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We are an independent, advertising-supported comparison service. Our goal is to help you make smarter financial decisions by providing you with interactive tools and financial calculators, publishing original and objective content, by enabling you to conduct research and compare information for free - so that you can make financial decisions with confidence.
Bankrate has partnerships with issuers including, but not limited to, American Express, Bank of America, Capital One, Chase, Citi and Discover. How We Make Money
The offers that appear on this site are from companies that compensate us. This compensation may impact how and where products appear on this site, including, for example, the order in which they may appear within the listing categories. But this compensation does not influence the information we publish, or the reviews that you see on this site. We do not include the universe of companies or financial offers that may be available to you. SHARE: Radius Images/Getty Images December 30, 2021 Cate Deventer is a writer, editor and insurance professional with over a decade of experience in the insurance industry as a licensed insurance agent. Bankrate logo The Bankrate promise
At Bankrate, we strive to help you make smarter financial decisions. To help readers understand how insurance affects their finances, we have licensed insurance professionals on staff who have spent a combined 47 years in the auto, home and life insurance industries. While we adhere to strict editorial integrity, this post may contain references to products from our partners. Here's an explanation of how we make money. Our content is backed by LLC, a licensed entity (NPN: 19966249). For more information, please see our Insurance Disclosure. Bankrate logo The Bankrate promise
Founded in 1976, Bankrate has a long track record of helping people make smart financial choices. We’ve maintained this reputation for over four decades by demystifying the financial decision-making process and giving people confidence in which actions to take next. Bankrate follows a strict , so you can trust that we’re putting your interests first. All of our content is authored by and edited by , who ensure everything we publish is objective, accurate and trustworthy. Our insurance team is composed of agents, data analysts, and customers like you. They focus on the points consumers care about most — price, customer service, policy features and savings opportunities — so you can feel confident about which provider is right for you. We guide you throughout your search and help you understand your coverage options. We provide up-to-date, reliable market information to help you make confident decisions. We reduce industry jargon so you get the clearest form of information possible. All providers discussed on our site are vetted based on the value they provide. And we constantly review our criteria to ensure we’re putting accuracy first. Bankrate logo Editorial integrity
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Bankrate’s editorial team writes on behalf of YOU – the reader. Our goal is to give you the best advice to help you make smart personal finance decisions. We follow strict guidelines to ensure that our editorial content is not influenced by advertisers. Our editorial team receives no direct compensation from advertisers, and our content is thoroughly fact-checked to ensure accuracy. So, whether you’re reading an article or a review, you can trust that you’re getting credible and dependable information. Bankrate logo How we make money
You have money questions. Bankrate has answers. Our experts have been helping you master your money for over four decades. We continually strive to provide consumers with the expert advice and tools needed to succeed throughout life’s financial journey. Bankrate follows a strict , so you can trust that our content is honest and accurate. Our award-winning editors and reporters create honest and accurate content to help you make the right financial decisions. The content created by our editorial staff is objective, factual, and not influenced by our advertisers. We’re transparent about how we are able to bring quality content, competitive rates, and useful tools to you by explaining how we make money. Bankrate.com is an independent, advertising-supported publisher and comparison service. We are compensated in exchange for placement of sponsored products and, services, or by you clicking on certain links posted on our site. Therefore, this compensation may impact how, where and in what order products appear within listing categories. Other factors, such as our own proprietary website rules and whether a product is offered in your area or at your self-selected credit score range can also impact how and where products appear on this site. While we strive to provide a wide range offers, Bankrate does not include information about every financial or credit product or service. Bankrate logo Insurance Disclosure
Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in . Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way. The Hartford is primarily known for offering insurance coverage to AARP members. However, the Hartford also has a with its human achievement and sustainability programs, making it an appealing company for policyholders looking to give back. Compare rates and save on auto insurance today! Get quotes Close X RatesRates keep going up in 2022. Compare rates and save on auto insurance today! Get quotes Close X This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions. Compare auto insurance rates
