AARP car insurance is ideal for most car users as it has different plans that can provide benefits in multiple ways. The advantage plus package is one of the highest-rated of the different plans offered by the AARP. The basic AARP car insurance has a variety of benefits itself, but with the advantage plus package, you just add a new range of benefits to the existing ones. The basic AARP car insurance gives you a new car replacement coverage, lifetime car repair assistance, 24/7 hotline, RecoverCare, 12-month fixed rate and lifetime renewability. Following are some benefits of the advantage plus package.

First accident forgiveness
The AARP car insurance understands that everyone is entitled to make a mistake, once in a while, and they are willing to forgive that mistake. If you are entitled to the first accident forgiveness, then you will not be affected by the first accident. You will not see any changes in the premium of your car insurance. To qualify for this benefit, the car driver must have a clean driving record for five consecutive years.

Disappearing deductible for auto insurance
A clean driving record can impress your car insurance company significantly, and you will be awarded for it. The disappearing deductible benefit of the advantage plus package brings your collision deductible down a certain amount every year. If you have a clean record for a long time it can also come down to as much as $0.

One deductible
With the “one deductible” feature of the advantage plus package, you will be paying only for one deductible if two of your vehicles, covered under the AARP car insurance, are damaged in the accident. You will pay the deductible among that is higher. This benefit is also applied to the combination of a car and home insurance. If you witness damages to your home and car, you will only have to pay one deductible; again, whichever is higher.

Waiver of deductible
This is one of the most engaging features of the advantage plus package. In some accidents, it is not your fault. If you are involved in an accident, and you are not at fault, your deductible will be waived off. However, this is only after an inspection by the AARP car insurance company, and it is not available in all states.

Car insurance is one of the most primary associations with the purchase of a new car. Getting the right car insurance is important for you to ensure the safety of your car and efficient financial cover. Becoming an AARP member and taking up the AARP car insurance entitles you to new benefits that might not come with most other car insurances. Being an AARP member could also make you eligible for a few extra benefits on your car insurance. Read along to find more reasons why you must choose the AARP car insurance.

Renewability
A lifetime renewability of a car insurance is not common among most insurance companies. With AARP insurance, you are guaranteed a renewal of the insurance till an age at which you can drive. To avail this benefit, you need to meet a few requirements. These requirements are as simple as maintaining an active driver’s license and timely payments of the premiums.

RecoverCare accident assistance
Once your car insured with AARP car insurance, the company also offers to take care of your injuries incurred in the accident. RecoverCare offers to provide reimbursements for the home services that you might not be able to perform because of the accident. It can help in covering basic costs like house cleaning, lawn maintenance, snow removal, food preparation, and even dog walking.

New car replacement
One of the major benefits is the car replacement policy, which replaces your new car if you crash is beyond repair in the first 15 months of purchase or the 15,000 miles. The replacement is with a new vehicle of the same model, make, and equipment. This scheme also comes with zero deduction for depreciation.

Lifetime car repair
Once you have a covered claim and use one of the 1600+ authorized repair shops, AARP car insurance will cover the repairs for as long as you can own or lease the vehicle. Along with getting quality repair for your car, you will also be saved from the hassle of looking for a trusted repair shop.

12-month car insurance rate
When you choose AARP car insurance, you are assured about the premium rate fluctuating without your notice. In fact, you are entitled to a fixed rate on the premiums for an entire year.

AARP is a long established organization that works to ensure a better quality-of-life for all Americans aged 50 and above. AARP provides a number of benefits for its members. Currently, they’ve got more than 38 million members.

One of the benefits that the AARP offers is health and medicare supplemental insurance plans. This can help reduce the cost of hospitalization and medicines. While the AARP isn’t an insurance company, it endorses certain insurance plans for older people provided by recognized names in the health insurance industry.

AARP Health and Medicare Insurance
There are different levels of cover you can choose. The higher the premium, the more comprehensive the coverage. You can also choose to pay high deductibles to keep premiums low.

