Can a husband and wife have separate car insurance policies in Idaho?
Will insurance force my wife and I to be on the same policy? My wife and I share a house. We drive separate cars and would prefer to be on different policies because we have different types of cars and insurance needs.
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Answered on Jul 20, 2021
Sophie Newman is a writer from California. Her hobbies include brewing her own kombucha, riding horses, and taking long road trips.
“Typically, combining car insurance policies can provide spouses with better rates and discounts, as well as the possibility of bundling home and auto insurance. This is true in Idaho, as well as most other states.
But sometimes it does make sense to have separate policies, especially if you or your spouse has:
- a bad driving record
- a poor credit score
- a significantly more expensive vehicle
Although many insurers require you to add other licensed drivers in your household, you can specifically exclude your spouse from your policy by notifying your provider that they will not be driving your vehicle.”
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