• Skip to primary navigation
  • Skip to main content
  • Skip to primary sidebar
  • Skip to footer
  • Home
  • BLOG
  • Meet Sarah
  • Shop With Me
    • My Amazon Store
    • LIKEtoKNOW.it
    • Buy Plexus (the pink drink!))
    • Buy Arbonne
  • Contact
  • Nav Social Menu

    • Facebook
    • Instagram
    • Pinterest
    • Twitter
    • YouTube
The Fashionable Housewife

The Fashionable Housewife

Because Moms Should Look Good, Too!

  • Fashion
    • Today’s Outfit
    • Outfit Ideas
    • Spring Fashion
    • Summer Fashion
    • Fall Fashion
    • Winter Fashion
  • Beauty
    • Hair
    • Skin Care
    • Makeup
    • Nail Polish
    • Organic or Eco-Friendly
    • Hair Removal
    • Sun Protection
    • Cosmetic Surgery
  • Health
    • Fitness
    • Weight Loss
    • Pregnancy
    • Vitamins & Supplements
    • About The Dukan Diet
    • Review of i-Lipo Laser Liposuction Treatment
  • Home Life
    • Home Improvement
    • Home Decor
    • Outdoors
    • DIY & Crafts
    • Homesteading
    • Finances
  • Marriage
  • Faith
  • Parenting
    • Baby Gear
    • Babywearing
    • Breastfeeding
    • Cloth Diapers & Diapering
    • Pregnancy
    • Natural Birth
  • Homeschooling
    • Raising Wild Saints
  • Recipes
    • Food & Snacks
    • Baby Food
    • Gluten Free
    • Keto
    • Coffee
    • Cocktails
  • Travel
    • Story Land in Glen, NH
  • Shop My Looks

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

Modified on February 26, 2022 at 4:16 PM

Sharing is caring!

17 shares
  • Share
  • Tweet

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:

No related posts.

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.

Previous Post: « Night Zookeeper – The Homeschool Writing Program Your Kids Will Love
Next Post: Potential Dangers Your Loved One Might Face In The Care Of Others »

Primary Sidebar

  • Email
  • Facebook
  • Instagram
  • Pinterest
  • Twitter
  • YouTube

Hello, there!

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!

This blog is a place for me to share how we live and what I love most. I’m on a mission to help busy moms like you, be fashionable too! Read More…

Never miss a post


Use code FASHION10 to get 10% off your order at www.mapleandlark.com





Use our exclusive coupon code
LS-SARAHJEAN for $20 off your first order!


DHgate fashion dresses for sale

Use coupon code ‘FHW‘
to get 20% off your order!!!

Latest on Instagram

fashionablewife

𝒯𝒽ℯℱ𝒶𝓈𝒽𝒾ℴ𝓃𝒶𝒷𝓁ℯℋℴ𝓊𝓈ℯ𝓌𝒾𝒻ℯ
Christian, Wife, Mama x 5. livin' in NH
Fashion, Food, Health, & Home
✉️ Email me, let’s work together!

𝕊𝕒𝕣𝕒𝕙 | Fashionable Homemaker & Large Family Life
You do not find a happy life. You make it. 

That’s the biggest lesson that grief has taught me. If I just wait around to be happy again, I’ll die sad. 

You don’t get through grief and come out the other side. That’s not how it works. You learn how to grow around it like a tree grows around a rock that’s in the way. You don’t wait for the rock to move. Cause it’s not gonna. 

Choose happy. And then make it happen. 

#choosehappy #joyinthejourney #griefjourney #healingfromtrauma
8 billion smiles in the world, but his is my favor 8 billion smiles in the world, but his is my favorite. 

Happy Valentine’s Day, @daeinexplains 🥰

The last 20 years with you have been my favorite years on this earth. ❤️ 

If I did anything right in my life, it was when I decided to give my heart to you.  You are my best friend, my soul mate, my better half, my rock, my everything. 

I love you.

#couplegoals #marriedlife #motherhoodthroughinstagram #weddingday #marriagegoals #yourestilltheone
Kids love helping if you just let them!💁🏼‍ Kids love helping if you just let them!💁🏼‍♀️

This little guy always asks to help when he sees me cleaning the house, washing the floors, doing laundry, or emptying the dishwasher. That’s what I love about Montessori parenting - it allows kids to do  big jobs and in turn makes them eager to help! 

He was over the moon when we gave him the @lovevery floor mop that actually works! He uses it daily now. The mopping pad is machine washable and you can refill the fluid container on it. I usually just do water and a drop of essential oils because he loves it when everything smells clean! 😜 

Definitely recommend! If you want to grab this mop for your little helper, it’s in the Storyteller Play Kit from Lovevery for 3 year olds. 

LlNK is in my bio to get FREE shipping! 💃🏼

#lovevery #loveverytoddler #loveverypartner #montessoriathome #montessoriplayroom #montessoritoddler
Stop trying to fit your square self in a round hol Stop trying to fit your square self in a round hole. 

