Cars and car insurance may sound like a technical part of life that a busy mom feels she cannot handle on top of other parenting responsibilities. This doesn’t have to be the case, as with a few key things in mind, it becomes easier to navigate this field. Here are four such things that every mom should know about their car and car insurance for an easier time.
1. Regular Car Maintenance Is Mandatory
The average passenger vehicle needs between four and 17 quarts, which is 3.8 to 16 liters of transmission fluid to fill optimally. Details like these are what will be evaluated on your regular maintenance services, and this is why it’s important to follow a schedule for servicing your car. The right period of time is different for different cars, with some measuring the time in terms of weeks and others measuring it in terms of miles driven. When you take care of your car, you may experience fewer breakdowns and costly repairs as it will be running optimally.
2. Consider Adding Your Teen Driver to Your Insurance
If you have a teenager at home, they likely can’t wait to get independence behind the wheel. It’s important to set them off on the right path from the start by ensuring that they are safe with good insurance coverage. You don’t necessarily have to get them their own coverage, either, but you can add them to yours. This will be more affordable for you and is advice that your car insurance agent should share with you. Keep in mind that in order for this to work, the car should be registered in your name and not theirs. As long as they drive a family car and live in the same home, they will be eligible. Find out from your provider if they can offer some exceptions. For example, if your teenager goes to college a distance away from your home and lives on campus.
3. Ask Your Agent to Clarify Common Insurance Terms
To make sure that you’re well aware of everything that happens with your coverage and policy in general, you should be knowledgeable of the terms that insurance companies use. Speak with your agent and ask them to clarify any terms that you don’t understand for you. When you know these terms, you may be better placed to ask for discounts, for example, and get better outcomes. Up to 65% of homeowners, according to Bankrate, take advantage of carrier discounts to save on premiums by bundling home insurance with other policies. When you know the terms used in such instances, you may have an easier time asking for relevant discounts and offers.
4. Keep a List of Important Numbers At Hand
Finally, since nothing is promised while you’re out on the road, you should have some helpful numbers to reach in case of an emergency. From towing services and police assistance to your insurance agent’s number, you need to be able to quickly get the assistance you need if you’re involved in an accident. Since 34% of Americans say that they would make use of roadside assistance if they were locked out of their car or had a flat tire, it’s clear that this percentage of the population knows the benefits of keeping emergency numbers with them. Keep them on a note in your car and also save them on your phone on speed dial in case you ever need them, and share this tip with your entire family.
When you keep these four things in mind at all times, it may be a lot easier for you to stay safe while driving. This will extend to your entire family, and you will have scored a few parenting points for yourself while at it!