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When a couple gets married, they combine their households, their bills, and many of their material items. Though some aspects may become more expensive after you get hitched, your auto insurance typically isn't one of them. In most circumstances, car insurance premiums go down once you tie the knot. Below, learn how getting married will impact your auto insurance policy. 

How Marriage Affects Auto Insurance

Married people get into fewer auto accidents than single drivers. Married drivers are also viewed as safer drivers and more financially stable by insurance companies. Because of this, most of the time, your car insurance premiums will be lower after you get married. Also, many insurance companies offer multi-car discounts, so if you and your spouse have more than one vehicle, you can receive even lower rates. Keep in mind that changing your place of residence may also impact the cost of your insurance.

How to Update Your Policy

auto insurance Once you are married, if you and your spouse have the same insurance carrier, a simple phone call can combine your policies into one and apply the married discounts.

If you and your spouse have different insurers and don't know which one is the best option, contact your insurance agent. Your agent can help you compare the quotes from each insurance carrier. You should also shop around to other companies to find the best coverage at the most affordable price.

When It Makes Sense to Have Separate Policies

Though most married couples combine insurance, in some circumstances, it makes sense to keep your insurance policy separate from your spouse. For example, if one of you has a very poor driving record and an expensive, high-risk policy, it might drive the combined cost up. If you decide to keep separate car insurance, in some states, you can add a driver exclusion that prohibits your partner from being covered under your policy. This will also keep your rates down. However, this also means your spouse should never drive your vehicle.

 

If you are looking for a reliable, experienced insurance agency, contact the team at Superior Insurance™ in Durham County, NC. They will shop around with multiple carriers and discuss your coverage options with you to help find the best fit. In addition to auto insurance, they also provide home, life, and commercial insurance policies to residents and businesses in Raleigh, Durham, and Chapel Hill. Call (919) 224-8034 to get a free quote or visit their website for more information about their services.

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