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After you get married, there will be many important decisions you must make as a couple. Many of these revolve around finances and insurance, and most newlyweds combine their insurance policies. However, if your spouse comes with a blemished driving record, you will want to think extra carefully about whether or not sharing a policy is the right move for your situation. Their history as a bad driver can significantly affect the car insurance quotes you receive. Below are some factors to take into account as you explore different ways to keep your premiums as low as possible.

How to Get the Best Car Insurance Quotes as a Married Couple

How Marriage Impacts Car Insurance Rates  

car insurance quotesWhen car insurance companies calculate how much you should pay for coverage, they look at many factors that help them determine how likely it is you will file a claim. Some of their considerations can end up being beneficial for married couples. Insurers will often offer discounts for insuring more than one vehicle, for being a homeowner, and for the marriage itself. This is because they tend to view those who are married as more stable, reliable, and safer drivers than single people. For these reasons, you may wish to add your spouse to your policy.

When to Consider Separate Policies

On the other hand, a driving history that includes multiple accidents and traffic tickets can wipe out the discounts you receive as a married couple. In this instance, there’s a good chance you will get better car insurance quotes if you keep your policy separate from your partner’s. A person’s driving record holds a great deal of influence over their policy premium. Be sure you still list your spouse as a driver on your policy to make sure you’re both appropriately covered at all times. 

 

Even if your new spouse has a less-than-perfect driving record, an insurance agent can help you go over a variety of options to find the best rates available. The professionals at 1st Choice Insurance have worked with high-risk drivers in Fairfield, OH, over the years, and they are known for providing high-quality coverage at affordable prices. They will take care of all the legwork involved in comparing policies and look for ways to maximize your savings. Call (513) 860-0666 to request car insurance quotes, or visit them online to view the different services they offer.

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