Your auto insurance and having a new baby don't necessarily go hand-in-hand. However, when you have a new baby, some driving habits can change that you will want your auto insurance company to be aware of since these changes can possibly lower your premium. Lowering your premium when you have a new baby is extremely helpful since you are likely going to see a huge increase in the amount of money you spend on groceries and other household needs once your newborn is brought into your life. Here are three things to look into changing with your auto insurance:
Base Premium on Driving Habits
When you sign up for auto insurance, you typically have two options, which is to base your premium off of a general rate or to have a device installed in your vehicle that tracks your driving habits. Since you are likely to start driving more cautiously and slowly when you have a new baby, tracking your driving habits with the device installed by your auto insurance company is likely going to be cheaper. Your insurance company will see that you drive the speed limit, come to a stop slowly, and more. This puts them at less of a risk because you aren't likely to be involved in an accident so, in turn, they will lower your premium.
Driving for Domestic Purposes
After having a baby, you are likely to go on maternity leave, which means you are driving much less because you won't have to commute every day. Be sure to let your insurance company know that you are now driving for domestic purposes only instead of commuting. This also puts your insurance company at less of a risk because there is a much lower chance you are going to be involved in an accident if you are not on the road very often. This also means that your premium can possibly be lowered.
Check for Coverage for the Car Seat
If you are involved in a car accident, you want to ensure that the car seat is replaced even if it doesn't appear to be damaged. This is because car seats are sensitive and there could be a small part of it that was damaged in the accident that can affect how safe it is for your baby. Talk to your insurance company to ensure that the car seat will be replaced by them in the event of an accident.
When you know these three things to change with your auto insurance after having a baby, you can be sure that you save money and adjust your policy to suit your new lifestyle change. For more information, talk to a professional like AALL Insurance.