Premier Plans: These are like regular health insurance policies that provide more comprehensive cover. These plans generally cover 80% of usual health care expenses, like prescription drugs, preventive care, doctor visits, and hospitalization. You have to pay the deductible before the insurance will cover the remaining cost.

Health Plans with High Deductibles: These plans are compatible with Health Saving Accounts. You pay a low premium, but for all claims you’ll have to pay a high deductible. You can opt for these plans if you’re healthy and seldom pay a visit to the doctor. You can also choose this plan if you’re self-employed to take advantage of tax benefits associated with a HSA.

Preventative Care and Hospitalization Plans: These plans cost the least in premiums, but you need to pay most expenses by yourself. You pay for doctor visits and prescription drugs, even within the network. These plans only cover hospitalization and outpatient procedures.

Advantages of AARP Health Insurance
– AARP is lenient about certain common medical conditions. With AARP, you’re more likely get affordable cover even with health conditions like high cholesterol or hypertension. When going through your medical history, AARP looks at the records for the past five years. So, if you’ve had a serious problem like a heart attack seven years ago, but are now fully recovered, this won’t affect your policy
– All AARP plans provide an annual physical, a prostate examination for men, a mammogram and gynecological exam for women
– AARP members can buy insurance for their dependents. This is especially useful in case there’s no employer sponsored family cover

AARP Medicare Supplemental Insurance
These plans help cover some medical expenses that aren’t covered under medicare.
– AARP approves 99.94 percent of the applications they receive. It only rejects patients with chronic kidney disease
– AARP does not charge premiums based on age
– It uses community rating
– You pay the same premium regardless of your age, health, or gender
– This may translate into higher premiums when you’re younger. However, it works to your advantage as you grow older
– The premiums don’t increase with age
– AARP provides 24/7 toll-free customer service

Long Term Care Insurance
AARP Long Term Care Insurance can help reduce the cost of long term nursing care or residing in assisted-living facilities. AARP guaranties that premiums of these covers will remain unchanged for five years. You can call AARP Customer Service when you need in deciding the level of cover you should purchase.

AARP endorsed insurance plans can help you get health cover at competitive prices. AARP is a powerful organization with a collective voice that can influence policy decisions. So, insurance companies who provide covers for AARP members take care to provide quality coverage and service.

Thinking of renting a car during your next trip? Or is your car in the shop and you need to get around as usual without disruption? Well, if you have an AARP membership, you’re in luck, and are eligible for some really good offers and exclusive discounts on car rentals with Budget and Avis, and the less popular but also competitive Payless and ZipCar rental services. Are you under the impression that AARP means you have to be older, if not retired? AARP actually offers membership even to those who are younger than its demographic of 50 and above. And it is rather cheap to get oneself a yearly AARP membership it costs less than $20!

Not quite sure if it’s for you? Well, here are some of the reasons you should go out and get yourself an AARP membership and make sure to carry that card with you when you are traveling or heading to rent a car. First thing to keep in mind is that the exclusive offers for AARP members are from the AvisBudget group, which is the car rental group that AARP has tied up with. So, check whether your town or the place you’re traveling to has one of the car rental services listed, pull your card out of your wallet and head over to get some of the best options and discounts possible on a car rental.

With an AARP membership, you can expect a discount somewhere between 12% and 25% on the listed car rental price, on any car, in any category. Furthermore, you can get upgraded for free from a compact and get a nicer and more spacious car, and this applies to the categories up to full-size. No one ever said no to extra legroom and a more comfortable ride, now did they? And how about easing your travel and not needing to know your way around or depending on your mobile phone for directions? With AARP membership, the rental of a Garmin GPS will cost you only $6.99 per day.

Picking up and dropping off your rental from the same location? Well then, you can enjoy unlimited mileage on your rental car another perk of your AARP membership. And you also get a second driver for free, without paying the Additional Driver Fee, whoever that driver is, without any restrictions. You also get frequent traveler points and can call for roadside assistance should you need it, any time of the day or night.