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
Ohio requires $25,000 per person and $50,000 per accident in bodily injury liability, plus $25,000 property damage. This is the minimum legal coverage to register a vehicle in the state.
Full Coverage
Bundles liability, collision, and comprehensive in one policy. Most retirees with paid-off vehicles drop this after the loan clears, keeping only liability and comprehensive for theft or weather damage.
Collision Coverage
Pays for damage to your vehicle after an accident, minus your deductible. If your car is worth less than 10 times the annual premium, most financial advisors recommend dropping it.
Comprehensive Coverage
Covers theft, vandalism, hail, and animal strikes—risks unrelated to driving. Ohio retirees often keep this even after dropping collision, especially in rural counties with high deer-strike rates.
