Marriage and Auto Insurance Policies

By Compuquotes Team on March 27th, 2008

Auto Insurance

When you get married to someone, one of the things that you are going to be thinking about is whether or not you want to merge your insurance policies into one when it comes to things like auto insurance. This is an important thing to think about because when you are looking at two different people and two different policies, it might make sense for you to have the same one - but it might also make sense to keep them separated.

First of all, you should look at the individual car insurance polices that you each have for your own cars. Are they good policies, or would you benefit form a change in policies? Also, you want to think about how each of your policies would change by adding another person to them. Are they going to get more expensive than each policy individually? Or will it be a better deal? These are things that you have to think about, and things that you must consider, as you try to figure out what you want to do with your auto insurance polices.

Another thing to consider is the driving record of each person involved. If you attempt to put your spouse on your own auto insurance policy, and your spouse has a very bad driving record, the policy will become much more expensive for both of you. This will be something that is very difficult, so you want to be sure that you talk it over with each other and also with both of the insurance companies.

If both of you have the same insurance company, combining your policies might be easier than you think. Many times, insurance companies make it very easy to combine policies when you get married, and often they can make it cheaper for you to do so. This is something that you want to consider. Another point to ponder is whether you will be both driving the same car or not. If you are going to be driving each other's cars, you want to be sure that both of you are covered under that car's particular auto insurance policy. If you are not going to be driving each other's cars, you might not need to have the same car insurance policy. Also, if you plan on driving separate cars, it might end up cheaper to not combine your policies, based on things like driving records, and what type of car the other person has.

The best way to decide if combining your auto insurance policy is best for your marriage is to sit down with your policies, your providers, and each other, and have a discussion about what your options are. Remember that your best option might be to cancel your individual policies, and take out one together from a totally different carrier. This is always something to consider, so when you are looking at auto insurance, you want to be sure that you look at this option as well. Keep them all in mind, and you will be able to make the best decision for yourself.

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