As a new or expecting parent, your driving habits are likely to change. With more time spent at home, less frequent commutes, and shorter trips around town, you’re probably driving far fewer miles than before. What many parents don’t realize is that this shift in driving behavior can actually save you money on car insurance—if you switch to a usage-based insurance (UBI) plan. These plans are designed to reward low-mileage drivers by offering rates that reflect how much you actually drive, not just traditional flat fees.
Usage-based insurance plans work by tracking your mileage and driving habits through a mobile app or a device installed in your car. If you’re driving less, taking fewer long trips, or practicing safe driving habits, insurers will adjust your rates to reflect these positive behaviors. This means that you could save significantly compared to a traditional policy, where you’re charged a flat rate regardless of how much or how little you drive. With UBI, you pay for what you use, making it an ideal solution for new and expecting parents who are spending more time at home.
For parents preparing for a growing family, every dollar counts. Switching to a usage-based insurance plan can free up funds for other baby essentials without compromising the coverage you need. In fact, many families see savings as high as 30% by making the switch. It’s a practical, hassle-free way to ensure that your car insurance fits your new lifestyle and budget—so why not take advantage of it?