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The Fashionable Housewife

The Fashionable Housewife

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3 Must-Knows About About Car Insurance And How To Find The Right Policy

Modified on February 26, 2022 at 4:16 PM

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No matter what kind of vehicle you own, car insurance is a must-have. Even if you live in a state where it isn’t legally required by law (Virginia and New Hampshire), it’s never a good idea to go without it. 

Accidents are called that for a reason and you never know when you’ll find yourself in one. Car insurance also protects you from the financial damages incurred by natural disasters and non-accident-related incidents, such as theft. So, whether you’re toting your family around in a minivan or looking to invest in an electric car, here are a few things you should know about finding the right insurance policy

  • What’s Required In Your State?

While most states have similar requirements for auto insurance, it’s still a good idea to understand the laws of your state. Information is readily available on the internet but an agent will be better able to help you tailor your needs. 

For example, depending on if your car is new or used, there will be a difference in coverage required. Liability might be enough or you might need full coverage. What about an excess medical payment add-on? There are many “extra” insurance safety nets so make sure you start with what’s going to keep you out of trouble should you end up in a fender-bender. 

  • What Impacts Your Rate?

Do you have a pristine driving record, or are you a speed racer? Got a teenager about to become licensed? What kind of car do you have? 

Insurance companies are more than happy to take your money, but you need to know how everything impacts your final rate. Everything on your driving record, speeding tickets, accident history, etc., will impact how much you pay for insurance. Premiums also fluctuate based on where you live and the type of car you’re driving, so keep that in mind, too. 

One more thing, pricing is constantly changing so it doesn’t hurt to have your policy reviewed every so often to see if you can get a cheaper rate with your current company. 

  • What Are Your Options?

There’s only one way to find that out and it’s to shop around. There’s no shortage of online car insurance comparison tools at your disposal, so take advantage of them and request a few quotes. 

While getting quotes, be sure to take advantage of discounts. Things like being a safe driver, having a ton of safety features in your vehicle, and bundling services will save you money on your monthly premiums. Keep in mind some companies will match quotes, too. So if you find a great quote but the company doesn’t serve your area, don’t be afraid to take that information to someone who does. 

  • How Will You Know Which Policy Is Right?

Once you’ve learned the requirements, impacts, and options that meet your needs, you’ll be ready to make a selection. Almost every company offers the same services, and each policy is unique to the driver, but not all companies offer the same customer service experience. 

Did you talk with an online agent? How did the agent make you feel? What about customer feedback and reviews? Do their current customers have good things to say? All of these things should weigh into your final decision. 

Other Things To Consider

While it isn’t completely related to finding car insurance, insurance rates are directly impacted by how safe your vehicle is. If you’re a first time car buyer, using your new car to haul around precious cargo, your children, you’ll want a few key features in any vehicle you own. These features will decrease your insurance rate and increase its resale value while keeping your family as safe as possible. It’s a win-win

  • Airbags, Airbags, and More Airbags

Airbags are tied with seatbelts as the most important life-saving safety feature a vehicle can have. Don’t just settle for the standard front airbags when it comes to your family. You’ll want a vehicle with side-impact and curtain airbags, too. 

  • Electronic Stability Control

ESC is credited with increasing your chances of surviving a fatal accident by 49%! It’s a fancy system that allows your vehicle to make maneuvers on your behalf. If you hit a patch of black ice or need to make a sharp correction to avoid a collision, this feature will basically take the wheel for you. It’s the next best thing to Jesus. 

  • Crash Test Dummies…I mean ratings

Since keeping your kiddos safe is a top priority, you’re going to want a vehicle that feels the same. Anything less than “good” according to the IIHS (that’s fancy code for the Insurance Institute for Highway Safety) isn’t going to cut it. 

There you have it. The Ins and Outs of selecting car insurance and a plug for safety. Because that ranks right up there with saving money on the priority ladder, am I right? 

Related posts:

How To Find the Best Home InsuranceHow To Find the Best Home Insurance

Posted By The Fashionable Housewife
on February 24, 2022 at 4:12 PM
Filed Under: Home Life
Tagged With: car insurance, car safety, insurance

About The Fashionable Housewife

Sarah-Jean Ballard is the Editor in Chief of The Fashionable Housewife blog and Founder of Fashionable Media. Married to a sexy Molecular Biologist, housewife, mom to 5, homeschooler, Certified Personal Nutritionist and entrepreneur who's mission is to help moms just like you look and feel GREAT! Other interests include dancing, yoga, positive intactivism, natural birth and breastfeeding support, babywearing, paleo & gluten-free cooking, and promoting an overall healthy lifestyle to all.

