Car Insurance for Married Couples: Smart Coverage Tips
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This is a question we see often, and for good reason: any excuse to save on car insurance premiums is one worth looking into. The good news is that marriage can lower your premiums, because it makes you seem less risky to insurers (even though there’s plenty of risk in sharing sinks with someone!).
There’s even some data that shows married people get into fewer car accidents than their single counterparts. This means many insurance companies will give you a discount on your car insurance just for getting hitched!
However, being married can’t override years of bad driving. Your final rates will still be largely impacted by your driving history, including tickets and claims. Keeping a clean record is still your best bet to getting the lowest premiums possible.
It’s a good idea to update your insurance provider on your change in marital status, to ensure there are no complications when it comes time to file a claim. Insurance providers generally want to know everyone in your household that has access to your car, especially if your spouse might be driving it occasionally.
However, it might make sense to keep them separate if one of you has a bad driving record, so that you’re not both paying higher rates than necessary. But if you both have relatively good records, combining car insurance can make even more sense:
Not to mention, it’s a lot easier to manage one policy than two, increasing the likelihood that you understand your policy, submit claims faster and payments on time, and know your coverage.
Marriage comes with many perks, but you might be surprised to learn that lower car insurance premiums can be one of them. Soon after walking down the aisle, make sure to give your insurance provider a call to let them know your new marital status. You will likely see some savings, but even more with a multi-car discount if you combine policies. You can even look into consolidating more insurance policies with one provider, like home and life, for even greater savings.
After all, there’s nothing quite like starting off your wedded bliss with car insurance savings! If you’re in the market for even more insurance savings, browse free quotes here.
Paige Cerulli Paige Cerulli is a freelance content writer and journalist who specializes in personal finance topics. She graduated from Westfield State University and brings more than a decade of professional writing experience to the ConsumerCoverage team. Paige’s work has appeared in outlets including USA Today, Business Insider, and more.
