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
New York requires $25,000 bodily injury per person, $50,000 per accident, and $10,000 property damage. Most retirees with assets over $100,000 carry higher limits—$100,000/$300,000/$100,000—to protect home equity and retirement accounts.
Full Coverage
Bundles liability, collision, and comprehensive. Worth keeping if your vehicle value exceeds $4,000 or you financed a recent purchase, but many retirees overpay by keeping full coverage on a 10-year-old sedan worth $3,200.
Collision Coverage
Pays for damage to your car after an accident, minus your deductible. If your car is worth less than 10 times your annual premium, collision coverage costs more over three years than the vehicle's replacement value.
Comprehensive Coverage
Covers theft, vandalism, weather damage, and animal strikes. In upstate NY counties with high deer collision rates, comprehensive claims average $4,100—higher than most deductibles, making this coverage worth keeping even on older vehicles.
Uninsured Motorist Coverage
New York requires UM coverage matching your liability limits unless you reject it in writing. Protects your medical bills and lost wages if you're hit by a driver with no insurance—13% of NY drivers are uninsured as of 2023.
Low-Mileage Programs
Carriers like Nationwide and Metromile cut premiums 20-40% for drivers logging under 7,500 miles per year. Most retirees drive 6,200 miles annually—half the national average—but never ask for mileage-based pricing.
