Retirement changes your driving profile – fewer commute miles, more daytime driving, often a paid-off vehicle. Each of those translates to lower premium if you ask.
Discounts to ask for
- Low mileage / pleasure use
- Mature driver (completed approved defensive driving course)
- Multi-policy with homeowners
- Paid-in-full discount
Drop unnecessary coverage
Rental reimbursement and roadside may not be needed if you have a second vehicle and auto club membership.
Frequently asked questions
What's a mature driver discount?
A discount for drivers 55+ who complete an approved defensive driving course.
Should retirees raise or lower limits?
Usually maintain or raise – retirement assets need protection.
More in Life Events
This guide is part of our Life Events hub – see every related guide, or start from the El Paso auto insurance overview.
This article is for general information only and is not legal or tax advice. For guidance specific to your situation, talk to a licensed Texas insurance agent. Ready to put it into practice? Get a free quote or request a policy review.