UPDATED: Sep 5, 2020
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We partner with top insurance providers. This doesn’t influence our content. Our opinions are our own.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
AutoinsuranceEZ.com Rating:The Hartford is an old and well-established Fortune 500 company which specializes in insurance products for nearly every walk of life. The company has been incorporated since the early 1800s, which makes The Hartford over two centuries old. Back in the 1980s, they teamed up with AARP (American Association of Retired Persons) to offer special discounts on home and auto insurance policies to senior citizens. Since 2008, they have earned an annual spot on the “World’s Most Ethical Companies” list.
Hartford Insurance Review
As far as financial strength goes, credit ratings agency AM Best rated the Hartford A+ (Superior). However, there appears to be some issues with their customer service. Both the Consumer Affairs website and the BBB have negative reviews from customers who purchased Hartford auto insurance. The biggest problems seemed to center around the company’s ability to communicate specific information to their clients in a timely manner.
|AM Best (2016)||A+|
|JD Power & Associates Rating||4 out of 5 (Better than Most)|
|Complaint Ratio per Vehicle – the Hartford (NJ, 2012)||1 / 18,598|
|Complaint Ratio per Vehicle – the Hartford (CA, 2011)||2 / 254,417 (Above Average)|
|Better Business Bureau (2016)||No Rating|
|Consumer Affairs (2016)||2/5 Stars|
Hartford Insurance Discounts
Most consumers will naturally flock toward a company which promises to save them money by offering discounts. And The Hartford is one of many insurance companies putting this practice to use in order to attract business. The chart below outlines what you might be able to save with a Hartford auto policy:
|Discount Type||Maximum Possible Discount*|
|Airbag Installation||10 – 20%|
|Anti-Theft Devices||5 – 15%|
|Anti-Lock Braking System||5%|
|Multi-Policy Credit||5% off auto, 20% off home/condo/renter’s insurance|
|Persistency Credit||2 – 8%|
(*TheHartford.com 2016 and the California Department of Insurance 2013 Automobile Premium Survey)
Hartford Auto Insurance Options
Like every other insurance company, The Hartford is required by law to offer you as much coverage as you need in order to drive legally within your state. And, like many other companies, they also offer additional forms of coverage which you can purchase to meet your needs:
- Medical Payments
- Bodily Injury Liability
- Property Damage Liability
- Uninsured/Underinsured Motorist Bodily Injury
- Uninsured/Underinsured Motorist Property Damage
- PIP/No-Fault Insurance
- Glass Coverage
- Towing Coverage
- Rental Car Expense
- Personal Umbrella Insurance
Comparing Hartford Insurance Quotes
When it comes to your monthly premiums, a single man living alone in his own apartment isn’t going to pay the same monthly premium as a soccer mom on a family policy with two SUVs. Different drivers are going to get charged different rates based on their risk profile. In the chart below, you can see how The Hartford’s rates compare both among different risk pools, and among other companies.