How It Works
Tell us your state and how you drive now — fewer miles, paid-off car, current coverage
See which carriers offer retiree and low-mileage discounts where you live
Pick coverage that fits a fixed budget and lighter driving. No obligation
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
California requires $15,000/$30,000/$5,000 minimum liability coverage. Most retirees carry higher limits ($100,000/$300,000) to protect retirement assets from lawsuit exposure.
Collision Coverage
Pays to repair your car after an accident, minus your deductible. Retirees with vehicles worth under $3,000 often drop collision since premiums exceed potential payout.
Comprehensive Coverage
Covers theft, vandalism, weather damage, and animal strikes. California's high theft rate in urban counties makes comprehensive worth keeping even on older vehicles.
Full Coverage
Combines liability, collision, comprehensive, and uninsured motorist protection. Retirees with financed vehicles or high-value cars maintain full coverage until the loan is paid.