Disclaimer

The Fashionable Housewife is a participant in the Amazon Services LLC Associates Program, an affiliate advertising program designed to provide a means for blogs and websites to earn advertising fees by advertising and linking to Amazon.com. We also participate in various other affiliate programs, and we sometimes get a commission on purchases made through our links. There is no extra cost to you! For more info, please see our Disclosure & Privacy Policy.

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Sarah-Jean Ballard

Hi! I’m Sarah-Jean. I’m a Christian, the wife of a handsome Molecular Biologist, and the homeschooling mother of 5 beautiful kids!

I enjoy homesteading, reading, writing, cooking, baking, crafting, home decorating, Xtend Barre, and of course, fashion!

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𝕊𝕒𝕣𝕒𝕙 | Fashionable Homemaker & Mom of 5
Looking at pictures of my last birth makes me grie Looking at pictures of my last birth makes me grieve my baby in Heaven that I just lost a few weeks ago. 

Knowing all the firsts we won’t be getting. All the newborn snuggles, that new baby smell, the joy of breastfeeding, it’s all gone. Slipped through my fingers in a moment, for no reason. 

No one thinks it will ever happen to them. Nothing prepares you for the loss of your child and no one can fully understand and appreciate the intense level of grief and pain until it happens to you. And if you do not understand this kind of grief, consider yourself very, very blessed and fortunate. 

Sometimes being open to life, also means being open to loss. 💔

#miscarriage #miscarriagesupport #miscarriageawareness #lossmom
READ this post before you LIKE it. 💔💔💔 A READ this post before you LIKE it. 💔💔💔

A few weeks ago, we were planning to announce that baby #6 would be joining our crew in January 2023, but instead we've been processing the death of our beloved child... 

At our 20 week anatomy scan, when we were joyfully expecting to see what our little babe looked like, we were met the words that will haunt us forever - "We can't find a heartbeat."

Two days later, we found ourselves in a foreign environment, after 5 beautiful homebirths, naturally delivering our stillborn son in a hospital. 

Dylan Marinus Ballard was born on August 31st, (our first son's birthday) at 6:43pm and weighing only 7.5 oz. 

Tearfully and filled with grief beyond words, we had to say hello and goodbye at the same time. Our beautiful son. 

Seeing his face, holding his tiny body, and admiring his little toes that looked just like daddy's was just a glimpse into the miracle of life that God allows us to partake in. When you fully realize the sanctity of human life, it makes it even harder to say goodbye. Not being able to take my baby home with me was the most gut wrenching, heartbreaking pain imaginable. It is a pain unlike all others that only mothers who have lost a child can even begin to understand. 

The hardest part of losing a child, is living everyday afterwards. It's such a devastating loss, a loss so unimaginable, that you have no idea how you will get through each day or survive the grief that is in your heart. No matter what age a child is, a parent's heart is forever tied to that child and there's nothing that will break that tie, including the passing of time. That's the beauty of unconditional love. 

Our only consolation is knowing that our little saint is in the loving arms of Jesus now. We look forward to meeting him in Heaven someday.

📷 birth photography by Melissa Lee Photography

#griefjourney #griefandloss #miscarriage #miscarriageawareness #griefawareness #griefislove #itsokaynottobeokay #largefamily #largefamilymom #bigfamily #bigfamilylife #lossmom #pregnancyloss #momlife #pregnancylossawareness #stillbirth #stillborn #stillbornstillloved #stillbornawareness #babyloss #miscarriagemomma #bereavedparents #lossmoms
Some of my favorite fall eats here! 😋 What ar Some of my favorite fall eats here! 😋 

What are your favorite fall comfort foods???

#momlife #homemaker #octobervibes #feelslikefall
Need an easy solution for dinner but don’t want Need an easy solution for dinner but don’t want fast food? @wildgrainbox delivers bake-from-frozen breads, pastries, and fresh pasta right to your door!

Clean ingredients, real sourdough, artisanal pastries, hand cut fresh pasta, eco friendly shipping, and they support small bakeries! 👩🏼‍🍳

Every item is freezer to table in 25 minutes or less so you can enjoy homemade quality food, FAST. I whipped up a loaf of sourdough bread and delicious pasta with marinara sauce in under 30 minutes for me and my husband to enjoy a little date night at home. It was like going to a fancy Italian restaurant, but we go to eat in our pajamas!

We love that Wildgrain is passionate about delivering slow-fermented sourdough bread‘s, fresh pasta, and artisan pastries directly to your door and I love that they are local to me! 

WANT TO TRY IT?! The first 50 people to use my coupon code and link can get $30 off their first box PLUS free croissants in every box! 

Use coupon code FASHIONABLEWIFE to snag this deal QUICK! 💃🏼

LlNK in bio and in stories! 🛒

#momlife #homemaker #mywildgrain #datenightideas
Introducing Caraway’s most requested products, t Introducing Caraway’s most requested products, the NEW Mini Fry Pan & Mini Sauce Pan!!! 

