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Get so much more than exceptional auto insurance coverage at great rates. Get the peace of mind that comes from knowing an accident or repair won’t disrupt your busy life.
FEATURES AND BENEFITS
Why get auto insurance from The Hartford? Because it’s more than a car. It’s part of your way of life. That’s why our comprehensive insurance package of benefits and services makes all the difference.
Not all features and benefits are available in all states.
RecoverCare
Even when you’re injured in a car accident, the rest of life doesn’t stop. That’s why with our auto insurance coverage, we help pay for you to get assistance with cooking, cleaning, shopping, transportation and even yard work if you need it.Lifetime Car Repair Guarantee
Get service you can rely on. If you use one of the more than 1,400 certified auto repair shops in our Hartford-approved network, we guarantee the workmanship on covered repairs for as long as you own or lease your vehicle.No-Drop Promise
You’ve got a lot going on. The last thing you need to worry about is losing your car insurance. With The Hartford, once you become an auto insurance policyholder, you’re assured continued coverage as long as you're able to drive and meet a few simple requirements.†24/7 Insurance Claim Hotline
Car accidents and breakdowns don’t just happen during business hours. Our auto insurance claim experts are available for you anytime, day and night, to escalate your problem and get you back on the road.New Car Replacement
If you experience a total loss of a new car within the first 15 months or 15,000 miles after you purchased it, we'll pay the replacement cost of a new vehicle—the same make, model and equipment—with no deduction for depreciation.Auto Insurance Upgrade Features
In addition to all the standard features we provide, you can get a car insurance quote with our Advantage Plus package that offers these additional benefits:First Accident Forgiveness
We believe in forgiveness. If you qualify for this benefit and you have a car accident, it won't count against you, and your insurance rates won't go up because of it.††Disappearing Deductible
Good driving should be rewarded. Maintain a clean driving record, and we'll reduce your insurance collision deductible by $150. We'll continue to reduce the deductible by $50 each year you keep your good driving record—until it reaches $0.†††Waiver of Deductible for a Not At Fault Accident
If a car accident is not your fault, then why should you have to pay your insurance deductible? In most cases, we'll pay the full amount of covered damages and the deductible too.$100 Deductible Waiver for Choosing to Use an Approved Repair Shop
Take your car to one of our authorized auto repair shops and we'll waive $100 of your insurance deductible. Plus, you'll receive a guarantee on the workmanship of claim repairs. ($100 waiver not available in AZ.)
Note: Depending on your state, not all features and benefits will be included in your car insurance quoteCOVERAGE BASICS
Auto Insurance Coverage
Here at the Hartford, making sure you’re covered is about more than just repairing or replacing your car. It’s about making sure that nothing gets between you and your regularly-scheduled life. Here are the kinds of car insurance coverage we offer, how they protect you, where they apply, and our recommended limits.
Not all coverages are available in all states.
Bodily Injury Protection
Bodily Injury Protection protects you against financial loss when you are held legally responsible for an automobile accident causing injury or death to someone else. This auto insurance coverage also includes the legal costs involved in your defense for a covered suit as well as court costs and bail bond expenses.
The auto insurance coverage amount is a "Split Limit," such as $100,000/$300,000. The first figure is the maximum limit provided for one injured person. The second figure is the limit provided for two or more persons in any one accident or occurrence.
Determining Your Limits
Liability protects you if you are at fault in an accident. If your car insurance coverage doesn’t carry enough liability, you could be sued for your personal assets: your home, savings, investments, or income. When you’re determining how much car insurance coverage is appropriate for you, it’s important to consider all the assets you want to protect.
Property Damage Liability
Property Damage Liability covers you against financial loss if you are found liable for damage to other people’s property (e.g. light poles, fences, another vehicle, etc.) caused by your auto.
Determining Your Limits
Liability protects you if you are at fault in an accident. If your car insurance coverage doesn’t carry enough liability, you could be sued for your personal assets: your home, savings, investments, or income. When you’re determining how much car insurance coverage is appropriate for you, it’s important to consider all the assets you want to protect.
Uninsured Motorist Bodily Injury
This auto insurance coverage pays bodily injury or death expenses for you and any passengers in your vehicle up to your policy limits if you're struck by a driver who doesn’t have insurance, or if you’re struck by a “hit-and-run” driver that you cannot identify.
Determining Your Limits
Generally, your Uninsured Motorist coverage should be equal to your Bodily Injury Liability, so that you provide the same level of coverage for yourself—if you’re injured—as you would for others.
Uninsured Motorist Property Damage
This car insurance coverage pays for damage to your vehicle when it is struck by an uninsured driver, a hit-and-run driver, or an insured driver whose Property Damage Liability limit is inadequate to cover the property damage losses incurred.
