6 Cheap Auto Insurance Tips for Stay-at-Home Parents

A stay-at-home parent’s life is demanding, especially if you have toddlers. If you are the only parent, things can get even more hectic. 

Besides doing house chores, you have to get groceries, drop kids to school, handle medical emergencies, visit parks and clubs, and run other errands using your car. Unfortunately, having a car comes with extra financial responsibilities, such as carrying auto insurance at all times. 

If you are a stay-at-home parent on the market for insurance coverage for your vehicle, here are six tips to help you find cheap auto insurance. 

1. Compare Car Insurance Rates

A significant increase in the yearly price of your coverage might be a reason enough to take your business elsewhere. When looking for an auto insurer, shopping around and getting car insurance quotes from online platforms like CheapInsurance.com can help you spot who has the best deal. 

While at it, remember that the cheapest option is not necessarily the best, so you should look at the insurer’s creditworthiness. Carrying out sufficient due diligence will help you avoid well-branded insurers with no financial capability to honor your claim in case of an accident.

2. Don’t Miss Out on Multi-Car Rebates

One of the most important facts about auto insurance is that the cost of insuring a single car may be greater than that of insuring many drivers or vehicles with the same insurance provider. 

In other words, you may qualify for discounts and group pricing if you buy insurance policies for several cars in your household from the same company. In other instances, pairing policies such as homeowner’s insurance with auto insurance or auto insurance with renter’s insurance can help you win policy discounts. 

3. Install Security Devices

Security devices such as car trackers, alarms, and electronic immobilizers (cut-outs) are common anti theft devices used in vehicles. 

Besides helping reduce the chances of losing your car to thieves, these devices can help you qualify for lower premiums and ensure that you get the maximum amount of compensation if you lose your car to thieves. Therefore, be sure to install anti theft devices and notify your insurer about it to learn whether you are eligible for any discounts. 

4. Consider a Pay-As-You-Go Insurance Policy

As a stay-at-home parent, switching to a usage-based insurance program is the best option, especially if you are a good, low-mileage driver. When you sign up for this program, your insurance company will install a telemetric device in your car to monitor your driving. 

As a result, you will get prospective savings depending on how many miles you drive and how well you drive. If you drive less than 10,000 miles in a year, you can save a lot of money with this sort of arrangement.

5. Drive with Caution at All Times

With today’s increased distractions on the road, it is important to always drive carefully to avoid accidents. Having many driving offenses will usually result in accruing more points, which may raise one’s insurance costs. 

Therefore, drive with caution to ensure you have fewer accidents and moving infractions so that you can enjoy lower insurance premiums. Depending on your driving history, some insurance companies may provide a 10% to 25% discount for safe drivers. 

6. Enroll in a Driving Safety Course

Insurance companies sometimes offer discounts to people who complete an approved defensive driving course. Taking an accident prevention course may also lower the number of points on a driver’s license.

Before registering for a course, be careful to inquire about the possibility of receiving a discount from your agent or insurance provider. 

Even when the course may not result in substantial insurance savings, be sure to check out regulations for authorized defensive driving classes in your state and ensure the course you enroll in is accredited.