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Are Married Couples Entitled To Lower Auto Insurance Premiums

When getting married, there are many things that change for the new couple. An often overlooked category that could save you money once you are married is your auto insurance. Insurance companies in New Jersey advise you to ask your carrier if you qualify for lower premiums once married. Even if you don't, it's important to understand why. There may be reasons that can be ameliorated over time, allowing you to obtain cheap car insurance in the future after problems are been resolved.

Multiple Car and Married Couple Discounts

If you and your new spouse have previously been covered by separate insurance companies in New Jersey, check with both companies to see what discounts might apply when covering multiple vehicles. Nearly all companies provide this type of discount. Choose whichever company provides the greater benefit. If both discounts seem small, get quotes from two or three other car insurance providers. You could end up saving a bundle with a cheap car insurance carrier who still provides excellent coverage.

Some insurance companies in New Jersey offer discounts just for being married. Their statistics may show that married people are a lower risk than single people. In addition, some companies offer discounts for having multiple policies such as home or renters insurance in addition to auto insurance.

Spouse With A Bad Driving Record

Sometimes a spouse could actually increase the premium on a joint policy if his/her driving record is poor. You will have to determine whether any discounts such as a multiple car discount, married couple discount or multiple policy, will outweigh any negative impact you could receive due to a poor driving record. Sometimes it is best to keep policies separate if the premium would increase, at least until the violations and points have fallen off your spouse's driving report.

Other Factors Affecting Rates

For some insurance companies in New Jersey, your new spouse's credit rating could affect your premiums. This could be either beneficial or detrimental. Individuals with poor credit ratings are statistically more likely to file a claim than individuals with stellar credit ratings. Conversely, individuals with terrific credit ratings can reduce rates with some carriers. In addition, claims filed by either spouse can affect premiums for you as a couple.

Gender and age also have an impact on premiums. Male drivers typically are charged higher rates than females, although this can be significantly affected be their age. Further, the make and model of car each of you have can affect your rate as a married couple. Sports cars incur higher premiums. If you have been driving a sedan and you marry someone who owns a sports car, married couple premiums will certainly increase. In some case, it may be cheaper to keep coverage separate.

About Author John V :

Visit us at and let us provide you with the best possible cheap car insurance, without all the hassle. Managing your policy is easy. We provide a range of online tools that allow you to check the details of your policy, update or change your policy as well as make payments.

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Article Added on Thursday, June 13, 2013
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