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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
Required in nearly every state, liability covers injury and property damage you cause to others. If your vehicle is paid off, liability-only coverage can reduce premiums by 40–60% compared to full coverage while still meeting state minimums.
Comprehensive Coverage
Covers damage to your vehicle from theft, weather, vandalism, and animal strikes — not collision. For seniors with paid-off vehicles kept in a garage, comprehensive-only policies offer protection at a fraction of full coverage cost.
Medical Payments Coverage
Pays medical expenses for you and your passengers after an accident, regardless of fault. This coverage supplements Medicare, which doesn't cover auto accident injuries until other insurance is exhausted.
Uninsured Motorist Coverage
Protects you when hit by a driver with no insurance or insufficient coverage. Approximately 13% of U.S. drivers are uninsured, making this coverage particularly valuable for seniors on fixed incomes who can't absorb unexpected costs.
Full Coverage
Combines liability, collision, and comprehensive coverage — typically required if you lease or finance your vehicle. Once your car is paid off, you can evaluate whether to maintain full coverage or switch to liability-only based on your vehicle's value and your savings cushion.
