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The Hartford Car Insurance Discount Programs

The Hartford car insurance company offers several different types of discounts for new and existing customers. You can qualify for a special discount simply by having a clean driving record, being a good student, or outfitting your vehicle with the latest safety devices.

Helping You Recover After an Accident

Customers who purchase car insurance from The Hartford receive more than just standard coverage for vehicle repair and medical bills. The Hartford has a program that provides personal support for customers injured in car accidents who cannot complete their daily tasks at home.

The Hartford will help with a customer's everyday basic needs until the customer is able to perform those tasks on their own again. The service ranges from dog walking to lawn care, meal preparation to helping with laundry.

Repair Guarantees

A number of auto repair shops have teamed up with The Hartford to provide a guarantee of quality services for Hartford customers. If you use one of the repair shops on the list, you will be given a guarantee that the work will be performed quickly and properly the first time.

Any auto service work that is done while you own the car will carry the Hartford promise of excellent quality. If you experience a problem with something that has been repaired through one of the select shops, you will be able to return the car to the shop for any necessary repairs at no cost.

Replace Your New Car

The Hartford offers new car owners a special benefit. If your car is less than 15 months old or has a mileage of less than 15,000 miles, The Hartford will replace it with the same make and model if it is destroyed in an accident. There will be no depreciation assessed for your car, even if you have had it for more than a year.

This benefit only promises to provide the funds for a car that has the same equipment package that your previous car had. If you want to upgrade to a more expensive package, you will have to pay the difference out of pocket.

Benefits for Safe Drivers

Customers who do not have any accidents or traffic tickets while they are customers of The Hartford can take advantage of a $150 reduction in their deductible. All you have to do is avoid any car insurance claims while you are insured by the Hartford to receive this discount. If you do eventually have an accident, Hartford will waive any fee increases for your first accident. The combination of a deductible discount and waived fee increases can combine to save you hundreds of dollars.

Deductible Discounts

There are many ways to earn a reduction in your deductible costs. If you are involved in an accident that is not your fault, The Hartford will waive your entire deductible. Choosing to have your car repaired by one of the shops that is endorsed by The Hartford will allow you to save $100 from your standard deductible.

The Hartford has authorized repair shops located throughout the United States. They offer the deductible reduction as well as the lifetime guarantee on the repair work that is performed by one of these trusted repair locations.

Anti-Theft Equipment Savings

You can save money on your insurance through The Hartford when you equip your vehicle with any device that helps reduce the risk of it being stolen. Car alarms and steering wheel locking devices can deter theft attempts, which will reduce the risk of you ever needing to file a claim for a stolen car. That reduced risk is reflected in the savings you will receive through The Hartford's premiums.

Upgrading your car's safety features can also earn you a discount because your car will be safer for you and any passengers. Air bags and anti-lock brakes are common safety upgrades that save Hartford customers money.

Discounts for Improving Your Education

The Hartford awards substantial discounts to customers who attend defensive driving courses and attend approved safe driving courses. When a driver takes the time to learn how to drive more safely, there is a better chance that the driver will be involved in fewer accidents.

Students who are still in high school or college can earn discounts by maintaining good grades in their classes. Passing a driving course or getting good grades at school demonstrates a higher level of responsibility, which tends to translate to safer driving habits. The Hartford can offer discounts for people who present a lower risk.