What Is a Disappearing Deductible?

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couple happy knowing What Is Disappearing Deductible

Car insurance discounts are not the only ways to save on your car insurance. Disappearing deductible is one optional benefit available to you through the AARP^® Auto Insurance Program from The Hartford¹ that can save you money. Also referred to as a diminishing deductible or vanishing deductible, disappearing deductible reduces your collision car insurance deductible on your auto policy over time if you remain accident free and maintain a clean driving record.^‡

How Does a Disappearing Deductible Work?

A car insurance deductible is the amount you pay out of pocket before insurance covers the rest after you file a claim. But with disappearing deductible, your collision deductible will lower over time if you maintain 5 years of accident-free driving.^‡ For example, let’s say your deductible is $1,000. With disappearing deductible, you may only have to pay $500.

How Much Is Disappearing Deductible Coverage?

man researching How Much Is Disappearing Deductible

Like insurance deductibles, the cost for disappearing deductible is based on many factors, and ultimately depends on your insurer and policy. This optional benefit could save you money down the line, especially if you remain claim free and maintain a clean driving record.^‡

Frequently Asked Question About Disappearing Deductibles

What Is a Vanishing Deductible?

A vanishing deductible is just another term for a disappearing deductible. Disappearing deductible is also sometimes referred to as a diminishing deductible.

Is a Disappearing Deductible Worth It?

Car insurance companies offer disappearing deductible as an optional benefit that can be added to auto policies. Because your collision deductible will decrease over time if you remain accident free, typically vanishing deductibles are worth it to save you money down the road.

What Is an Example of a Disappearing Deductible?

If you opt into disappearing deductible coverage and maintain a clean driving record, you can reduce your collision deductible if you ever file an auto insurance claim. For example, if your collision deductible is $1,000, you may only have to pay a $500 deductible instead.

What Does Disappearing Deductible Mean?

Disappearing deductible rewards safe driving by lowering your collision deductible amount over time, as long as you keep a clean driving record. With the AARP Auto Insurance Program from The Hartford, if your deductible is at least $500 and you remain accident free for 5-years, your deductible can go down.^‡

How Do I Qualify for Disappearing Deductible?

To see if you qualify for a disappearing deductible and other auto benefits, call The Hartford at 888-546-9099.

How Do I Add a Disappearing Deductible to My Auto Insurance Policy?

If eligible, you can opt into this benefit during the online quote process or by calling The Hartford’s representatives at 888-546-9099.

Additional Benefits From The Hartford

The AARP Auto Insurance Program from The Hartford offers exclusive discounts and benefits to help safe drivers save money, like:

Defensive Driving Discount: You can get a defensive driving discount on your car insurance for the next three years if you finish an approved defensive driving course and send us a copy of the certificate.
Safe Driver Training Discounts: If you finish an approved safe driver training course, you can get a discount on your car insurance rate for drivers who are under 21 years old (under 25 in Georgia).
Safety Features: Do you have anti-lock brakes or more than one airbag? If so, you can receive savings for your car’s safety features.
Accident Forgiveness: As long as all drivers on your car insurance policy have a clean driving record and are accident-free for five straight years, accident forgiveness excuses your first accident if you need to file a claim.^‡

Get Disappearing Deductible Coverage From The Hartford

At The Hartford, we help experienced drivers get the coverage they need at a rate they deserve. Whether you’re looking to add disappearing deductible coverage to your policy, are in the market for car insurance quotes or just want to learn more about the benefits, the AARP Auto Insurance Program from The Hartford is here to help. Get a quote online or speak to a Hartford representative at 888-546-9099.

Last Updated: March 19, 2025

** Average savings amounts based on information reported by customers who switched to The Hartford from other carriers between 9/1/22 and 8/31/23. Your savings may vary. Average auto insurance savings is $577 and average home insurance savings is $236. Rate differences for AARP members and non-members vary by state and AARP membership tenure. Auto/Home discount is available only to policyholders who have both their auto and home (or condo or renters) insurance through the AARP Auto & Home Insurance program from The Hartford. The Hartford does not write new business in all areas, including the states of CA and FL.

^§ Availability of RecoverCare benefit and benefit levels vary by state. The Hartford RecoverCare Advantage^® is a registered mark of The Hartford.

^§§ Terms and conditions apply.

^‡ Terms and conditions apply. Accident Forgiveness and the Disappearing Deductible are not available to CA policyholders.

^‡‡ Terms and conditions apply. Availability varies by state.

^‡‡‡ Based on one car and driver; individual rate/premium/savings will vary based on actual coverage selections and characteristics of vehicle(s)/driver(s).

Additional disclosures below.

How a Disappearing Deductible Works