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
Pennsylvania requires $15,000/$30,000/$5,000 minimum liability coverage. Many retirees carry higher limits—$100,000/$300,000—to protect assets accumulated over decades.
Full Coverage
Full coverage combines liability, collision, and comprehensive. For a paid-off 2015 sedan worth $8,000, dropping collision saves $40-$70/month—collision pays only up to current vehicle value.
Collision Coverage
Collision pays for vehicle damage after an accident, minus your deductible. If your car is worth less than 10 times your annual collision premium, most advisors recommend dropping it.
Comprehensive Coverage
Comprehensive covers theft, vandalism, weather damage, and animal strikes. Pennsylvania sees 5,400 deer-collision claims annually—comprehensive costs $12-$22/month for most retirees.
