I have checked insurance rates now THREE times with AARP affiliated providers -- the most recent with the Hartford. EACH TIME the rates were MUCH HIGHER than what I am paying now. On April 19, 2019, the rate quoted for vehicle insurance was $650 HIGHER -- or 80 PERCENT HIGHER than what I am paying now. AARP creates the ILLUSION of receiving value - but is not true. I have also tried using AARP for dining and hotels and is USUALLY not accepted. Is all a bunch of hype.