Is Car Insurance Cheaper When You Are Married?

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One response to “Is Car Insurance Cheaper When You Are Married?”

1. 

   July 15, 2013

   Drew Delaney, CLCS

   The best answer to this is maybe.  

   You can receive discounts for many things when applying for auto insurance.  One of the available discounts is being married.  However, if you are married, and only have one car then you are effectively nullifying the discount.  The reason for this is the corollary discount to being married is the multi-car discount.  If you are sharing a car with your spouse, then you will be rated for two drivers with one auto, which means more exposure and subsequently higher premiums.  

   So the best way to maximize your insurance discounts is be married, each drive your own car, and throw on a type of homeowners policy, even if you are just renting. 

   I hope this helps.