How To Save On Auto Insurance For Married Couples

Posted on Dec 16th 2009, 07:14 pm, under Find The Best Auto Insurance Quotes

Buying auto insurance for yourself is one thing, but buying it as a married couple is another thing entirely. You may not be aware of it yet, but there are several ways that you can save on auto coverage costs for you and your partner:

1. Ask for a discount up front. Because you're living together, it's assumed that you'll each do less driving than a single driver, thereby lowering your risk and your  insurance premiums as well. In addition to this, insurance companies have found that married couples, especially those over 25, drive more responsibly than single people. Lastly, all insurance providers want to start long-term relationships with their married customers, in the hopes of eventually covering the entire family. In fact, even before you get married, you may already be eligible for a domestic partner discount, so ask your insurance agent for more information. 

2. If you don't already have two vehicles, buy another one, if possible. In addition to the cheaper rate that married couples qualify for, you may also get a multi-vehicle You can also receive a multi-vehicle discount.

3. Take a look at each other's driving records. In particular, check if either one of you has received DUI violations or traffic tickets, since these may disqualify you from receiving any married couple discounts. The following will raise your rates as a couple: a poor record as a single individual, ownership of an expensive sports car, involvement in multiple accidents, and DUI records. In these cases, it is probably better to get separate auto insurance policies instead of joint coverage.

4. Check the statistics for car theft where you live. Is your home in a safe area? If not, you can expect your auto insurance rates and premium to be higher than usual. 

5. Since you've now combined your income with your partner, you should increase your coverage limits. This provides protection for your increased assets and income. Lastly, you should both name each other as the beneficiary on your death insurance.

Get auto insurance quotes online so you can do some comparison shopping for married couple discounts. Get as wide a selection as possible so you can find the best value for your money.