Detailed Information Cheap Car Insurance for Single Moms
It may seem biased but due to the difficult circumstances, there are few special cheap car insurance for single moms. It can become very cost-extensive for single mothers who have to strike a balance between professional and personal lives.
There is cheap car insurance for single moms that can help them save money. ‘Personal Injury Protection’ is one that covers the costs borne on medical reasons by the party that is at fault and the person, occupying the damaged car at the time of the accident. This coverage includes recovery expenses, hospitalization and even funeral expenses in case either of the parties dies in a case on accident.
‘Liability Coverage’ is another kind, which is mandatory in America; it pays the compensation payable to third parties for causing them some damages when you are at fault. It includes compensation payable for damages to the third party cars along with payment for physical injuries. There is ‘Roadside Service’ availed in case of roadside emergency assistance at any time but it is not mandatory. ‘Rental Car Reimbursement’ helps you reimburse the costs that you will incur for hiring a car when your personal car is at the service station for restoration.
Next is ‘Collision Coverage’ that covers the costs for repairing damages caused due to collision. In case you have opted for an At-fault liability scheme, the benefit will protect the third-party and not you. There is also ‘Free Towing’, which can get your car towed to the closest service station without having to pay for it upfront.
This cheap car insurance for single moms can help reduce expenditure in case of car accidents. It may seem discriminatory but single moms can get concessions if they incur higher rates of insurance premium on different grounds of eligibility. First up is ‘Mileage Discount’ when the insurance companies offer discounts to drivers who drive to a lesser extent than usual.
The trick to be eligible for this is by arranging carpools and walking on trips of shorter distances. If you belong to a special interest group or a union then you are eligible for ‘Group Concession’ where you get discounts at the rate of the insurance premium. If there is no car accident record in your name for three years, you can get a discount under the ‘Safe Driving Scheme’. Along with this, single moms can also take courses for defensive driving which will allow you for more discounts under the same scheme.
There is ‘Family Policy Concession’ in case your child has attained the legal age to drive and you require coverage for them. This can help you incur savings by adding your child to the existing car insurance policy you hold. Usually, the younger drivers can help in reducing the rates on insurance premium irrespective of it being a single policy or a bundled policy by just retaining extraordinary marks or undergoing a course for driver education.
It is not difficult at all for single moms to get discounts when it comes to car insurance!
