How Do I Get The Hartford to Lower My Rate?

One way to lower your costs is to lower your auto insurance rate. If you get your auto insurance from The Hartford, you have multiple ways you can do this, including paying your annual premium in one lump sum, taking a defensive driving course, joining AARP and requesting a higher deductible.

If you need to reduce your monthly costs, you can always try to get a lower monthly auto insurance rate. If you get your auto insurance through The Hartford, there are a number of ways you can do this.

Become a Member of AARP

If you're old enough to join AARP, you should do so. You could knock up to 10% off of your rate.

Switch to an Electric or Hybrid Car

The Hartford offers discounts for people who drive environmentally friendly vehicles such as electric and hybrid cars.

Request a Higher Deductible

If you tell The Hartford that you want to switch to a higher deductible, they might lower your rate significantly. This is something of a gamble, but if you drive safely you can save a lot of money. Make sure you can pay a higher deductible before making this request.

Improve Your Credit Score

The Hartford uses your credit score when it sets your insurance rate. If you bring your credit score up high enough, you may get a lower insurance rate. There are things you can do to raise your credit score, including paying bills off quickly and getting a credit improvement loan. You should also check your credit report for errors that lower your credit score. Correcting errors on your report can improve your credit score.

Take a Defensive Driving Course

The Hartford offers lower rates to those who take a defensive driving course. Ask a representative what courses qualify for this discount.

Keep a Clean Driving Record

If you drive without getting into an accident for 5 years, you can get The Hartford's safe driver discount.

Pay Your Annual Premium in One Lump Sum

Pay your annual premium in one payment instead of monthly or quarterly installments to get a discounted rate.

Need Help?

If you have any question, contact The Hartford's customer support service. The company maintains no online contact options, you will have to contact them by phone.

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