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Hartford Auto Insurance Ratings

Customer Satisfaction Ratings (based on 100 survey results)
ProductOverall
HOW WE WEIGH OUR SCORE
Claims ProcessingCustomer ServiceValue for PriceWebsite and Apps% Who Would Recommend to a Friend% Who Plan to RenewA.M. Best
Financial
Strength
Ratings
Effective as of:
WHAT IS THIS RATING?

A.M. Best's Financial Strength Rating is an independent opinion of an insurer's financial strength and ability to meet its ongoing insurance policy and contract obligations.

A.M. Best's rating is NOT used to calculate the overall score but it is important information to consider when choosing an insurance company.

Auto
84.47
out of 100
89.57
88.40
78.40
81.80
82%
92%
A+
October 31, 2019
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Reasons for Buying from Hartford

Customers of Hartford originally decided to purchase from the company for these reasons:
Offered best price44%
Recommended by friend or family member23%
Financial Strength rating7%
Saw online ad7%
I had other insurance with this company6%
Reputation6%
Saw TV commercial5%
The company website and mobile apps are easy to use and helpful1%
Was the company my parents had1%

How likely are you to recommend this company to a friend, coworker or family member?

I would definitely recommend this company. 45%
I probably would recommend this company. 37%
Neutral 16%
I probably would not recommend this company. 1%
I would not recommend this company. 1%

Would you renew?

Yes 92%
No 8%

Website and Apps

How easy to use and how helpful they are
36%Satisfied - Fulfills my needs okay.
32%Completely satisfied - Gives me what I want and more.
18%Neutral - No good or bad feelings on this.
11%Never visited or used website or mobile app.
3%Not Satisfied - Is not a good website or app.
0%Very unsatisfied - Their digital offerings are not good at all or nonexistent.

How You Prefer to Deal with Insurers

53%Phone
6%Email
25%Interactive website
1%Mobile App
15%In person
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About The Hartford

Types of auto coverage

  • Auto
  • Pay-as-you-drive plan - TrueLane
  • Motorcycle
  • Collectable cars
  • RV
  • ATV/Snowmobile
  • Boat
  • Golf cart

Additional policies offered

  • Homeowners
  • Renters
  • Condominium
  • Flood
  • Umbrella liability
  • Commercial

Best Auto Insurance Companies 2020: How Hartford Auto Insurance Compares

Hartford received an overall score of 84.47 putting it in ninth place. It scored in the top 10 for five of six categories, with a score of 88.4 earning it the No. 6 ranking for customer service. Hartford placed eighth for claims service (89.57) and tenth in value for price with a score of 78.4. Eighty-two percent said they would recommend Hartford auto insurance to others and 92% of customers surveyed said they would renew their auto policy with Hartford.

Gauging an insurance company

Before buying with a company it is wise to check on a company's financial strength and complaint record. The A.M. Best rating listed above gives you an idea of The Hartford's financial strength to pay claims. A complaint ratio can be found on the National Association of Insurance Commissioners (NAIC) site. The median complaint ratio from the NAIC is always 1.00. This means half of the insurers have a complaint ratio of under 1.00 and half have a ratio above. Basically, numbers lower than 1.00 are better with fewer complaints than the median and a number higher than 1.00 has more complaints than the median. For auto insurance, The Hartford (NAIC# 30104) had a complaint ratio of 1.42 for 2018. 2019 complaint numbers will be available in 2020.

Company Background

Two hundred years and beyond

The Hartford Financial Services Group, commonly known as The Hartford, began as a fire insurance company back in 1810, and in 1913, began to provide a number of insurance coverage options, including accident, automobile liability and property damage. The Hartford logo is a stag and serves as reminder what the company, which celebrated its 200th anniversary in 2010, stands for – strength and stability.

In 2016, the Fortune 100 company released its own smartphone app, joining the ranks of the largest auto insurance carriers and staying current when identifying and processing consumer needs and trends.


Consider The Hartford for AARP members

The Hartford is the contracted insurer for members of the American Association of Retired Persons (AARP), which means that members not only have access to discounted rates, but also a few key features that add to the value of membership. Policyholding members enjoy the following benefits:

12-month rate guarantee: Rates are guaranteed not to change for 12 months, which can be a benefit if you’re used to a company might raises rates every six months.

RecoverCare - This is designed to help AARP members who need some assistance when recovering from an accident. It provides a $2,500 benefit to pay for necessary aid up to six months after an accident.

Lifetime policy renewal – AARP advertises that a member’s auto policy will never be canceled, and while that’s a valid perk for most members, there are exceptions to every rule. Consistently paying late, losing a license, convicted of driving under the influence, deemed not able to drive by a doctor or living in a state requiring elderly drivers to re-test for licenses will not make you eligible for policy revocation.

Contact information

Corporate Headquarters

The Hartford Financial Services Group, Inc.
One Hartford Plaza
Hartford, CT 06155

Customer Service: 860-547-5000

Claims: 800-243-5860

Coverage Options

Lock in your rate Lock in your rate. Locks in your rate year after year, even if you have a claim.
Usage-based/Telematics Usage-based/Telematics. Rates can be based on your mileage and how you drive.
No drop promise/guaranteed renewal program No drop promise/guaranteed renewal program Your policy will be renewed even if you have accidents and traffic violations.
New car replacement New car replacement. If you total your car the insurer will pay for a new car.
Mobile app Mobile app. The insurer offers an app for smartphones.
Vanishing deductible Vanishing deductible. Your deductible will be reduced as long as you have no accidents or moving violations.
Accident forgiveness Accident forgiveness. Your rates won't increase after your first accident.
Offers 12-month policies Offers 12-month policies. Your policy term can be one year before the next renewal.
Waiver of deductible for not at-fault accident Waiver of deductible for not at-fault accident. You won't have to pay your collision deductible if an accident wasn't your fault.

Discounts

Driver training/Defensive driving Driver training/Defensive driving. Discount for an approved defensive driving or driver improvement class.
Passive -restraint (air bag) Passive -restraint (air bag). Discount for factory-installed safety devices such as an air bag.
Multi-policy Multi-policy. Discount for more than one type of policy with the same insurance provider.
Academic achievement Academic achievement. Discount for full-time students who meet certain academic criteria.
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