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
Arizona requires 25/50/15 minimum liability coverage. Most retirees carry higher limits to protect home equity and retirement assets from lawsuit judgments.
Full Coverage
Includes liability, collision, and comprehensive. Retirees with paid-off vehicles often drop collision after age 10-12 to cut premiums by 30-40%.
Collision Coverage
Pays for damage to your car after an accident, minus your deductible. Optional once your loan is paid off — the decision depends on vehicle value and replacement budget.
Comprehensive Coverage
Covers theft, hail, vandalism, and animal strikes. Arizona's high hail and wildlife risk makes this worth keeping even on older vehicles in rural counties.
Uninsured Motorist Coverage
Protects you when the at-fault driver has no insurance. Arizona doesn't require it, but 12% of state drivers are uninsured — the fifth-highest rate in the U.S.
