Have you recently gotten married? Are you wondering whether you should combine your car insurance to both be covered under the same policy? There is no right or wrong answer; but it is definitely something you should look into.
Most insurance companies consider married couples a lower risk than single drivers; they are perceived as safer drivers. Because of this, most married couples will qualify for lower insurance premiums. Another benefit to combing your car insurance coverage is that you can qualify for the multi-car discount. These savings can be significant.
One reason to keep your policies separate is if one spouse has a bad driving record. Your cost may actually be more than what the two of you pay separately or the insurance company may be unwilling to add the spouse with the bad record. If you have joint insurance and one spouse is at fault in an accident, then the premiums are certain to increase affecting both drivers.
If you have questions about your automobile policy, call Insurance Doctor. We can evaluate your current policy and find the best deal for you and your new spouse.