Marriage car insurance rates

Reader question:

Does getting married affect my car insurance rates?

Miriam

Yes, it does.

I’m guessing you are asking because you are getting, or have just gotten, married, so let me start off by offering you the proper congratulations for your happy event. Now that we’ve got that done, I can assure that this life changing happening does have an effect on your car insurance rates, although it is not an enormous one by any means. For this reason, the closer you get to tying the knot the more you might want to look into free online car insurance rate quotes to see if, as a married person, you qualify for better car insurance rates from your company or another.

Once you are wedded, you’ll want to make some changes to your car insurance policy, to begin with. Once both of your names are on there, you need to increase the amount of coverage. For example, if you each have a car you will need to up your liability coverage, most likely. Even if you may have some doubts about adding a new person to your car insurance policy, it is easier to handle when it is under the both of your names, and it is also cheaper.

Some other aspects of married life might be used to help you get better car insurance rates, too. If you guys are thinking of buying a house, or already are, you probably need home insurance. Getting both home and car insurance with the same company can get you a multiple policy discount, and you can see your rates tumble down.

Your husband also might get some good results from being married car insurance policy holder. Whenever men are under the age of 25, they pay far more for car insurance than women. If they get married, though, their rates drop by quite a bit. The fact that car insurance companies go by is that married people are more responsible drivers and less likely to file claims.

Cheers,

Fashun Guadarrama.