There is no doubt that time and money both are precious for single mothers. Apart from handling everything solely, single mothers are more committed to their children and don’t let anything to hamper their small world. So, when it comes to finding an auto insurance policy, they always look for the one that can help them in saving money. In this case, choosing single parents auto insurance at an affordable price becomes important for them.

Being a single mom, you are solely responsible for many lives and assets. When you are driving a car without the appropriate auto insurance coverage, it means you are likely to face legal consequences, which of course, you will never want to experience.

So, here we have gathered some important things that every single mother should be aware of so that you can make the best deal when buying single mother auto insurance.

Types of coverage included in the Single mom auto insurance

You must know that several types of coverage are included in your car insurance policy, and each coverage plays its own role in covering different situations. These include:

Liability Coverage

It covers the damage or injury caused to another person and also covers the property damage to another person’s vehicle. This type of coverage does not cover any damage or injury to you.

Comprehensive and Collision Coverage

This type of coverage is optional in many states, but you can choose them if your car is financed or on lease. This coverage is important if you are not able to exchange your car if it damages or if anything happens to it.

Uninsured or underinsured driver

If you do not follow the car insurance laws, you may face many problems, especially if you met with an accident with another person at fault. This type of coverage will help you pay the expenses if you meet with an accident with a driver who is not insured or if his/her insurance coverage is exhausted. In some states, this type of coverage is legally compulsory to be added to the auto insurance policy.

PIP (Personal Injury Protection)

This coverage type covers medical expenses and lost wages, while in some cases, it also covers the need for housekeeping, childcare and other domestic help when you get injured in an accident.

GAP coverage

For those who are driving a leased vehicle, you must purchase GAP coverage as it will pay the amount between your loan/lease and your car value decided by your insurer if it is calculated for the damages.

Rental car coverage

This coverage helps in paying your rental car expenses when your car is damaged and being repaired. The car being the only transportation for your kids, this coverage is quite beneficial to deal with such situations.

How to decrease your insurance premium?

You can save money on the premiums of the single mother’s car insurance policy with these things.

• Increasing your deductibles works great in lowering the premium.
• It would be good to drop certain coverage which is not required.
• Don’t hesitate to ask your insurer about discounts you are eligible for.

Alias Insurance very well understands that being a single mother is a great challenge and full of responsibilities, so we can help you in decreasing your financial issues by finding the best and cheap car insurance policy for you Read more