Being a single mom is tough enough without worrying about the financial strain of car insurance. However, it’s important to have car insurance to protect yourself and your family while driving. In this article, we’ll discuss how single moms can find cheap car insurance without sacrificing coverage.
Shop around for quotes
One of the best ways to find cheap car insurance as a single mom is to shop around for quotes. Different insurance companies offer different rates, so it’s important to get multiple quotes to compare. You can do this online or by calling insurance companies directly.
Consider raising your deductible
Another way to lower your car insurance premiums is to raise your deductible. Your deductible is the amount you pay out of pocket before your insurance coverage kicks in. By raising your deductible, you’re taking on more risk, but you’ll also pay less in premiums each month.
Look for discounts
There are many car insurance discounts available that can help single moms save money. For example, some insurance companies offer discounts for safe driving, bundling home and auto insurance, and being a member of certain organizations.
Choose a car with safety features
The type of car you drive can also impact your car insurance rates. Cars with safety features like anti-lock brakes, airbags, and backup cameras are generally cheaper to insure because they’re less likely to be involved in accidents.
Consider usage-based insurance
Usage-based insurance is a type of car insurance that tracks your driving habits and adjusts your premiums accordingly. This can be a good option for single moms who don’t drive as much as other drivers, as you could save money by only paying for the miles you drive.
Take a defensive driving course
Some insurance companies offer discounts for completing a defensive driving course. These courses teach you how to be a safer driver, which can lower your risk of accidents and thus lower your car insurance premiums.
Consider a higher liability limit
Liability coverage is the part of your car insurance policy that pays for damages or injuries you cause to others in an accident. By raising your liability limit, you’re increasing your coverage, which can give you greater peace of mind. However, this may also increase your premiums.
Bundle your insurance policies
If you have other insurance policies, such as home or renters insurance, you can often save money by bundling them with your car insurance. Many insurance companies offer discounts for bundling multiple policies together.
Choose a higher credit score
Your credit score can also impact your car insurance rates. Drivers with higher credit scores are generally seen as less risky to insure, and thus may pay less in premiums. If your credit score is low, you may want to work on improving it before shopping for car insurance.
Consider pay-as-you-go insurance
Pay-as-you-go insurance is a type of car insurance where you only pay for the miles you drive. This can be a good option for single moms who don’t drive as much as other drivers, as you could save money by only paying for the miles you drive.
Choose a car with a lower theft rate
Cars with a high theft rate are generally more expensive to insure. By choosing a car with a lower theft rate, you can lower your car insurance premiums.
Consider a usage-based insurance app
Some insurance companies offer usage-based insurance through a mobile app. These apps track your driving habits and adjust your premiums accordingly. This can be a good option for single moms who don’t drive as much as other drivers, as you could save money by only paying for the miles you drive.
Choose a higher deductible
As mentioned earlier, raising your deductible is a good way to lower your car insurance premiums. However, you should only choose a deductible that you can afford in the event of an accident.
Consider a telematics device
Telematics devices are small devices that you can install in your car to track your driving habits. This can be a good option for single moms who don’t drive as much as other drivers, as you could save money by only paying for the miles you drive.
Choose a car with a lower repair cost
The cost of repairing your car can impact your car insurance rates. Cars with lower repair costs are generally cheaper to insure. You can research the repair costs of different cars online before making a purchase.
Consider a usage-based insurance program
Usage-based insurance programs are similar to usage-based insurance apps and devices, but they may offer more comprehensive coverage. These programs track your driving habits and adjust your premiums accordingly, which can be a good option for single moms who don’t drive as much as other drivers.
Choose a car with a lower horsepower
Cars with higher horsepower are generally more expensive to insure. By choosing a car with a lower horsepower, you can lower your car insurance premiums.
Consider a multi-car policy
If you have more than one car, you can often save money by insuring them all under the same policy. Many insurance companies offer discounts for multi-car policies.
Choose a car with a lower MSRP
The MSRP, or manufacturer’s suggested retail price, of your car can also impact your car insurance rates. Cars with a lower MSRP are generally cheaper to insure. You can research the MSRP of different cars online before making a purchase.
Consider a usage-based insurance program
Usage-based insurance programs are similar to usage-based insurance apps and devices, but they may offer more comprehensive coverage. These programs track your driving habits and adjust your premiums accordingly, which can be a good option for single moms who don’t drive as much as other drivers.
Choose a car with a lower risk of damage
The type of car you drive can impact your risk of damage in an accident. Cars with a lower risk of damage are generally cheaper to insure. You can research the risk of damage of different cars online before making a purchase.
Consider a usage-based insurance program
Usage-based insurance programs are similar to usage-based insurance apps and devices, but they may offer more comprehensive coverage. These programs track your driving habits and adjust your premiums accordingly, which can be a good option for single moms who don’t drive as much as other drivers.
Choose a car with a lower risk of theft
The type of car you drive can also impact your risk of theft. Cars with a lower risk of theft are generally cheaper to insure. You can research the risk of theft of different cars online before making a purchase.
Consider a usage-based insurance program
Usage-based insurance programs are similar to usage-based insurance apps and devices, but they may offer more comprehensive coverage. These programs track your driving habits and adjust your premiums accordingly, which can be a good option for single moms who don’t drive as much as other drivers.
Choose a car with a lower risk of accidents
The type of car you drive can also impact your risk of accidents. Cars with a lower risk of accidents are generally cheaper to insure. You can research the risk of accidents of different cars online before making a purchase.
Consider a usage-based insurance program
Usage-based insurance programs are similar to usage-based insurance apps and devices, but they may offer more comprehensive coverage. These programs track your driving habits and adjust your premiums accordingly, which can be a good option for single moms who don’t drive as much as other drivers.
Choose a car with a lower risk of bodily injury
The type of car you drive can also impact your risk of bodily injury in an accident. Cars with a lower risk of bodily injury are generally cheaper to insure. You can research the risk of bodily injury of different cars online before making a purchase.
Consider a usage-based insurance program
Usage-based insurance programs are similar to usage-based insurance apps and devices, but they may offer more comprehensive coverage. These programs track your driving habits and adjust your premiums accordingly, which can be a good option for single moms who don’t drive as much as other drivers.
Choose a car with a lower risk of property damage
The type of car you drive can also impact your risk of property damage in an accident. Cars with a lower risk of property damage are generally cheaper to insure. You can research the risk of property damage of different cars online before making a purchase.
Consider a usage-based insurance program
Usage-based insurance programs are similar to usage-based insurance apps and devices, but they may offer more comprehensive coverage. These programs track your driving habits and adjust your premiums accordingly, which can be a good option for single moms who don’t drive as much as other drivers.
Choose a car with a lower risk of fire damage
The type of car you drive can also impact your risk of fire damage in an accident. Cars with a lower risk of fire damage are generally cheaper to insure. You can research the risk of fire damage of different cars online before making a purchase.
Consider a usage-based insurance program
Usage-based insurance programs are similar to usage-based insurance apps and devices, but they may offer more comprehensive coverage. These programs track your driving habits and adjust your premiums accordingly, which can be a good option for single moms who don’t drive as much as other drivers.
Choose a car with a lower risk of vandalism
