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Car Insurance While Pregnant

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Things to remember...

  • A number of changes in your life can directly affect your car insurance premiums
  • Certain medical conditions may also affect your premiums
  • Your pregnancy, however, should not impact the cost of car insurance

Did you know that some of the biggest life changes you’ll experience will also affect the type of car insurance you’ll need as well as the rates you’ll pay for coverage?

  • When your child hits the teenage years and starts to drive, you’ll be expected to pay more for having an experienced driver on your policy.
  • When you get married and purchase a joint policy with your new spouse, your rate may also change.

Keep in mind, though, that car insurance providers have no legal right to access your medical records when you’re applying for coverage.

Unless you’re nearing your due date and you visit your agent in person to ask questions or fill out an application, your insurance provider will have no idea that you’re expecting.

If you have had the same policy and coverage for an extended period of time, you needn’t worry about your insurance company questioning your pregnancy or any changes in your rates.

Compare car insurance rates to find the best price for the coverage you need. Enter your zip code into our free comparison tool above to get started.

Do medical conditions interfere with your right to drive?

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Millions of people drive every day with both unknown and known medical conditions, and most of these conditions don’t impact these drivers’ ability to safely operate their cars.

In many cases, insurance companies have no inkling about their customers’ medical histories because these records are protected by the Health Insurance Portability and Accountability Act (HIPAA).

There are several situations in which a driver’s medical records could become a driving-related factor, including:

  • The driver is involved in a car crash that brings to light a suspected or known medical condition that could increase the risk of future incidents.
  • A family member reports concerns to the police department or the Department of Motor Vehicles (DMV) regarding a loved one’s ability to safely operate a car.
  • A police officer reports concerns regarding an individual’s ability to drive due to a known or suspected medical condition.
  • A physician reports a diagnosed medical condition to the DMV. Medical practitioners are required to report their concerns if a patient suffers from a condition that poses a risk to other motorists or themselves while driving.

Several types of reports are available that help insurance companies determine whether there are any connections between risky driving conditions and medical conditions.

However, the conditions these individuals study are specific, and pregnancy is not on the list.

Carrying a baby does not impair your ability to drive a car in any way, so in short, your insurance company isn’t worried about it, and your rates won’t be affected by the pregnancy.

What factors affect car insurance rates?

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Although you’ll probably need to move your seat back to allow space for your growing belly, your pregnancy won’t increase your car insurance premiums.

Now that you don’t have to worry about paying more money for car insurance, let’s look at the factors that can affect the rates you’ll be expected to pay for insurance as well as your eligibility to purchase a policy in the first place.

– Credit Ratings

According to several studies, individuals with a poor credit history are more likely to file insurance claims, so most insurance providers will include information from your credit report as well as your credit score when assigning you a risk factor.

However, if you’re worried about your credit score negatively affecting your rates, search for a company that doesn’t take credit into consideration when determining eligibility.

You may find another provider that offers you a more reasonable rate even without your credit history factoring into the equation.

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– Personal Facts

Every insurance provider will consider the following when calculating your premiums:

For example, data shows that younger and older drivers are more at risk of causing a crash, so elderly drivers and teenagers typically have more expensive premiums.

Also, the elderly are more likely to suffer from medical conditions that could impair their physical and cognitive functioning, and these individuals are also more likely take medications for other health conditions that could negatively impact their driving ability.

While insurance providers can’t check your medical records by law, they can assume, based on your age and other personal factors, that you are more at risk for an accident.

– Driving Record and Habits

It goes without saying that history is the best predictor of the future, so think about what your own driving history says about you.

If you have a history of causing accidents, speeding, driving under the influence, breaking traffic laws, driving while distracted or other poor driving habits, the insurance company will see you as a greater risk and charge you a higher premium to cover that risk.

Also, if you spend a lot of time on the road, you can plan on paying more for car insurance. More time behind the wheel means a greater chance of causing an accident, and insurance companies are more likely to see you as a greater risk.

– Your Neighborhood

Do you live in a high-crime area? Are there other local factors that put your car at risk for theft, vandalism and other crimes? If so, the insurance company will see that as a risk, and your insurance rates will increase as the local crime rate increases.

Statistically, drivers in urban areas pay more than their suburban or rural counterparts for the same coverage.

– Your Vehicle

Insurance companies can easily look up your car and determine its safety ratings. They have access to statistical data that indicates which vehicle makes and models are most likely to be involved in accidents.

By the same token, this information also shows the insurance provider which cars are most likely to require costly repairs following a crash.

The insurance company judges each vehicle based on this data and sometimes offers discounts to drivers for owning cars with the least amount of risk. Your provider will take into consideration your car’s model, make and year to determine your risk level.

If you have ever compared quotes from different insurance companies, you may have received a range of rates based on the above factors.

While each company is required by law to report how they calculate risk and premiums to ensure they are fair to every consumer, every provider has its own system in place.

To ensure you’re getting the best deal and working with a company who will assign you the lowest risk rating, take the time to compare different quotes since providers will place emphasis on different factors.

Enter your zip code into our free rate tool above to compare quotes today.

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