When you get married, the last thing you are probably thinking about is how it is going to impact your auto insurance. However, for the most part, it’s going to impact insurance in a positive way.
Auto insurance companies will generally provide a discount if you can say that you are married. There are many theories as to why this is. Statistically, married couples get into less car accidents are eight it may be that they don’t drive as much, that they drive more cautiously, or because they live more stable lives.
Once you combine policies with your spouse, you are generally going to see a reduction in your premium. Two premiums rolled into one are going to be more affordable and that is likely because of multiple car discounts as well as multiple driver discounts.
The only time it won’t be advantageous for you to combine policies into one of you have a less than stellar driving history. One of you has not been the best driver, it may be cheaper for you to keep separate policies until the previous accidents have cleared up.
The best thing that can be done is to talk with an independent agent and learn about how the driving records look for both of you and whether it’s a good idea to combine policies.
Remember, just as getting married can impact auto insurance for the better, divorce can be for the worse. They should never impact whether you marry or divorce, but it is something to consider when you tie the knot.
At The Select Insurance Agency we are happy to help you find auto insurance once you have gotten married. We will obtain multiple quotes for you, answer questions you have, and ensure that you have an affordable policy for you and your spouse in Coppell, Texas.