How It Works
Tell Us About Your Vehicle, Location, and Current Coverage
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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
Required in nearly every state, liability covers damage and injuries you cause to others. Senior drivers with significant retirement assets often carry higher liability limits (100/300/100 or greater) to protect those assets in the event of an at-fault accident.
Comprehensive Coverage
Covers damage to your vehicle from non-collision events like theft, vandalism, hail, or hitting an animal. On a paid-off vehicle worth less than $3,000–$4,000, the annual cost of comprehensive plus your deductible may exceed what you'd recover in a claim.
Uninsured Motorist Coverage
Protects you when hit by a driver with no insurance or insufficient coverage. Particularly important for senior drivers on fixed incomes who cannot absorb unexpected medical or repair costs—roughly 13% of U.S. drivers are uninsured.
Full Coverage
Combines liability, collision, and comprehensive—typically required if you have a car loan, but optional on a paid-off vehicle. Many senior drivers drop collision and comprehensive once their vehicle's value falls below $5,000, keeping only liability and uninsured motorist protection.
