When you’re a mom, having your eye on money-saving endeavors is one of the most responsible things you can do as a parent. Vehicle insurance is often one of the more frustrating, high-cost bills families deal with month to month, but thankfully, there are plenty of ways for moms to save money on vehicle insurance. The sheer amount of accessible, amazing money-saving efforts that can keep your insurance rates low are incredible, so you owe yourself to look into them. To get you started, here are five money-saving vehicle insurance tips for moms: 

1. Take a Defensive Driving Course

Defensive driving courses are one of the best investments any driver can make. Not only will they help you develop new habits that will keep you hyper-safe on the road, but they can be used to help you lower your insurance rates as well. The skills you’ll gain will keep you from accidents and other costly dents and scratches. In addition to this, there are many insurance agencies that will offer perks and discounts to drivers who voluntarily take defensive driving courses. 

2. Maintain a Strong Credit Score

By having a strong credit score, you unlock a ton of amazing money-saving features and perks in your life. Not only will you have more capital to make investments, but you’ll save money on daily needs like vehicle insurance as well. There’s few things that can show how responsible you are as both a parent and a person than maintaining a rock-solid credit score, so prioritizing this step is crucial. After all, having a rockstar credit score can keep you ready to make investments in your children that will pay off many, many times throughout their lives, so you owe this to them as a parent. By simply keeping a healthy credit, paying bills on time, and avoiding debt collections, you’ll be living a happy life with a heavy bank account in no time. 

3. Search Out Affinity, Club, or Profession Discounts

There are all sorts of lesser-known, amazing discounts that families are eligible for when it comes to their insurance policies. While they might not be as aggressively advertised by insurance agencies, they are very real, and can help you save tons of money throughout the new year. If you or a family member are members of any clubs or associations, you might qualify for plenty of deals and discounts with your insurance provider. The sheer amount of clubs and organizations that are eligible for these types of deals is hard to believe, so make sure you take the time to research whether you can take advantage of this amazing money-saving effort. 

4. Keep Your Driving Record Squeaky Clean

While it may seem simple enough, the amount of stress you should place on simply driving as safely as possible cannot be overstated. The cleaner your driving record is, the lower your initial premiums will be when you go to get vehicle insurance. Beyond this, you’ll be eligible for even better insurance rates and perks if you maintain a squeaky-clean record year after year. Since you’ll be driving with your children everyday, you’ll already be driving as safe as humanly possible, so this is a built-in way to keep your insurance rates low and your family safe throughout the new year. The role model you’ll provide for other drivers, and for your children as they prepare to get on the road, will prove invaluable as well. 

5. Multi-Vehicle Discounts

Families that live together, save together. If you have driving-age teens living in your home, finding the most affordable car insurance possible for them is essential. By bundling your insurance rates with theirs, and those of your partner, you’ll have the opportunity to take care of multi-vehicle discounts that can save you an absurd amount of money. While some parents avoid this due to worries about their teens inadvertently getting into an accident that will raise their rates, simply decoupling their insurance from yours in that case can provide a useful solution. After all, it’s worth giving your children a shot to prove their safe, responsible driving when they first get on the road (and save a buck on your monthly bills in the meantime). 

Moms Deserve to Save Money

As a hard-working parent, you deserve to save a buck whenever you can. With these five tips, you can begin researching all the amazing ways you can lower your insurance rates, so you can put that hard-earned money into activities for yourself and your children instead. Thankfully, each of these five money-saving tips will be available for the majority of those with vehicle insurance, so get to researching them as soon as you can.