Sometimes we outgrown relationships. Sometimes we realize someone else isn’t a good influence on our lives. Sometimes we realize we aren’t a good influence for someone else. Sometimes we need to let things go that aren’t good for us in order to grow. And that’s ok. 

Stop trying to sit at a table you are no longer welcome at. Just be yourself, focus on God, love your family and friends, and the right people will gravitate to you. ✌🏻 

#raisingsaints #momlife #motherhoodunplugged #selflovejourney #growingpains #selfcaresunday
When your toaster breaks from a power surge you ta When your toaster breaks from a power surge you take that as a sign that it’s time to upgrade! 🤪

It wasn’t hard to pick a new 4 slice toaster. As soon as I saw this one from @haden_usa I added it to my cart. I bought it from @lordandtaylor because it had the fastest shipping and I didn’t want to wait! 

No fancy electronics, screens, or extra features we don’t need. Just simple, straight forward functions and perfect results everytime. Plus it matches all my @cafeappliances too! 😂👍🏻

What do you think of this 4 slice toaster?! 

#toasters #kitchenappliances #kitchendesign #kitchendecor #whitekitchen #farmhousekitchen #farmhousestyle #whiteappliances
I’m obsessed with these leather booties from @en I’m obsessed with these leather booties from @enjoiya! 💃🏼 

The “Steffi” in green are the perfect boots for ushering in spring weather with their delicious vintage leather and worn-in look right out of the box. I love the chunky lug soles and inside zippers to get them on and off easily. 

These are the boots you’ll want to wear again and again. And again. 

Use my coupon code BALLARD20 to get 20% off your order! Find them on www.enjoiya.com

#leatherbooties #enjoiya #italianshoes #realmomstyle #momstyle #momstyletips
All the poop shoveling doesn’t seem so bad with All the poop shoveling doesn’t seem so bad with the prices of eggs right now! 🤪 🐔 🥚 

Guess it’s ok to be a crazy chicken lady and have a homestead now! 🤣

#momlife #crazychickenlady #homesteadlife
I’m addicted and I just can’t get enough 😂🫣

I’m loving my no -toxic, non-stick cookware from @caraway_home  It’s as beautiful as it is easy to cook with. And it makes my kitchen look prettier too! 💁🏼‍♀️

Want to learn more about why I’m obsessed with these pots and pans? Visit my blog and search CARAWAY! Or scroll through my feed! 🥳

#homemaker #housewifelife #homestyler #momlife
Today was my due date for Dylan. Considering he w Today was my due date for Dylan.

Considering he was my 6th child, it's possible he would have been here by now. It’s been extra hard for me this week. 

Despite my best efforts to be strong and stay positive, I am completely brokenhearted. I’m just being honest. I could pretend I’m fine, but that doesn't do me or anyone else any good to be dishonest about the pain of miscarriage or the grief that comes with losing a child. 

My heart is completely shattered from having an empty womb and an empty nursery. An empty bassinet in the corner and unused tiny newborn outfits, all washed, folded, and ready… for nothing. 

It makes me physically sick to my stomach when I think about it all and I can't even fathom how I got here. How did I get here? 

This isn't how it's supposed to be! I should be holding a newborn right now! It’s so unfair. 

In an instant, my baby was gone and there was nothing I could do to change that. 

It doesn't matter how much time passes or what else happens in life, I will always miss him. My heart with always long for my baby. 

Those who haven't experienced loss tell you that "Don’t worry! Things will get better, just focus on the positive!" but people who actually know this grief and what it actually feels like to lose a baby, won’t tell you that. They know this hard road. They understand that unfortunately you don't just “get over it.” 

The grief doesn't just go away, even if you try to ignore it, it's still there. Like the sun. You don’t have to look at it to know it’s there. You can turn your back on it but it will still warm your skin. 

The grief from losing a child is unbearable. 
It is unpredictable.
It is unforgiving.
It is relentless.
It is all-consuming.
And it completely shatters you when you don’t expect it. 

You don’t get over it. You don’t forget. You simply learn to live with it. And I’m learning to live with it every day. 

It’s been 137 days I’ve had to live without my baby. 

Lord Jesus, please… hold me extra tight tonight. 

#babyloss #babylossawareness #babylosssupport #babylosscommunity #babylosssurvivor #stillbornstillloved #stillbornawareness #stillbirth #miscarriagesupport #miscarriageawareness

Footer

coffee

Each product we feature on The Fashionable Housewife has been independently selected and reviewed by our editorial team. If you make a purchase through the links in our posts, we may earn a small commission at no extra cost to you. Thank you for supporting us!

You do not find a happy life. You make it. 

That’s the biggest lesson that grief has taught me. If I just wait around to be happy again, I’ll die sad. 

