For the most part, car insurance covers all drivers in a household whether married or not. If you live with someone who has a poor driving record and tell the car insurance company this person is able to drive your car, you will pay a higher automobile insurance premium. It may be wise for the spouse with the bad driving record to take a safely drivers course to help lower the cost of the insurance premium.
When two people decide to get married, they usually have two cars and separate insurance policies. You need to determine which automobile insurance company will provide you with the cheapest car insurance and then decide to keep one or try an entirely different insurance company. Keep in mind, married couples receive discount for their age, marital status, education, driving record and credit history.
If all the information supplied to the car insurance company is positive, you should receive discounts allowing for lower insurance premiums. If you become divorced or widowed your automobile insurance reverts to a single premium resulting in a higher car insurance rate. Most people do not find this to important when considering their impending divorce, but widower’s sometimes find this to cause a financial burden.
If you combine all your insurance needs into one package after you are married, you receive a better deal on insurance rates.
When a couple gets married, car insurance is really only one factor in the overall financial protection scheme. It’s a good idea to review both partners present insurance with a qualified insurance expert and discuss other types of coverage that may now be needed like mortgage protection and home insurance. If you’ve just recently gotten married or are planning to soon, give us a call at the Robert Nichols Insurance agency at (561) 406-6153 or click here to schedule a consultation with one of our licensed insurance agents.