Children and Auto Insurance

Children and Auto Insurance

Whenever you decide to drive your vehicle, you will want to make sure that the auto insurance policy is current and has accurate information. This means that if you are married, let your insurance agent know that there is a possibility that another person will be driving your vehicle. His will also allow the agent to check and see if you are eligible for a discount because you got married. The next question that the agent might ask you is if your spouse has a vehicle that needs insurance. Then this would give a multiple vehicle discount.

When you decide to have a family, a baby will need a car seat for the first eight years depending on their size and weight. Initially, you are not concerned with this because you are dealing with a baby car seat. The free online auto insurance quotes will include any family members in the quotes that are provided to you. After the first year you are able to turn the car sear around so it faces the front. This is when a lot of parents are relieved because they can see the child’s face when they look in the rear view mirror, something they were not able to do the first year with the child. You may not get a discount for the child but it will affect your driver’s license if you do not follow the law and have the correct car seat for them. Traffic violations will show up on your driving record and this is shown by accumulated points.

If you accumulate so many points the Department of Motor Vehicles takes action and it is reported to your auto insurance company who will also take action. Sometimes it is in the form of increases in your auto insurance premiums and then sometimes it is a written communication giving a warning saying if you receive another traffic violation for the same issue you premiums may increase. Keep updated on how your auto insurance company handles your policy and you can do this by reviewing it when you receive your declaration page, at the time of renewal. Do not get caught off guard and be aware of any changes before they happen to you.