Auto insurance providers are in the habit of giving discounts to customers that meet certain criteria, such as safe drivers, those with anti-theft devices, and those of a particular age.  There are usually good reasons for this; safe drivers are less likely to have a claim filed against them, and so on.  Older drivers can get an increased discount with AARP auto insurance, and have many benefits added onto their policy as well.  You may be wondering about what those benefits are and if you need to be a member to qualify for AARP auto insurance rates and discounts.

Added Benefits with AARP Auto Insurance

Some of the added benefits you may receive with AARP auto insurance include:

First Accident Forgiveness.  This means that your policy would not increase with your first accident that would normally have caused a premium increase; this is provided that there have been no accidents or major violations in the past five years.

Reduced Deductible.  If you keep yourself free of tickets or accidents, your collision deductible will be reduced by $150; they continue to reduce the deductible by $50 each year until the deductible amount actually reaches $0.  This means no increase in the premium as the deductible decreases.

AARP auto insurance also includes a waiver of your deductible if you're involved in an accident that isn't your fault, and a $100 waiver of your deductible if you use an approved repair shop.

Common Questions about AARP Auto Insurance

Yes, you do need to be a member of AARP in order to receive their specialized policy.  There are many advantages to being a member of AARP and reduced auto insurance is just one of them, so it may be worth your while to investigate this option.  Also, AARP auto insurance is not actually offered by AARP as they are not an insurance company but is offered through the Hartford Insurance Company to AARP members.

This policy is also for a 12-month term, meaning that your rates are locked in for a full year and not just six months as with other policies.  Also, you are guaranteed renewal of your policy as long as you maintain your payments and are able to drive.  There are of course a few other minor restrictions but for the most part you will continue to have your policy without interruption.

Other Ways to Save With AARP Auto Insurance

Being of a particular age is not the only way you can save with AARP auto insurance.  They also offer a multi-car discount, a defensive driver credit, a good student discount, a defensive driver credit (if you complete their course satisfactorily), and discounts for air bags and anti-theft systems.

Those who are of a particular age have earned some respect and deserve every credit and discount they can get.  If this is you, then you should consider taking advantage of the discounts and additional benefits you may be eligible for with AARP auto insurance.