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Wording matters; a policy, after all, is a legal contract between Roberts and the insurer. What if I cause an accident that costs more than my liability limit? State Farm rates for senior drivers are often considered affordable compared to other companies. Zhaneta Gechev, a former manager at a major auto insurance company and founder of One Stop Life Insurance, an insurance site. We will do this by protecting all aspects of life and offering our service in times of need by integrating personal relationships and integrity into our business practices.