Car Insurance Discounts Offered by The Hartford

The Hartford car insurance discounts include offers for the disappearing deductible, safe driving, and multi-vehicle policies. The Hartford also offers discounts for Seniors through AARP.

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UPDATED: May 4, 2022

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Written By: Laura BerryReviewed By: Joel OhmanUPDATED: May 4, 2022Fact Checked

Here's what you need to know...

  • Despite not being licensed in all fifty states, The Hartford is one of the leading insurers in the country
  • There are many new discount programs offered by competing companies under similar names
  • The Hartford offers customers the use of an app which provides easy resources and helpful tools

The Hartford auto insurance company has been around for more than 200 years. This company’s corporate office is located in Lexington, Kentucky, with a license to do business in approximately 39 states in the nation.

Each insurance policy written by The Hartford is customized to fit the needs of the driver.

This business offers an interactive calculator to determine what type of coverage you need and how much. The Hartford also offers 12-month policies versus six-month policies initially.

To get online car insurance quotes from The Hartford as well as other major carriers, enter your ZIP code above to get started.

The Hartford Car Insurance Discount Programs


When you are offered a quote from a prospective insurer, it would be good to have some idea of the different discount incentives offered.

Some of The Hartford’s programs include:

  • The Disappearing Deductible – a popular incentive for those who have not had an accident in three to five years
  • Defensive Driver Credit – lowers a number of points earned from a moving violation in most states
  • Bundled Policy – a policy that may have your car and home covered under it
  • Anti-Theft Device Discount – for drivers whose cars feature anti-theft devices such as a security system or On Star device

The option to take advantage of some of these discounts will depend on the state in which you live and the laws that apply.

This insurance carrier also offers other benefits to becoming one of its policyholders such as:

  • No Drop Promise – If you meet the minimum qualifications of maintaining your license, you will not be dropped by The Hartford
  • Replacement Cost – Full replacement for new cars of the same make and model of a totaled car if it has less than 15,000 miles
  • RecoverCare Program – Assists you with your medical bills if you are hurt in an accident
  • Six-Point Claim Guarantee – Ensures that you get the utmost service from the company’s 24/7 claims hotline

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Using The Hartford Car Insurance Mobile App

The mobile application is the new trend of convenience for those with smartphones. You can download The Hartford app to manage your policy.

Individuals and businesses can access tools and resources that will help you in the event of an accident or locate an authorized repair shop after an accident.

This app offers a checklist of things to do and what you need in case of an accident. You can even send pictures directly to your Hartford agent in minutes.

The business app will allow you to request identification cards, as well as certificates of insurance.

You also have immediate access to the business claims center for express customer service. Your accident information is then saved for future accessibility.

The Hartford Car Insurance Discounts for Seniors


The Hartford values the fact that seniors have a long history of work and service to the community.

Therefore, seniors with AARP enjoy extra savings in addition to those mentioned.

To get more information on how you can save on online car insurance rates, enter your ZIP code here!

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.

A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

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Written by Laura Berry
Former Insurance Agent Laura Berry

Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP® Joel Ohman

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