Advertisements
While shopping for auto insurance over the years, one provider consistently stood out above the rest in reviews and testimonials – AARP. As someone newly eligible for AARP membership benefits at age 50, doing thorough research made partnering with them seem like a no-brainer move.
In this in-depth post, I’ll explore the full program AARP offers and why so many trusted them with their protection needs. By the end, you’ll understand why securing coverage through this reputable company secures fantastic value and ultimate peace of mind on the road.
Discounts Beyond Imagination
Right off the bat, what attracted me most to AARP was the level of savings potential they offer eligible drivers. With a membership base of over 38 million, huge discounts arise from their buying power and risk pool size.
Initial rates provided a shockingly affordable indication versus other top insurers. But costs could decrease further thanks to applicable discounts like:
Multi-Policy (5%): Bundling auto with homeowners provides an automatic discount.
Advertisements
Defensive Driving Course (up to 10%): Completing an approved safe driving program slashes rates.
Paperless Billing (5%): Going digital rather than paper statements earns ongoing savings.
Loyalty (5% after 5 years): Rewarding long-term customers pays off handsomely over time.
I was thrilled to discover the potential for surpassing 20% savings off base premiums – unheard of in most cases. Lower costs meant proper protection at an unbeatable price.
Comprehensive Coverage Options
Beyond savings, AARP constructs auto policies with robust available coverages like:
Bodily Injury and Property Damage Liability: Covers legal liabilities in the event of an at-fault accident hurting others or damaging property. Limits range up to $500K per accident.
Collision Deductible Options: Reimburses repairs to your own vehicle after an accident regardless of fault with choices from $250-$1,000 deductible amounts.
Comprehensive: Pays for damages from events like falling objects, animal collisions, and theft/vandalism with flexible coverage levels and deductibles.
Personal Injury Protection: Offsets medical expenses, lost wages and death benefits up to $10K for policyholders and relatives in an accident.
Uninsured and Underinsured Motorist: Fills coverage gaps when another driver either lacks insurance completely or has inadequate limits.
Going beyond state minimums, these robust selections provided peace of mind for almost any roadway scenario without excess premium outlay. Customizable limits suited to budgets too.
Plus I appreciated optional endorsements expanding upon standard coverage bases – things like rental reimbursement, gap insurance, and mechanical breakdown protection. More coverage became available for every need.
Superior Service Standards
While price and protection grabbed initial attention, the legendary service standards AARP commits to sealed the deal. As a new customer, areas impressing me include:
24/7 Claims Hotline: Dedicated claims agents are available anytime day/night to ensure prompt attention for reported incidents.
Online Self-Service: User-friendly web portals offered real-time rate quotes, account management, documents, and more at my fingertips.
Local Agency Network: Over 18,000 affiliated agents nationwide meant access to expertise wherever location. Face-to-face meetings became possible too.
Streamlined Claims Process: An industry-leading average of only 2 days for payment after filing and low denial rates inspired confidence.
I valued choices for contacting friendly representatives either virtually or in person as needed. Plus AARP’s long-tenured average of over 20 years told me loyalty would endure difficult times.
Commitment to Community
Beyond financial components, I admired AARP’s noble focus on social responsibility programs. For example:
- Volunteer driving networks assisting seniors with transportation needs.
- Online safety resources and printed guides spreading defensive driving skills.
- Disaster relief donations assist in rebuilding after events like hurricanes.
- Legislative advocacy for issues concerning aging road users.
Knowing my premiums supported worthy endeavors adding value across communities felt rewarding. AARP leads as citizens with compassion beyond bottom lines.
My Coverage Experience So Far
For optimal protection matching budgets, my AARP policy provides:
Bodily Injury Liability: $100K/$300K
Property Damage Liability: $100K
Medical Payments: $5K
Comprehensive Deductible: $500
Collision Deductible: $1,000
With three registered vehicles and an impeccable driving history, my six-month premium came to $675 including all available discounts. Beyond satisfactory protection at market-low prices, filing a small fender bender claim saw less than 48 hours to reimbursement – overcoming issues could not have gone smoother.
Overall, new and renewing customers gain an invaluable partner through AARP Auto Insurance. Deep savings, comprehensive coverage selections and platinum service standards provide total confidence and value on the road. They’ve definitely earned my constant loyalty and highest recommendation.
Advertisements
