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Your guide to marriage and combining your auto insurance policies!
Tying the knot? Congratulations! There’s lots to think about as you start off your marriage. Together, you must decide how you want to live. As your two separate lives become one, there are compromises and decisions that must be made. From deciding where you want to live to managing your finances, it’s important to determine how you plan to combine your lives. When it comes to your car insurance, you must decide whether or not to combine policies. While you may think it’s a no-brainer, there may be reasons why you want to keep them separate. Check out everything you need to know about your auto insurance and marriage with this guide.
Combining Your Policies:
As a married couple, you save money on your auto insurance premium. Married drivers tend to be better drivers than non-married drivers because they take fewer risks. When you combine your car insurance policies after marriage, you have an opportunity to save money. Not only do you have the upper hand demographically, but you also tend to save when you have multiple drivers on a policy. If you both have great driving records, it’s likely in your best interest to go ahead and combine your policies.
Leaving Your Polices Separate:
For convenience sake, combining your auto insurance policies makes sense. You’re combining your lives as a married couple, and it only makes sense to combine your insurance policies and finances. However, it’s not always the case. While it may be more convenient, it also may be more expensive. If one of you is a great driver, but the other is a speed demon, it may be better to leave your policies separate. Insurance rates are determined by risk. If one of you is low risk and the other is high risk, your monthly premium also increases when you combine your policies. Before you decide to combine your policies, be sure to consult with an insurance agent to make sure that joining your insurance policies is the right decision.
Decide whether or not to combine your auto insurance after you get married. For help finding the right policies, contact the professionals at Cook, Disharoon & Greathouse, Inc. Located in Oakland, California, we serve all your personal and commercial insurance needs.
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