Tried them once...someone backed into us, although it was her fault we got nothing, switched back to State Farm. Cheaper doesn't help if they won't pay a claim...maybe others have had better luck.

Have had auto insurance with them 10 years. Never a claim. They will not do homeowners insurance on Long Island because of "wind damage".

I also have been with them for about 10 years. They insure several of my rentals, cars, umbrella policy.....buuuuut....they decided my primary residence which borders wide open acreage was a high risk for fire and doubled my premium(I was in the path of the Waldo Canyon fire, if it had jumped the highway we would have burned) ....so I have it with Liberty Mutual this year...and then they wouldn't accept any more rentals because my primary home wasn't with "them". :0(

I have a Land Rover that got a cracked windshield on our last road trip. They charge $100 for ANY windshield replacement, they come to you, once a year, does NOT effect your policy premiums. Would have been $500 without insurance, I did check.

I was a claims adjuster for AAA, at one time. Hartford was as easy to reach and deal with as any of the other agencies. The BIG "thing" that stands out to me....they offer $100K med pay(under your car insurance), other insurance companies typically offer $25k. It pays YOU when you get hurt in an accident. Yes, I have health insurance, but with a high deductable each year. A claim with multiple surgeries can go on for several years. Also they offer 500K/1mil liabiity....say .....if you take out a Bentley convention or utilities. :0)

Reason I left Met Life, after multi years, is they were always raising rates. What about Hartford?

Glenda....yes, my rates have gone up over the years.....but I do call around about every 3 years and they are VERY competitive! Progressive won't insure my primary residence AT ALL.....because of the fire danger/zip code. Farmers won't insure me unless I clear 100 feet of trees all around the house. lol

nicole, mine went up a hundred dollars, with Met Life, this year, and Hartford saved me close to $300. Wondering if it will go up after they "hooked" me and got me to change to them???? Guess I need to give them a call. I like that I only pay premiums once a year with lower costs. Should have asked??? if what they quoted is for the initial cost, and what the next premium will be, eh?

Glenda....they don't have "introductory rates". Your premium will go up maybe $20.....unless something changes. My house being in a wooded area, just missed by a HUGE fire changed things for my policy. Otherwise it's been smooth sailing.

Yes. Your rates locked in for a year. Also a nice feature of their policy.

Thanks, nicole!

I think most insurance companies (just like any other sellers of goods or services) like to nudge up prices every year. Same as workers who want annual raises, and with companies, it's sometimes in part for that very reason.

As far as AARP promotions and endorsements are concerned, everyone should know that AARP is happy to promote, endorse, and recommend any company willing to pay AARP for that promotion, endorsement, or recommendation. It's not as if AARP does an independent assessment of available providers to find one for members to use because they don't. Their name on any company's product or service means that the demanded fee was paid.

Good idea to check for people's experience when making a claim with whatever company comes with a smile, yearning to cover you.

Especially now when many send you a flyer in the mail/email, with an 800 number and no home address listed, for contact in case of problems.

"Cheap" (or "frugal") ain't any use if they're deaf ( or "reverse cheap") at claim time.

ole joyful

Thank you, everyone!