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Car insurance hacks every mom should know
Life hacks have become very valuable, helping us to do everything from fixing everyday items to getting gum out of hair. However, these hacks aren’t limited to household items. You can use hacks to get lower insurance premiums as well, and this post will show you how.
These hacks are invaluable for moms because their cars tend to experience more abuse. We’ll also share some hacks for keeping your car in good physical condition at the end of this article. Be sure to read till the end.
Shopping around gives you more leverage
Reviewing policies from multiple insurers is an excellent idea for many reasons. For instance, if you’re shopping for car insurance Georgia, checking various providers can help you discover better rates, more discounts, or even lower deductibles. Even if you don’t buy the policy, you can use the information to leverage a better deal with your insurance provider.
When you finally purchase some insurance, check industry rates regularly, say once in six months. Insurance providers are highly competitive, and they are always adjusting their rates. Plus, you may be eligible for discounts on multi-car insurance and safe driving. You’ll never know until you look around.
Always document everything
Being a mom is one of the most challenging jobs on the planet. You almost need eyes in the back of your head because of all the things that need your attention. You need to keep an eye on your kids, what they eat, what they do, and even how they play.
It’s easy to get distracted or forgetful, which is why you need to document things as they happen to your car. If you feel a slight bump while driving, it’s best to stop the car and check it out. Another driver may have given you a fender bender that’s difficult to explain to the insurance company after the fact. Detailed records can help you claim your policy much faster. Remember that a Tampa car accident lawyer(or one nearer where you live) is always on hand to help. They will support you in gathering the evidence, and putting forward your case to get any compensation you deserve.
Pay attention to your credit score
You probably already know that your credit score affects everything from interest rates to credit limits. But your credit score can affect your car insurance premiums as well. Like other organizations, your insurer will use it to determine your ability to pay premiums and care for your car. In short, the better your credit score, the lower your premiums.
Having kids can give way to unexpected expenses that may lead to maxing out your credit card. However, try to avoid this if you can because it’ll only lead to more fees for you in the long run. You can try buying items in bulk to get discounts and save some money.
The ‘soccer’ mom cliche isn’t a bad thing
The cliche here refers to moms that own large minivans to carpool and get their kids to soccer practise. Until recently, minivans weren’t aesthetic at all. They were large vehicles that held function over form. But now, manufacturers like Toyota and Honda are switching the game.
But regardless of the aesthetics, a minivan can earn you lower insurance premiums. IF it’s in a low insurance group – costs less to maintain, smaller engine – you’ll get better rates. The insurance company will simply match your repair costs with your premiums. So drive a minivan, it’ll save you some cash.
Consider going back to driving school
Taking more driving courses is an excellent way to lower your premiums. Insurance companies charge you premiums based on how likely they think you are to get in an accident. If you can prove your skill by taking additional courses, you’ll be an expert driver and pay lower premiums.
These courses can also teach you practical skills like driving in all types of weather, driving at night, and even driving on motorways. Plus, you’ll learn how to stay focused while getting unavoidably distracted, which is something all moms need!
Use secret rewards
Insurance companies offer discounts, promos and other favorable offers to draw in new customers. But you can also use them as an existing customer. One of these is the cash-back offer. When you purchase on some websites, your insurer may offer promotions for your spending.
Another angle is to look for coupons. These are typically advertised as part of the insurer’s campaign. They offer discount codes with specific policy purchases. While challenging to find, these coupons can be advantageous for you, especially if you’re trying to save some money. Your policy provider won’t make it easy for you. But if you look well, you’ll find them.
Car hacks for everyday use
But now, you must have a decent understanding of how to hack your car insurance for better rates. You can visit https://www.moneyexpert.com/car-insurance/ to learn more about car insurance in general.
Now, we’re going to switch pace and talk about hacks you can use to take care of your car. Depending on your policy, insurance only covers damages from collisions, accidents and similar occurrences. It doesn’t do anything for minor damages that occur from regular use. But these hacks can undoubtedly help you.
Use nail polish to repair chips and scratches
Scratches on a car’s paint job can be infuriating. You don’t want to take it into the shop for fear of an exorbitant fee. You may not even have the time! Instead of stressing about this minor ding, use nail polish. Because there are so many shades, you can easily find one that matches your car color.
Use tinted plastic sheets for shade
We have pilots to thank for this hack. They use tinted plastic to block out glare from the sun while flying – we all know how dangerous those can be. You can do the same too. All you need is to identify the location of the glare and stick some plastic. It’s much more effective than the pull-down shade that only covers a small part of the windshield.
Use a plunger to fix dents
This hack is funny because mechanics use the same technique to fix dents. Instead of paying someone to do it, grab a plunger and do it yourself! The technique works best for small dents along relatively flat surfaces, like the side of your car. If the plunger can’t cover the whole dent, or if it’s in a curved area, you’ll need to visit the shop.
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