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
Florida requires $10,000 personal injury protection and $10,000 property damage—no bodily injury minimum. Most retirees should carry higher limits than state minimums to protect retirement assets.
Full Coverage
Liability plus collision and comprehensive. Worth keeping if your vehicle is worth more than $4,000 or you couldn't replace it out-of-pocket—otherwise you're paying $600–$900/year for coverage that returns diminishing value.
Collision Coverage
Pays to repair your car after an accident, minus your deductible. On a paid-off vehicle older than 10 years, annual collision premiums often exceed the payout you'd receive.
Comprehensive Coverage
Covers theft, vandalism, weather damage, and animal strikes. Florida's hurricane exposure makes this worth keeping even on older vehicles if you park outside or live in flood zones.