By popular demand, they now have miniature versions of their two best-selling À La Carte pieces, now in compact and cute sizes!! 

These are designed for cooking smaller portions and are a perfect complement to your current Caraway cookware collection. 

🥳Get 10% off the new Mini Fry Pan & Mini Sauce Pan using my link in my bio! 🥳

#momlife #homemaker #homelifestyle #kitcheninspo
What better way to welcome fall than with @caraway What better way to welcome fall than with @caraway_home latest products, the Mini Fry Pan & Mini Sauce Pan!!! 

By popular demand, they now have miniature versions of their two best-selling À La Carte pieces, now in compact & cute sizes. These are designed for cooking smaller portions and make the perfect complement to your current Caraway collection. 

Get 10% off the new Mini Fry Pan & Mini Sauce Pan using my link! 🛒

⁣LlNK is in my bio and stories! 💃🏼 Or use code FASHIONABLEWIFE-MINI22 
.⁣
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#cottageliving #decor #decoration #farmhouselove #hgtv #homedesign #interior #interiordecor #interiorstyling #kitchendesign #kitchendiner #kitcheninspo #kitchenremodel #kitchenrenovation #kitchensofinstagram #magnoliahome #modernfarmhouse #modernfarmhousestyle #neutralabodes #neutraldecor #neutralhome #neutralkitchen #neutralstyle #neutraltones #newbuild #newbuildhome #newbuildjourney #quartzworktops #shakerkitchen #whitekitchen
Can you imagine a more beautiful thing?! I can’t Can you imagine a more beautiful thing?! I can’t! 🤣

My son is loving our @treasuresfromjennifer calendar and keeping track of the days now. He keeps telling me how many days it is until the first day of fall rather than asking me 900 times “when is it going to be fall, mama?!” 😜

Do you have a calendar or weather board in your home for your children? 

#homeschoolmom #homeschoolroom #homeschoollife #homeschoollookslikethis
Anybody else excited about apple picking season?! Anybody else excited about apple picking season?! 🍎 

When September rolls around, you’ll find us doing fun fall-themed homeschool stuff, decorating the house for fall (yes that’s a family affair!) and going apple picking!!!

What’s your favorite thing about September?! 

#septembervibes #fallinnewengland #fallvibes #applepickingseason #fallinnh #newenglandfall #newenglandlife #newhampshirefall #appleorchards
Introducing Theology of Home III: At the Sea 🌊 Introducing Theology of Home III: At the Sea 🌊 

This is the newest release in the amazing book series by @carrie.gress and @noellemering from @tan_books !! 

A must-have for homemakers, At The Sea draws from literature, mythology, and scripture to show readers the rich connections between the sea and mystery, recreation, yearning, and joyful reunions.

Within these pages you’ll find inspiration for home, womanhood, and family. Learn more about water in Scripture, Our Lady as Stella Maris, and more. This book is beautifully laid out and includes breathtaking photography that will capture your heart. 

It would make a beautiful gift or a lovely addition to your book collection. 

Use the TAN Books link in my bio to shop and use ✨coupon code RAISINGWILD-15 for 15% off!✨

#fashionablewife #fashionablehome #homemaker #homemakerlife #homedesignideas #homedecorations #theologyofhome #homeishere #domesticchurch #tradcat #bookstagram #bookshelf

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Looking at pictures of my last birth makes me grie Looking at pictures of my last birth makes me grieve my baby in Heaven that I just lost a few weeks ago. 

Knowing all the firsts we won’t be getting. All the newborn snuggles, that new baby smell, the joy of breastfeeding, it’s all gone. Slipped through my fingers in a moment, for no reason. 

No one thinks it will ever happen to them. Nothing prepares you for the loss of your child and no one can fully understand and appreciate the intense level of grief and pain until it happens to you. And if you do not understand this kind of grief, consider yourself very, very blessed and fortunate. 

Sometimes being open to life, also means being open to loss. 💔

#miscarriage #miscarriagesupport #miscarriageawareness #lossmom
READ this post before you LIKE it. 💔💔💔 A READ this post before you LIKE it. 💔💔💔

A few weeks ago, we were planning to announce that baby #6 would be joining our crew in January 2023, but instead we've been processing the death of our beloved child... 

At our 20 week anatomy scan, when we were joyfully expecting to see what our little babe looked like, we were met the words that will haunt us forever - "We can't find a heartbeat."

Two days later, we found ourselves in a foreign environment, after 5 beautiful homebirths, naturally delivering our stillborn son in a hospital. 

Dylan Marinus Ballard was born on August 31st, (our first son's birthday) at 6:43pm and weighing only 7.5 oz. 

