What Discounts Does The Hartford Offer?

The Hartford does not advertise a marriage discount, though married drivers to pay less for their policy with The Hartford than single drivers than single drivers, on average. For example, a 45-year-old married driver with a good record on the road pays an average of 6% less for coverage from The Hartford than the same driver without a husband or wife. Married people also typically qualify for more discounts with The Hartford, like the multi-vehicle and multi-policy discounts.

Married couples tend to be more careful on the road and get into fewer accidents, which translates into lower rates than The Hartford. But there are some exceptions, and sometimes a shared policy can be more expensive. If your spouse has a poor driving record or is considered a high-risk driver for another reason, you could pay more for your policy with The Hartford.

To get a The Hartford quote, you can go online or call 888-413-8970.

You can get The Hartford's safe driver discounts in several ways, including by installing anti-theft devices in your vehicle and taking a defensive driving course. The Hartford groups several discounts under the heading of “safe driver,” and offers additional benefits to drivers who maintain a clean record.

The Hartford's Safe Driver Discounts 

• Anti-theft device discount: Get a discount if your car has active or passive anti-theft devices installed, including alarms and tracking tools.
• Air bags discount: Save on your premium if your car has more than one airbag.
• Vehicle fuel type discount: Available for drivers who drive hybrid or electric vehicles.
• Driver training discount: Drivers who are under the age of 21 can get a discount if they take an approved driver education course.
• Defensive driver discount: Get a discount that lasts three years if you take an approved defensive driving course.
• Good student discount: Get a lower rate for full-time high school and college students who maintain at least a “B” average.

In addition to safe driver discounts, The Hartford also offers rewards for drivers who avoid accidents. If you've had a clean record for at least three years, you may qualify for the disappearing deductible program, which lowers your collision deductible by $50 every year that you're accident-free. If your record is clean for five years, you may also qualify for free accident forgiveness.  

If you don't qualify for any rewards that The Hartford offers for safe drivers, you should check for other available discounts that can lower your rate. For example, you can save up to 5% on your auto insurance if you bundle your policy with home, condo, or renters insurance. You can also get a discount if you pay for your policy in-full up front.

To learn more, check out WalletHub's guide to The Hartford's discounts.

The Hartford is so cheap because the company offers a wide variety of discounts that almost anyone can get. A minimum coverage policy from The Hartford costs an average of $72 per month, and The Hartford premiums can be made even cheaper by taking advantage of discounts such as safety features discounts and paid-in-full discount. Plus, The Hartford rewards customer loyalty with discounts for insuring more than one car and bundling multiple policies, such as home and auto.

Average Monthly Rates for The Hartford vs. Top Competitors

Note: Premiums are representative of a 45-year-old good driver in CA; individual premiums will vary.

The Hartford is especially cheap for young drivers in particular. That's because The Hartford has special savings opportunities for drivers in this category, such as discounts for students who maintain at least a B average.

Your final premium is based on a variety of factors, though, such as your driving record, insurance history, and more. Every insurance company determines their rates differently, so even though The Hartford is among the cheapest car insurance companies, the only way to confirm you've found the lowest price is to compare quotes from multiple companies.

To learn more, check out WalletHub's review of The Hartford and see The Hartford's full profile.

The Hartford is so expensive because car insurance is expensive in general, due to rising costs for insurers. But at $767 per year, the average The Hartford car insurance policy is actually cheaper than coverage from most competitors. In fact, The Hartford is one of the cheapest car insurance companies nationally.

Even though The Hartford offers cheaper-than-average rates, its premiums can get expensive for drivers with certain characteristics. For example, teenagers pay an average of $2,408 per year for The Hartford insurance, compared to $767 per year for older drivers. Additionally, drivers who recently had an at-fault accident pay an average of $1,131 per year for The Hartford coverage, which is 48% more than drivers with a clean record.

Factors That Can Make The Hartford Insurance More Expensive

• Being a young or inexperienced driver
• Purchasing a full coverage policy versus minimum coverage
• Causing an accident or being convicted of a moving violation
• Living in a high-risk ZIP code
• Driving an expensive vehicle
• Having a poor credit-based insurance score

If you're struggling to afford your The Hartford insurance, there are ways for you to lower your rate. For example, you can take advantage of The Hartford discounts or reduce your coverage.

In some cases, it might be better to switch insurers altogether. It's usually a good idea to compare quotes from at least three different insurers to see if you can find a better deal elsewhere. Each insurer uses its own algorithm to calculate premiums, so even if The Hartford is charging you a high premium, you may be able to find a cheaper policy with another insurer.

To learn more, check out WalletHub's The Hartford review.

The Hartford offers a discount for drivers over the age of 50 who are AARP members, allowing them to save up to 10% on their premium. But like all major insurance companies, The Hartford does not have a senior discount that automatically lowers rates for all older drivers. 

If you're not an AARP member, there are still ways that you can lower your car insurance premium with The Hartford. For example, The Hartford offers a discount for customers who pay their premium in-full up front, as well as discounts for drivers who have additional safety features installed in their vehicle.

To learn more, check out WalletHub's guide to The Hartford's discounts.

No, The Hartford does not offer a new car discount, unlike three of the 10 largest car insurance companies. But policyholders with The Hartford can still find other ways to lower their premium, such as by taking advantage of their safety features discount, vehicle fuel type discount, or driver training discount.

For more information about saving on your insurance, check out WalletHub's complete guide to The Hartford discounts.

You can get The Hartford's pay-in-full discount by paying your bill in full, instead of making monthly payments. The pay-in-full discount allows drivers to save on their car insurance premium by choosing to pay for the entire cost of their policy up front rather than opting for installments.

If you cannot pay your entire premium up front, you can still take advantage of other discounts. For example, The Hartford has a bundle insurance savings for drivers who drivers who bundle their car and home coverage with the AARP Auto and Home Insurance Program from The Hartford.

To learn more, check out WalletHub's guide to The Hartford discounts.

No, The Hartford does not have a teacher discount. Although The Hartford does not offer special discounts for educators, teachers can still save with some of The Hartford's other discounts, including a bundling discount, a defensive driver discount, and a driver training discount.

That said, car insurance companies like The Hartford often take a driver's occupation into account when calculating rates (in states where it is allowed). As a result, teachers might save simply because they are in a low-risk occupation for car insurance.

Insurance companies do not disclose their exact formulas for calculating rates, however. So comparing quotes between at least three companies is still the best way to find inexpensive coverage for teachers.