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
Covers injury and property damage you cause to others. Illinois requires 25/50/20 minimums, but many retirees carry higher limits to protect retirement assets.
Collision Coverage
Pays to repair your vehicle after an accident, minus your deductible. Many retirees drop this on older paid-off cars to lower premiums by 30-40%.
Comprehensive Coverage
Covers theft, weather damage, vandalism, and animal strikes. Costs less than collision and protects against non-accident damage common in garage-stored vehicles.
Full Coverage
Bundles liability, collision, and comprehensive into one policy. Required if you finance or lease, but optional once your vehicle is paid off.
