It is been a while since many deliberations in America have been taking place about quoting high prices when it comes to car insurance for single moms. Even though it may be logical for the providers to do, but it can get overly expensive for the customers who are especially single moms. It can get really difficult for them as they are managing the expenditure of the entire household single-handedly.

There are different car insurance types that can be granted to single moms and benefit them. The first and foremost is ‘Personal Injury Protection’ that covers the costs borne on medical reasons by the party that is at fault and the person, occupying the damaged car at the time of the accident. This coverage includes recovery expenses, hospitalization, and even funeral expenses in case either of the parties dies in a case on accident. This kind of car insurance for single moms is made to be compulsory.

The second kind of car insurance is ‘Roadside Service’ availed when requiring roadside emergency assistance at any time though it is optional. ‘Liability Coverage’ is another kind which is mandatory in America; it pays the compensation payable to third parties for causing them some damages when you are at fault. It also covers the compensation payable for damages to the third party cars along with payment for physical injuries, just in case. Next is ‘Collision Coverage’ that covers the costs for repairing damages caused due to collision. In case you have opted for an At-fault liability scheme, the benefit will protect the third-party and not you.

‘Rental Car Reimbursement’ will get you reimbursements of the costs that you will incur for renting a car for when your personal car is at the service station for repair. There is ‘Free Towing’ which can get your car towed to the closest service station without having to pay for it upfront.

After purchasing the car insurance either mandatory or optional, it will help in cost reduction especially as a single mom and even protect your children. Fortunately, insurers provide discounts to single moms in a few cases. First is ‘Group Concession’ which is if you belong to a special interest group or a union like teachers or service members. ‘Mileage Discount’ is when the insurance companies offer discounts to drivers who drive to a lesser extent than usual. It is easy to get this if you carpool regularly to reduce your driving miles.

In case there is no car accident record in your name for a period of three years, you can get a discount under the ‘Safe Driving Scheme’. There is ‘Family Policy Concession’ in case your child has reached the legal age of driving and you require coverage. This can help you incur savings by adding your child to the existing car insurance policy you hold.

Along with these concessions, car insurance for single moms can also be amended for more discounts based on their personal profile and other additional factors.