Auto Insurance for Couples

There are many surprising things that can have an impact on car insurance rates. One of these is getting married, which can actually significantly lower your car insurance premium. The unfortunate thing is that most people are not aware of this factor and, as such, continue to pay on two policies or to pay more than they have to after they become married.

It may seem strange that settling down with your significant other can save you money on car insurance, but there are actually a lot of valid reasons behind why automobile insurance providers tend to charge lower premium fees to married couples. First of all, statistics show that those who are married and who thus have another person’s safety and wellbeing to think about are less likely to have automobile accidents, to commit speeding or other traffic violations, and to drive recklessly. Also, married drivers do not tend to drive during the peak, late night hours when drunk driving related accidents are likely to occur. Therefore, when you get married or if you are already married, you’ll want to make sure to mention this to your automobile insurance provider so that you don’t miss out on available discounts.

It is also important to note that adding your spouse to your insurance policy will not, as many people mistakenly believe, cause your automobile insurance to double in cost. Instead, married couples can opt for shared policies through the same provider. A lot of companies will even be so generous as to consider the spouse with the better driving history and credit rating when setting the premium amount. However, some couples do opt to keep two policies, especially when they will end up paying a lower rate due to a multiple policy discounts. It is always a good idea to look at several different options and ways of obtaining couples’ car insurance and then to choose the best deal for your money.

If you and your spouse have children, you can enjoy even more discounts from most providers. Just as those who are married are less likely to have accidents or drive recklessly, the same is true for those with children. People who have children to think about and care for are more likely to drive safely and to add safety features, which can also equal a discount, onto their car. Automobile insurance providers reward this higher level of responsibility by offering discounts.

Of course, not every provider will be willing to hand over the discounts. In fact, some do not even offer these discounts to their customers. If that is the case with your particular provider, then you’ll want to seriously consider switching providers. Also, some providers who do offer these discounts will not be so quick to tell you about them. As such, it’s up to you to take control and to bring up and ask about receiving these discounts if your provider does not. Sometimes, all it takes is a simple request to save money.

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