You don’t get through grief and come out the other side. That’s not how it works. You learn how to grow around it like a tree grows around a rock that’s in the way. You don’t wait for the rock to move. Cause it’s not gonna. 

Choose happy. And then make it happen. 

#choosehappy #joyinthejourney #griefjourney #healingfromtrauma
8 billion smiles in the world, but his is my favor 8 billion smiles in the world, but his is my favorite. 

Happy Valentine’s Day, @daeinexplains 🥰

The last 20 years with you have been my favorite years on this earth. ❤️ 

If I did anything right in my life, it was when I decided to give my heart to you.  You are my best friend, my soul mate, my better half, my rock, my everything. 

I love you.

#couplegoals #marriedlife #motherhoodthroughinstagram #weddingday #marriagegoals #yourestilltheone
Kids love helping if you just let them!💁🏼‍ Kids love helping if you just let them!💁🏼‍♀️

This little guy always asks to help when he sees me cleaning the house, washing the floors, doing laundry, or emptying the dishwasher. That’s what I love about Montessori parenting - it allows kids to do  big jobs and in turn makes them eager to help! 

He was over the moon when we gave him the @lovevery floor mop that actually works! He uses it daily now. The mopping pad is machine washable and you can refill the fluid container on it. I usually just do water and a drop of essential oils because he loves it when everything smells clean! 😜 

Definitely recommend! If you want to grab this mop for your little helper, it’s in the Storyteller Play Kit from Lovevery for 3 year olds. 

LlNK is in my bio to get FREE shipping! 💃🏼

#lovevery #loveverytoddler #loveverypartner #montessoriathome #montessoriplayroom #montessoritoddler
Stop trying to fit your square self in a round hol Stop trying to fit your square self in a round hole. 

Sometimes we outgrown relationships. Sometimes we realize someone else isn’t a good influence on our lives. Sometimes we realize we aren’t a good influence for someone else. Sometimes we need to let things go that aren’t good for us in order to grow. And that’s ok. 

Stop trying to sit at a table you are no longer welcome at. Just be yourself, focus on God, love your family and friends, and the right people will gravitate to you. ✌🏻 

#raisingsaints #momlife #motherhoodunplugged #selflovejourney #growingpains #selfcaresunday
When your toaster breaks from a power surge you ta When your toaster breaks from a power surge you take that as a sign that it’s time to upgrade! 🤪

It wasn’t hard to pick a new 4 slice toaster. As soon as I saw this one from @haden_usa I added it to my cart. I bought it from @lordandtaylor because it had the fastest shipping and I didn’t want to wait! 

No fancy electronics, screens, or extra features we don’t need. Just simple, straight forward functions and perfect results everytime. Plus it matches all my @cafeappliances too! 😂👍🏻

What do you think of this 4 slice toaster?! 

#toasters #kitchenappliances #kitchendesign #kitchendecor #whitekitchen #farmhousekitchen #farmhousestyle #whiteappliances
I’m obsessed with these leather booties from @en I’m obsessed with these leather booties from @enjoiya! 💃🏼 

The “Steffi” in green are the perfect boots for ushering in spring weather with their delicious vintage leather and worn-in look right out of the box. I love the chunky lug soles and inside zippers to get them on and off easily. 

These are the boots you’ll want to wear again and again. And again. 

Use my coupon code BALLARD20 to get 20% off your order! Find them on www.enjoiya.com

#leatherbooties #enjoiya #italianshoes #realmomstyle #momstyle #momstyletips
All the poop shoveling doesn’t seem so bad with All the poop shoveling doesn’t seem so bad with the prices of eggs right now! 🤪 🐔 🥚 

Guess it’s ok to be a crazy chicken lady and have a homestead now! 🤣

#momlife #crazychickenlady #homesteadlife
  • Home
  • Meet Sarah
  • Contact Us
  • Disclosures & Privacy Policy

[Est 2005] Copyright © 2023 Sarah-Jean Ballard and Fashionable Media | Beloved Theme

This website uses cookies to improve your experience. We'll assume you're ok with this, but you can opt-out if you wish.Accept Reject Read More
Privacy & Cookies Policy

Privacy Overview

This website uses cookies to improve your experience while you navigate through the website. Out of these, the cookies that are categorized as necessary are stored on your browser as they are essential for the working of basic functionalities of the website. We also use third-party cookies that help us analyze and understand how you use this website. These cookies will be stored in your browser only with your consent. You also have the option to opt-out of these cookies. But opting out of some of these cookies may affect your browsing experience.
Necessary
Always Enabled
Necessary cookies are absolutely essential for the website to function properly. This category only includes cookies that ensures basic functionalities and security features of the website. These cookies do not store any personal information.
Non-necessary
Any cookies that may not be particularly necessary for the website to function and is used specifically to collect user personal data via analytics, ads, other embedded contents are termed as non-necessary cookies. It is mandatory to procure user consent prior to running these cookies on your website.
SAVE & ACCEPT
17 shares