Combining Your Auto Insurance When You Marry

Combining Your Auto Insurance When You Marry

You combine a lot of things when you get married. You might not have known it, but you and your spouse can combine your auto insurance when you get married to save money.

Why Insurance Companies Give a Discount

Something happens to people when they get married. They become safer people. Married people get into fewer accidents than single individuals. Insurance companies value safe drivers, so they give them lower rates. You can save money by combining car insurance policies with your spouse. In some cases, you can also combine policies if you are a domestic partnership.

How You Qualify for the Discount

Rather than simply getting married, you both also need a few simple qualities to qualify for the better rates. Come talk to an agent at Compass Insurance of Centennial, CO to find out how much you both could save. You both need to have a clean driving record and no recent gaps in coverage. When you insure multiple vehicles on one policy, you can qualify for a multi-car discount. If you have separate insurers, you can move the one at another insurer to Compass, then combine them.

When You Shouldn’t Combine

Sometimes, you need to keep your policies separate. If one spouse has a poor driving record or a DUI, combining won’t get you a lower rate. In fact, it would likely raise the cost of the low-risk driver’s policy. Also, avoid combining if one spouse has had to file a lot of auto insurance claims. That could increase your premiums. Finally, if one spouse drives an expensive vehicle like a Jaguar, Camaro or Corvette.

Call or come by Compass Insurance of Centennial, CO to learn more about combining auto insurance. We can help you determine which insurance option is right for you.