Insurance: (I know it gets asked a lot, but this is my situation)

My situation is that I will be retiring soon, I live in North Carolina, which appears to be relevant, and I'd like to drive 20-30 hours per week to earn money and stay busy. The problem is that I have a retirement nest-egg I want to protect.

State Farm tells me they can't insure me, as does Geico. I think that leaves only Progressive, which I will call soon. My concern is that I want good coverage before, during, and after my "jobs".

For drivers with a good retirement account, what are you doing to protect yourselves?