Have you ever wondered why most mummies get tired very often? Ah, there is this term called the MENTAL LOAD. What is that? It is a term coined to name the invisible labour stemming from running a household and the effort to meet each family members' needs, which studies show typically falls on a mother's shoulders. So, when it comes to car-related issues, it becomes a matter that contributes to that mental load. Ah, but now you do not have to worry anymore! We are going to introduce to you the future of buying and renewing car insurance. Now, you pay only for the protection you need \u2013 no more, no less \u2013 and you can do this online in the comfort of your own home! So, no more lining up in the post office. You can do your research on the car insurance you need online and apply directly. No more running about with your child in tow and realising that you forgot to pay for your parking ticket after! Here is a quick rundown on how to buy your car insurance: Do an annual rate check Image by Steve Buissinne from Pixabay Do you remember how much you paid for your motor insurance last year? Some of us may remember, some of us may not. Nevertheless, when the time of the year comes around, you must compare rates between motor insurance companies, so you know you are getting the best deal. You should also know what your vehicle's current market value is. If your vehicle is under-insured, you run the risk of getting penalised if anything unwanted should happen to your car. Once that is determined, request for the best deal that they can give and request for competitive quotes. Yes, you have the right to feel like-a-boss and ask questions! Consider who to buy insurance from You can buy directly from an insurance company, over the counter, or online. If you ask us, we are all for buying motor insurance online because it is convenient. It is perfect for busy mummies who are constantly juggling different chores at work and at home. When online, you can shop for the insurance packages at your own pace without anyone bugging you to make the decision they want you to make. \u00a0After all, it is your car! Pick a trusted insurer Image by Rico L\u00f6b from Pixabay Good things come to those who do their research! We encourage all mummies to conduct research and read user reviews to find out as much as you can about the insurance company you are interested to buy motor insurance from. Do not just pick the cheapest as more often than not, you may not get the best value or you might just get a policy that does not suit your needs. Do also consider other factors like service quality and claim-processing rates. If you do not understand a certain clause, it is your right to ask. Do not feel embarrassed to ask because it is very important that you know exactly what you will be getting based on what you will be paying for. Understand what you are buying Image by Quote Inspector There are basically three policies to choose from when it comes to motor insurance: \tThird-party \tThird-party, fire, and theft \tComprehensive coverage Third-party is the most basic coverage and comprehensive as its name suggests \u2013\u00a0comprehensive and (ahem) most expensive. However, before you decide on which motor insurance to go for, understand what the coverage exclusions and limitations are. It is usually non-exhaustive and if you have doubts on certain matters, yes, you have guessed it right \u2013 ASK! Look for value-for-money added services Image by Gerhard G. from Pixabay Think about added services like the way you will like to be treated when you check-in to your five-star resort stay. Motor insurance has added services, too, if you choose wisely. It is a free-of-charge motor accident assistance that comes with the insurance purchase. The support may include first response units, towing assistance, vouchers, and even vehicle delivery. For us, the most important is the ability to reach out to the insurance company during an emergency; because vehicles do not breakdown only during office hours. If you are stranded on the North-South highway at 2 AM in the morning, will your insurance company come to your aid? Cashless facility Image by Suvajit Roy from Pixabay When a car emergency happens, even though it is not something major, it is a hassle having to make a police report, call the insurance company, find a car garage for repair, and\/or all the other administrative matters. Leceh lah! This is why it is crucial for you to select an insurance policy that offers a cashless facility. With a cashless car insurance policy, you can get your vehicle repaired at any of the repair workshops as listed by the car insurance provider. The cost of repairs is sent directly to the insurance company and the reimbursement will be made by the insurance company. Hassle-free, darlings! Take advantage of discounts Eh, insurance also got discounts? Ah, we are so glad we piqued your attention, because YES, there are possible discounts and promos for female drivers, just like what SOMPO MotorNow is offering NOW! Here is the jizz... SOMPO MotorNow is an online car insurance renewal portal that makes it quick and easy for you to renew your motor insurance. No more travelling (sometimes with expired road tax \u2013 yikes, the anxiety is real with hopes that we do not meet Abang\u00a0Polis), looking for parking, and lining up to look at the officer cluelessl-y and go, "Urmmm, which motor insurance should I buy? Got so many options?" Fret not, mummies! SOMPO MotorNow offers comprehensive coverage \u2013 which includes third-party, fire, and theft \u2013 and you can do the renewal online, wherever you are. You can now pay lower car insurance premium rates with their newly-revised pricing. You pay only for the coverage you need \u2013 no more, no less. Once done, JPJ's system will be updated almost instantaneously on your motor insurance purchase for road tax renewal purposes. Image by Tumisu from Pixabay SOMPO MotorNow also offers\u00a0free coverage for ALL YOUR DRIVERS. So your husband, mummy, sister, or teenage child who has just gotten their driving license is covered. No nomination of drivers is required anymore. Celebrate ladies' night with\u00a0SOMPO MotorNow every day as female policyholders get to enjoy a special 5% discount on premium \u2013 hurrah! That is not all, you can even choose your excess. The higher the excess amount you choose to self-pay, the lower the premium for your car insurance. It also has a fast claim approval and direct settlement of up to RM5,000, so you can get your claim reimbursement within an hour. Wahhh... syiok, right? It is so syiok, they even offer multiple payment options, such as credit card, online banking, and e-wallet. Visit SOMPO MotorNow\u2019s official website for more info! Terms and conditions apply.