The Hartford rating: 4.5 out of 5 stars Best for: Low costs The Hartford is a strong choice for auto insurance if you’re an AARP member (or are open to becoming one). Rates are cheaper than average, and perks like accident forgiveness, new car replacement, and diminishing deductibles add solid value. That said, its claims record is mixed, and non-AARP policies have to be purchased through an agent, not online. If you qualify through AARP and want affordable coverage with senior-friendly benefits, The Hart ...