How It Works
Enter Your Details
See Your Options
Choose Your Coverage
Coverage Options
Understanding your coverage options helps you build a policy that protects what matters — without paying for what you don't need.
Liability Insurance
Covers injury and property damage you cause to others — required in nearly every state. On a fixed income, choosing the right liability limits means balancing legal requirements with protection for your retirement assets.
Comprehensive Coverage
Covers theft, vandalism, weather, and animal strikes to your vehicle. If your car is paid off and worth less than ten times your annual premium, this optional coverage may not be cost-justified.
Uninsured Motorist Coverage
Protects you when hit by a driver with no insurance — roughly 13% of U.S. drivers are uninsured. This coverage is often inexpensive and particularly valuable for senior drivers with medical considerations.
Full Coverage
Combines liability, collision, and comprehensive — typically required if you have a loan, optional if your vehicle is paid off. Senior drivers with vehicles over 10 years old often save hundreds annually by switching to liability-only.
