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. New Jersey requires $15,000 per person and $30,000 per accident in bodily injury liability, plus $5,000 in property damage—among the lowest minimums in the nation.
Full Coverage
Combines liability, collision, and comprehensive. Retirees with vehicles valued under $4,000 often pay more in annual premiums than the car's replacement cost, making liability-only a better financial choice.
Collision Coverage
Pays for damage to your vehicle after an accident, regardless of fault. Premiums average $400–$700 annually for drivers 65+; dropping collision on a paid-off car worth under $5,000 typically saves $500+ per year.
Comprehensive Coverage
Covers theft, vandalism, weather damage, and animal strikes. Low-mileage drivers garaged in suburban areas often see comprehensive premiums under $200 annually, making it a reasonable keep even when dropping collision.
