Stay At Home Mum

Car Insurance Savings For Stay At Home Mothers Available

As a stay at home mother, the official title of “mum” is an endearment that includes a hefty job description.  In these tight economic times, that job description has likely been expanded to include finding new ways to stretch the household budget.  One way to find extra room in your budget is by re-examining your car insurance cover.

Most car insurance cover is issued on a standardized basis.  Consumers have indicated they want fast, easy car insurance quotations.  In their quest to give customers what they want, car insurance companies  base their quotes on assumed driving and parking habits that don’t always reflect the true risk   As a result, many Australians, and especially Stay At Home Mums, may be paying too much for their car insurance cover.

To be perfectly frank, the driving habits of a corporate warrior are nothing like those of a mother.  Office workers are driving in peak traffic hours every day, some long distances, and parking in less than perfectly secure inner-city car parks.  Stay at home mums are driving in off peak hours, running short errands, and parking at home or in spacious suburban zones.

The contrast between the two risk profiles is obvious, so it’s a bit of a shame that insurance premiums are charged the same for both.  All too often, due to the assumptions made by insurance companies eager to offer a quick quote, the offered rates are not reflective of the real risk levels.  This pricing formula is an area of opportunity for stay at home mums looking to save money.

There is new insurance technology out that offers a more in-depth car insurance quotation process.  It’s an automated process that includes a few more questions about you, your lifestyle and your driving habits.  Thanks to the speed of the technology, you can still get a quote online in practically no time, even though you will be answering a few more questions about yourself.

The result will be a premium that accurately reflects the real risk profile of a stay at home mum.  This is usually a noticeably lower car insurance premium than that being paid by a corporate warrior.  After all, since most of the driving being done by a stay at home mum consists of short trips to playgroups, the supermarket, or the store, they shouldn’t be paying the same rates as someone commuting long distances to work each day.

The distance driven isn’t the only factor that will lower insurance costs.  Mums tend to drive in suburban areas and planned community zones, avoiding risky highway and inner-city driving.  The car also spends more of its time parked safely at home, which usually is an area with a reduced risk of hit-and-run accidents or break-ins that corporate types may face in their unmonitored car parks.

So, by looking for a way to provide additional detail about your driving and parking habits, you may lower your insurance premium through more tailor made risk-based premium pricing.  It’s something a little different and a bit more inquisitive than the usual process, but the savings are real.  This is a painless way to ensure you are only paying for how you use your car, which may give you more money to spend on other, more important items for your family.

About the Author

Youi offers tailor-made car insurance that could save you lots of money. At Youi we ask the right questions so that you don’t pay for car insurance you don’t need. You interested? Go to youi.com.au for a smarter way of doing Car Insurance Quotes.

Stay at Home Mom; Why I’m a Team Beachbody Coach

Mom’s Ultimate Family Organizer: A One-Stop Planner for Busy Moms $14.15 This comprehensive one-stop organizer is an essential tool for the busiest person of them all – Mom! Inside the sturdy binder is a system for managing motherhood: calendar pages to keep track of family member’s schedules directory pages to locate everyone from the teacher to the carpet cleaner and planning pages for birthday parties or the family vacation. Helpful sticky notes and tear-out lists m…

The Balanced Mom: Raising Your Kids Without Losing Your Self $0.95 Taking Care of You Is Not Just Okay-It’s Essential Does being a mother mean that you have to give up your self? Of course it doesn’t. You can be a great mom and still have a life of your own. In fact, your kids will only benefit from seeing you as whole person and will develop greater independence and a stronger sense of who they are as people. If you’re ready to rediscover your self, The Balance…

What Happy Working Mothers Know: How New Findings in Positive Psychology Can Lead to a Healthy and Happy Work/Life Balance $1.65 A fact-based and proven approach to help working mothers rediscover happiness as they balance their duties at home and workScience and sociology have made great strides in understanding what makes us happy and how we achieve it. For working mothers who face endless demands on their time and attention, What Happy Working Mothers Know provides scientifically proven and practical ways to find the rig…