About The Hartford
The Hartford is a publicly traded company. It offers property and casualty insurance, group benefits, and mutual funds. Founded in 1810, The Hartford has more than 200 years of institutional history. The Hartford is a Fortune 500 company. It has around 17,000 employees and $18 billion in revenue annually. The Hartford has insured both Abraham Lincoln and Babe Ruth. The Hartford also partnered with AARP to offer a special auto insurance program to AARP members 50 years of age or older.
What Does The Hartford Offer?
The Hartford offers a range of coverage options. These include the following.
The Hartford also offers the following special benefits to their policyholders.
For those who would like to purchase additional coverage benefits, customers of The Hartford may add the Advantage PLUS Program to their policy. This adds the following features to your car insurance.
Finally, there are a number of discounts offered by The Hartford to reduce the cost of your car insurance premiums.
The Hartford was ranked sixth overall in customer claims satisfaction in the J.D. Power 2017 U.S. Auto Claims Satisfaction Study. The Auto Claims Satisfaction Study is based on surveys of 11,857 car insurance customers who had claims in the six months prior to completing the survey. The Hartford’s ranking included the following factors.
The Hartford was ranked fourth in the J.D. Power 2017 Insurance Shopping Study, which ranks auto insurers’ ability to provide a satisfying purchase experience. The Insurance Shopping Study results are based on the opinions of over 16,400 shoppers who requested car insurance quotes from at least one competitive insurer in the past nine months and include more than 50,000 unique customer evaluations of insurers. The Hartford’s ranking included the following factors.
Claims can be filed to The Hartford either by phone or online. The Hartford offers a 24/7 claims hotline. Thus, you are able to start the claims process no matter what time an accident occurs.
Once you have filed a claim, a claims representative will be assigned to your case. The representative will document the details of what happened. They will also ask that you describe injuries and damage and provide them with the contact information of any witnesses.
As you wait for the claim to be settled, you can either track the claim online or contact your claims representative by phone.
The Hartford has been providing insurance policies for more than 200 years and has a strong institutional standard of excellence. The organization paid all of its claims after the Chicago fire of 1871, the San Francisco earthquake of 1906, and the terrorist attacks of September 11, 2001. The September 11th attacks alone resulted in $850 million in claims. The Hartford has insured some of the most ambitious construction projects in history, including the Golden Gate Bridge and the Hoover Dam.
A.M. Best, one of the leading insurance rating agencies in the United States, gave The Hartford Financial Services Group, Inc. an A- long-term credit rating and a “stable” outlook rating. The Hartford has been rated as one of Ethisphere’s World’s Most Ethical Companies nine times.
Value for Price
The Hartford’s car insurance customers seem content with the pricing offered for their policies, having rated it four out of five stars on J.D. Power’s 2017 Insurance Shopping Study.
The Hartford offers a number of savings opportunities to customers insuring their vehicles with the company, including discounts for bundling home and car insurance, paying premiums in full, driving a car with anti-theft devices and automatic airbags, taking driver training courses, driving fuel-efficient vehicles, and maintaining good grades. It is also noteworthy that The Hartford guarantees no premium increases for 12 months after a policy begins and that the organization offers lifetime renewability.
Who is this best for?
Although The Hartford offers car insurance to people of all ages, their partnership with AARP makes their policies particularly suited to people who are 50 years old or older. The organization’s auto insurance options will likely prove attractive to seniors who are interested in some of The Hartford’s more unique policy benefits, such as RecoverCare, 12-month rate protection, lifetime renewability, and lifetime car repair assurance.
Drivers with clean records are a particularly good fit since The Hartford incentivizes safe driving through benefits such as first accident forgiveness, disappearing deductibles, and deductible waivers for not-at-fault accidents.
What to look out for
Although The Hartford offers 12-month rate protection, some customers have expressed that their rates were increased once the 12-month period expired. The Hartford has a somewhat disappointing rating of 2.4 out of five stars based on 143 reviews.
The Hartford has excellent J.D. Power ratings for both customer claim satisfaction and purchase experience. The organization is partnered with AARP to offer special coverage to those 50 years of age or older. It offers stackable discounts that a wide range of people are likely to qualify for. The Hartford includes several unique policy benefits in their standard coverage. They offer even more uncommon features if you sign up for the Advantage PLUS Program. All of this plus a 200-year legacy of consistent performance means it is almost certainly worth your time to request a quote from The Hartford.