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It’s difficult to be a single parent. Time usually isn’t on your side, and sometimes money can be an issue. It can be difficult juggling work, spending time with your child, and going to football games. Sometimes you might find yourself stretched a bit thin. So, when looking at your car insurance policy, you ask yourself, “Does my insurance company give a discount for being a single parent?”
Unfortunately the answer is usually no, but there are many discounts that you are eligible for that you might not be taking advantage of. If your child is old enough to drive and they maintain a 3.0 gpa or above in school, they might qualify for a discount. If you have more than one car on your account, there’s another discount. You might also be eligible for discounts based on your car’s safety features or for simply being a homeowner.
Just be sure to ask your insurance company about their incentives and offers. In certain cases, you might be eligible for a discount, but unless you ask about it they won’t give it to you.
In addition to the above, there are other tangible discounts you can get.
Take a good hard look at your policy. Do you see anything in there that you’re currently not using? Get rid of it. This results in instant savings. Perhaps you need more coverage; make any changes necessary that make sense for you and your budget. Just make sure that what you have is what you need.
If you’re thinking of obtaining insurance with a new company, the key is to shop around. Don’t stay with the first quote that you’re given. Usually the rule of thumb is to get at least one quote from three different companies, so that you can compare and contrast.
As mentioned before, be sure to inquire about discounts. Tell them about your car’s excellent safety ratings or the car alarm you just had installed. Talk to them about how your child is doing well in school, and ask about the good grades discount.
Be responsible about making timely payments. While this won’t net you a discount, it is important so that they don’t interrupt service. In fact, if you pay your insurance in one lump sum, as opposed to monthly installments, you could be eligible for a sizable discount. Just make sure to find an insurance company that can take care of your needs.