Answer a few questions to see personalized rates from top carriers. Save on auto insurance with quotes from trusted providers like: Drivers switch & save an average of $750+/year Arrow Right Are you overpaying for auto insurance? Arrow Right Safe drivers choose Allstate Arrow Right Powered by Coverage.com (NPN: 19966249) Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in . Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way. See more providers in Choose from insurers in Show More RATE INCREASE ALERT Rates increased up to 12% this year
Shop for a better rate before you renew your current policy. This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions. Compare auto insurance rates
Answer a few questions to see personalized rates from top carriers. Save on auto insurance with quotes from trusted providers like: Drivers switch & save an average of $750+/year Arrow Right Are you overpaying for auto insurance? Arrow Right Safe drivers choose Allstate Arrow Right Powered by Coverage.com (NPN: 19966249) Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in . Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way. See more providers in Choose from insurers in Show More , The Hartford has a long history of meeting the insurance needs of its policyholders. Whether you are in the market for home, auto or business insurance, you may want to consider getting a quote from The Hartford. The Hartford car insurance
Coverage
The Hartford offers industry standard to allow you to build a policy that fits your needs. Coverages include: Medical payments: Helps cover medical expenses resulting from an accident. No-Fault Insurance/Personal Injury Protection: Covers the medical bills of you and your passengers, regardless of who caused the accident. It can also cover lost wages and other bills that may accrue due to an injury, such as the fees for someone to do household tasks if you are unable. is typically a coverage found in “no-fault” insurance states. : Helps cover the cost of damages to your car resulting from an accident or theft, fire, windstorm and hail. Full glass: Repairs or replaces damaged glass on your vehicle with a $0 deductible. Towing: Helps pay for emergency roadside assistance. Rental car expense: Pays for a rental car, up to your coverage limits, if your vehicle is in the shop due to a covered loss. Bodily injury: When you are at fault for an accident, this helps cover any medical expenses to drivers and passengers in the other car/cars. Property damage liability: When you are at fault for an accident, this helps cover any costs related to property damage caused by your actions. This is most often damage to the other party’s car, but can also include damage to belongings inside that car or damage to objects that you hit, such as poles or mailboxes. : Pays for your medical bills when you and/or your passengers are injured by a driver who does not have insurance or does not have enough insurance to cover your damages. Uninsured motorists property damage: Pays for the damages to your vehicle and property when you are hit by an uninsured driver. Gap insurance: If you have a loan or lease on your car, this coverage helps to pay the difference between your car’s actual cash value and the financed amount in the event of a total loss. Cost of The Hartford car insurance
Before obtaining a quote, it may be beneficial to know the average annual cost of car insurance from The Hartford, so you can see how your premium compares. Average annual cost for minimum coverage Average annual cost for full coverage $754 $2,270 The Hartford’s average rates are higher than the rates of $1,674 per year for full coverage and $565 per year for minimum coverage. However, those higher costs can be offset with The Hartford’s range of discounts. Discounts
The Hartford offers to policyholders to help lower the cost of insurance. Discounts include: Vehicle safety discounts: If your car has an anti-theft device and/or air bags, you may qualify for a discount. Driver training discount: If you take an approved driver training course, you may receive a discount on your auto insurance policy. These discounts only apply to drivers under 21 years of age (25 in Georgia). Good student discount: If you are a full-time student in high school or college and between 16 and 25 years old, you may qualify for a car insurance discount if you maintain a certain GPA or letter grade average. The Hartford homeowners insurance
If you have auto insurance with The Hartford, it may be worth getting a homeowner’s insurance quote as well. Not only will it be easier to manage both policies with one company, but you may qualify for a discount on your auto and homeowners premiums by having both policies. The Hartford’s include: Coverage
Dwelling coverage: Helps cover the price of your home and the structures attached to it, such as attached garages. Other structures coverage: This covers structures that are not attached to your home, such as sheds and fences. Personal property: Helps cover the costs of your personal property, such as furniture, clothing and valuable possessions. Loss of use: If you cannot live in your home due to damage, this helps cover the cost of other living expenses. Liability: This coverage provides protection if you are found liable for injuries incurred by non-residents on your property or damage to another person’s belongings. Medical payments: Helps pay the medical bills if someone is injured on your property, regardless of negligence. Cost of The Hartford home insurance
