Vaginal dryness may be affecting you, and obviously you can feel if you have dryness, so like others recommended, using some good lubricant can be helpful.
However, I have had thinning of the vaginal tissue. It can come with age or changes in hormones or both. Thankfully it is an easy fix. My doctor gave me some vaginal estrogen cream. At first I used it daily for two weeks and now only ever 4 days or so. It helps rebuild the tissue so that it becomes thicker, more like how it was when I was younger and before children. Now I do not experience any irritation or bleeding. I still have some dryness, and sometimes we use lube and that helps.