Tearfully and filled with grief beyond words, we had to say hello and goodbye at the same time. Our beautiful son. 

Seeing his face, holding his tiny body, and admiring his little toes that looked just like daddy's was just a glimpse into the miracle of life that God allows us to partake in. When you fully realize the sanctity of human life, it makes it even harder to say goodbye. Not being able to take my baby home with me was the most gut wrenching, heartbreaking pain imaginable. It is a pain unlike all others that only mothers who have lost a child can even begin to understand. 

The hardest part of losing a child, is living everyday afterwards. It's such a devastating loss, a loss so unimaginable, that you have no idea how you will get through each day or survive the grief that is in your heart. No matter what age a child is, a parent's heart is forever tied to that child and there's nothing that will break that tie, including the passing of time. That's the beauty of unconditional love. 

Our only consolation is knowing that our little saint is in the loving arms of Jesus now. We look forward to meeting him in Heaven someday.

📷 birth photography by Melissa Lee Photography

#griefjourney #griefandloss #miscarriage #miscarriageawareness #griefawareness #griefislove #itsokaynottobeokay #largefamily #largefamilymom #bigfamily #bigfamilylife #lossmom #pregnancyloss #momlife #pregnancylossawareness #stillbirth #stillborn #stillbornstillloved #stillbornawareness #babyloss #miscarriagemomma #bereavedparents #lossmoms
Some of my favorite fall eats here! 😋 What ar Some of my favorite fall eats here! 😋 

What are your favorite fall comfort foods???

#momlife #homemaker #octobervibes #feelslikefall
Need an easy solution for dinner but don’t want Need an easy solution for dinner but don’t want fast food? @wildgrainbox delivers bake-from-frozen breads, pastries, and fresh pasta right to your door!

Clean ingredients, real sourdough, artisanal pastries, hand cut fresh pasta, eco friendly shipping, and they support small bakeries! 👩🏼‍🍳

Every item is freezer to table in 25 minutes or less so you can enjoy homemade quality food, FAST. I whipped up a loaf of sourdough bread and delicious pasta with marinara sauce in under 30 minutes for me and my husband to enjoy a little date night at home. It was like going to a fancy Italian restaurant, but we go to eat in our pajamas!

We love that Wildgrain is passionate about delivering slow-fermented sourdough bread‘s, fresh pasta, and artisan pastries directly to your door and I love that they are local to me! 

WANT TO TRY IT?! The first 50 people to use my coupon code and link can get $30 off their first box PLUS free croissants in every box! 

Use coupon code FASHIONABLEWIFE to snag this deal QUICK! 💃🏼

LlNK in bio and in stories! 🛒

#momlife #homemaker #mywildgrain #datenightideas
Introducing Caraway’s most requested products, t Introducing Caraway’s most requested products, the NEW Mini Fry Pan & Mini Sauce Pan!!! 

By popular demand, they now have miniature versions of their two best-selling À La Carte pieces, now in compact and cute sizes!! 

These are designed for cooking smaller portions and are a perfect complement to your current Caraway cookware collection. 

🥳Get 10% off the new Mini Fry Pan & Mini Sauce Pan using my link in my bio! 🥳

#momlife #homemaker #homelifestyle #kitcheninspo
What better way to welcome fall than with @caraway What better way to welcome fall than with @caraway_home latest products, the Mini Fry Pan & Mini Sauce Pan!!! 

By popular demand, they now have miniature versions of their two best-selling À La Carte pieces, now in compact & cute sizes. These are designed for cooking smaller portions and make the perfect complement to your current Caraway collection. 

Get 10% off the new Mini Fry Pan & Mini Sauce Pan using my link! 🛒

⁣LlNK is in my bio and stories! 💃🏼 Or use code FASHIONABLEWIFE-MINI22 
.⁣
.⁣
.⁣
.⁣
.⁣
#cottageliving #decor #decoration #farmhouselove #hgtv #homedesign #interior #interiordecor #interiorstyling #kitchendesign #kitchendiner #kitcheninspo #kitchenremodel #kitchenrenovation #kitchensofinstagram #magnoliahome #modernfarmhouse #modernfarmhousestyle #neutralabodes #neutraldecor #neutralhome #neutralkitchen #neutralstyle #neutraltones #newbuild #newbuildhome #newbuildjourney #quartzworktops #shakerkitchen #whitekitchen
Can you imagine a more beautiful thing?! I can’t Can you imagine a more beautiful thing?! I can’t! 🤣

My son is loving our @treasuresfromjennifer calendar and keeping track of the days now. He keeps telling me how many days it is until the first day of fall rather than asking me 900 times “when is it going to be fall, mama?!” 😜

Do you have a calendar or weather board in your home for your children? 

#homeschoolmom #homeschoolroom #homeschoollife #homeschoollookslikethis
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