The average homeowners insurance premium with The Hartford is $1,730 annually for a $250,000 dwelling. This is higher than the for a home of that value, which is $1,477 per year. However, just like with auto insurance, The Hartford helps policyholders offset this cost with discounts. Discounts
The Hartford offers several , including: : Bundle your home and car insurance to save up to 5% on car insurance and 20% on home insurance. Home security system discount: Having protective devices, such as burglar alarms and sprinkler systems, installed on your home may help you save money on your home insurance. Retiree credit: If you work fewer than 24 hours each week, you may qualify for this discount. Claims free discount: The longer you go without filing a claim, the higher level of discount you may qualify for. The Hartford ratings reviews customer satisfaction and complaints
The Hartford auto insurance received a rating of 888 out of 1,000 in the , ranking in the fourth place spot. With nearly 46,000 reviews on its website, The Hartford auto claims service was ranked an average of by its customers. For home insurance, the company received a score of 832 out of 1,000 from J.D. Power in the , ranking fifth. More than 17,000 customers ranked The Hartford’s home claims service an average of . The Hartford also received an for financial strength, meaning that the company is financially stable and more likely to be able to pay out claims in the event of large-scale losses. Reasons why The Hartford is a great option
If you are an AARP member, The Hartford may be a great place to start your insurance search. For those 50 and older looking to save without sacrificing great customer service, The Hartford can deliver. Its coverage options combined with its discounts makes it a great option for those in the company’s target audience. And if you are retired or have students as a part of your policy, the retiree credit and good student discounts could help you lower your premiums. With top reviews from thousands of customers who have gone through The Hartford insurance claims process, The Hartford can be trusted to be there for you when you need it most. Although The Hartford’s average auto and home insurance premiums are higher than the national average, the available discounts may make up for the premium difference. Additionally, because everyone’s insurance situation is different, the premium you pay may be higher or lower than the average, depending on your unique rating factors. Additional policies offered by The Hartford
In addition to car and home insurance, The Hartford also offers: Classic car insurance RV insurance All-terrain vehicle (ATV) insurance Golf cart insurance Snowmobile insurance Boat insurance Renters insurance Condo insurance Umbrella insurance Business insurance Small business insurance General liability insurance Workers’ compensation insurance Auto Car Guides Looking to save money on auto insurance
Compare rates & save Compare rates & save ADVERTISEMENT Get my free quote Powered by Coverage.com (NPN: 19966249) This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions. Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in . Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way. Frequently asked questions
How do I get a Hartford Insurance quote
It is easy to request a quote from The Hartford insurance company. , call the company directly or find a . How do I file a Hartford Insurance claim
You can file a claim or on the phone and The Hartford customer service will help you every step along the way. If your policy is serviced through an independent agent, you can likely also file a claim by calling your agent. Methodology
Bankrate utilizes Quadrant Information Services to analyze 2021 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Quoted rates are based on 40-year-old male and female homeowners with a clean claim history, good credit and the following coverage limits: Auto: Bodily injury liability per person: $100,000 bodily injury liability per person $300,000 bodily injury liability per accident $50,000 property damage liability per accident $100,000 uninsured motorist bodily injury per person $300,000 uninsured motorist bodily injury per accident $500 collision deductible $500 comprehensive deductible To determine minimum coverage limits, Bankrate used minimum coverages that meet each state’s requirements. Our sample drivers own a 2019 Toyota Camry, commute five days a week and drive 12,000 miles annually. Homeowners: Coverage A, Dwelling: $250,000 Coverage B, Other Structures: $25,000 Coverage C, Personal Property: $125,000 Coverage D, Loss of Use: $50,000 Coverage E, Liability: $300,000 Coverage F, Medical Payments: $1,000 The homeowners also have a $1,000 deductible and a separate wind and hail deductible (if required). These are sample rates and should be used for comparative purposes only. Your quotes will differ. SHARE: Cate Deventer is a writer, editor and insurance professional with over a decade of experience in the insurance industry as a licensed insurance agent. Related Articles