Determining Your Limits
Consider a limit of liability that will be sufficient to cover your vehicle and/or its contents in the event that you are in an accident with a hit-and-run driver, a driver with no auto insurance coverage, or a driver who has some coverage, but not enough to cover the damage to your vehicle.
Underinsured Motorists
This car insurance coverage pays benefits for the bodily injury or death of you and any passengers in your car if you are involved in an accident caused by a driver who has some insurance, but not enough to cover the losses that result from the accident.
Determining Your Limits
Generally, your Underinsured Motorist coverage should be equal to your Bodily Injury Liability, so that you provide the same level of coverage for yourself—if you’re injured—as you would for others.
Personal Injury Protection (No-Fault)
This auto insurance coverage pays benefits for the cost of personal injuries resulting from an automobile accident. Coverage applies without regard to who was at fault in the accident. It applies only to injuries, and does not cover damage to a car, or to any other property. Coverage is provided on a per-person, per-occurrence basis.
Medical Payments
This auto insurance coverage pays reasonable and necessary medical expenses, up to the selected limits, directly resulting from an auto accident. This may include medical care, recovery, rehabilitation and remedial care, as outlined in your policy. Coverage varies by state.
Collision
Collision coverage pays for damage to your covered vehicle (up to its actual cash value), less the deductible amount, for losses caused by collision. Collision means contact with a physical object, such as another vehicle or a structure.
If you plan to purchase Collision coverage, selecting a higher deductible generally helps to reduce the cost of your insurance.
This car insurance coverage is available only if you carry Comprehensive coverage.
Determining Your Limits
Recommended for vehicles 7 years old and newer with a deductible that is financially comfortable for you. Keep in mind you may be able to lower the cost of your coverage by choosing a higher deductible.
Comprehensive
Comprehensive coverage pays for damage to your covered vehicle (up to actual cash value), less the deductible amount, as a result of damage caused by events such as fire, theft, glass breakage, riot, windstorm and hail.
If you plan to purchase Comprehensive auto insurance coverage, selecting a higher deductible generally helps to reduce the cost of your insurance.
Comprehensive is often required when your car is financed or leased.
Determining Your Limits
Recommended for vehicles 10 years old and newer with a deductible that is financially comfortable for you. Keep in mind you may be able to lower the cost of your auto insurance coverage by choosing a higher deductible.
Full Glass
This car insurance coverage pays the amount of a covered glass loss with no deductible. This full glass coverage is optional and can be purchased for an additional premium.
Towing & Labor
This car insurance coverage pays up to the selected limit for towing of your covered vehicle when it is inoperable, whether or not there is an accident involved. (Note: You must also select Comprehensive coverage to obtain this coverage.)
Rental Reimbursement
If your car becomes inoperable due to a covered loss and you need to rent a substitute, this auto insurance coverage pays the cost of the rental car up to your policy limits.
This coverage is available only if you carry Comprehensive and Collision coverage.
Affordable Car Insurance
It’s in our best interest to have your best interest at heart. That’s why we’ve come up with a variety of credits and discounts that can make your policy even more affordable. After all, the more you save on high-quality affordable auto insurance, the more you have left over for the other important things in life.
Availability to each of these credits or auto insurance discounts may vary by state or policy plan.
Defensive Driver Credit
If you've completed an approved defensive driver course, you're eligible for an auto insurance discount from us for the next three full years. Just send us a copy of your certificate, and we’ll apply the credit.Home/Auto insurance Bundle
Bundling your insurance coverage just might save you a bundle. If you have homeowners' insurance and auto insurance with The Hartford, you can see significant savings for both.Driver Training Credit
Receive a credit on your premium for drivers under 21 years old who successfully complete an approved training course.
(In Georgia this discount applies to drivers under 25 years old.)Good Student Driver Credit
Get a credit for full-time student under the age of 25 who owns or operates a vehicle insured by The Hartford and qualifies as a good student.†Air Bags Discount
We care about your safety. That’s why our auto insurance has a discount for cars with automatic air bags. If your car is equipped with more than one air bag, you save even more.Anti-Theft Device Discount
We reward you for making your car harder to steal. If you have active or passive anti-theft devices on your car, it can save you money on your Comprehensive coverage.ONLINE TOOLS
Online Tools
Interactive Car Insurance Coverage Guide
The Hartford’s Interactive Car Insurance Coverage Guide can help you determine the right insurance coverage for your individual needs in minutes.
Auto Repair Shop Finder
When you choose a shop within our repair network, we guarantee the workmanship on covered repairs for as long as you own or lease your vehicle. And because we work directly with the repair shop on estimates and payments, the process is easier for you.
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