handful of auto insurance companies to offer real-time online chat to customers navigating the quote process.

Useful Policy Benefits

In addition to The Hartford’s broad range of standard coverages, customers may also elect to receive a wide range of additional features. Frequent travelers will appreciate the company’s roadside assistance and towing programs. Other accident-related benefits include rental car or public transportation reimbursement and dedicated medical payment coverage. If you’re seriously injured and unable to meet basic obligations, the company will even cover assistance with shopping, gardening and certain home maintenance.

The Bad

Minimal Learning Materials

The Hartford falls well behind competing companies with its very limited online learning resources. Despite the company’s excellent customer support features, it offers very little to new buyers wanting to learn more about the insurance process. FAQs and a limited selection of video tutorials outlining insurance types can be found on The Hartford’s website and those materials are somewhat helpful. However, many other companies offer knowledge bases and glossaries that can assist customers in better understanding the various terms and decision factors that pertain to the insurance-buying process. The Hartford auto insurance misses the boat in this category and, in doing so, probably loses the interest of first-time or inexperienced auto insurance buyers.

The Details

Financial Strength

  • A.M. Best FSR Rating: A
  • A.M. Best ICR Rating: a+
  • Moody's Rating: A2
  • Standard & Poor's Rating: A