The Best Type of Car Insurance to Get if You're Married
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While a great financial benefit of marriage is a combined car insurance policies with your spouse, the best type of car insurance to get if you’re married will depend on a number of factors.
Of all the things that could impact your car insurance rates, you might not have anticipated that your marital status could be one of them. So it’s worth considering a variety of options to decide what type of plan is best for your needs.
As with car insurance in general, your rates are determined on the basis of your driving record and the likelihood that you will make a claim. Single drivers only need to think about their own past, but when you get married and are thinking of combining policies, keep each spouse’s driving record in mind.
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Is it better to have joint car insurance for married couples or separate policies?
Does combining policies give you the best rates? Not always. It may be more financially wise to remain on separate policies depending on your individual driving records.
Perhaps you have different insurance companies and the new rates for a combined policy would be more expensive than separate policies. Maybe you drive very little and so low-mileage discounts would be available to you separately that would no longer apply on a combined policy.
And if you have a great driving history and your spouse has a poor one, joining your spouse’s policy may raise your rates overall. This would also be the case if one of you has a higher risk vehicle.
In general, however, rates do to tend to drop for married couples on a combined plan, so it is likely that some savings would accrue to your family. To make sure you’re actually saving money though, look into your driving history and cost to insure you and your partner’s cars before you make any decisions about combining or switching policies when you get married.
Key Takeaway Couples can often save money by sharing a joint car insurance policy, provided that both have clean driving records.
Discounted car insurance for married couples
If you do end up combining policies, look for special discounts available to married couples. Consider a multi-car discount. If you and your spouse each have a car, then you can get an overall better, lower rate when you insure both vehicles.
You can extend the same thinking to cars your child may use. The multi-car discount applies to all the cars you own as family, so do not be afraid to take advantage of possible savings here as well.
When you combine you and your spouse on a single policy, put some thought into who should be listed as the primary driver and who should be the secondary driver. Depending on the facts surrounding each of your driving histories and how much mileage each of you logs, this can have an effect on your rates.
The infrequent driver discount, for example, which is available to those who drive very little, might kick in for your spouse as a secondary driver and reduce your rates even more.
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Key Takeaway Check with your insurance provider to see which discounts are available for cars that are owned as a family.
Bundling policies can save more money
Another way to save is bundling your policies. If you have multiple insurance needs, such as home, auto, and life insurance, then you can bundle these together for significant savings. This multiple policy discount is a smart financial move for couples who have several policies through the same company.
At the end of the day, whether it is wiser to combine policies or remain separate, what various discounts are available to you, and how much you ultimately save by bundling are going to vary depending on your unique situation.
There is not a “one size fits all” answer when it comes to car insurance, so do a little research to find out what is best for you and your spouse.
Is car insurance cheaper for married couples?
Generally, yes, car insurance is cheaper for married couples. Combining car insurance policies will be cheaper overall, unless one partner has a particularly poor driving record or expensive car.
Who offers the best car insurance for married couples?
To get the best car insurance for married couples, you’ll want to get a multi-car policy. This will get you a multi-car discount. The best carriers for multi-car policies are Nationwide, GEICO, and State Farm. Allstate and Progressive are also great options.
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