There’s so much to be excited about when getting married. From tax breaks to the honeymoon, marriage is beneficial for a variety of reasons. When it comes to car insurance, though, things can either go in one of two directions — good or bad.

Your spouse’s driving record will affect your insurance rates, just the same as yours will affect your spouse’s. This means if your spouse gets a speeding ticket in Castlewood, CO, your rates will likely be affected negatively.

The best way to ensure that your spouse’s driving record doesn’t affect yours is by not adding him or her to your policy. However, in order to do this, you will need to speak with insurance agents in 80112 to make sure this is possible. And if you do take this route, then legally, your spouse will not be allowed to drive the insured vehicle.

There’s nothing wrong with not wanting to add your spouse to your policy if you know he or she is a high-risk driver, but make sure you clearly outline this preference of yours when asking for quotes. You don’t want to waste your time searching for an insurance policy that doesn’t allow you to avoid adding your spouse.

The important thing to keep in mind is that for every speeding ticket or traffic violation your spouse gets, an insurance policy will go up about $10 a month; that’s $120 a year. If your spouse averages two speeding tickets a year, that’s $240 extra each year that you’ll have to pay on your policy if he or she is added to it.

Although marriage is a great thing, when it comes to auto insurance policies, if there is a high-risk driver, it’s best to keep policies separated.