Couples Get Cheap Car Insurance Rates? You bet!

Along with love, devotion and commitment, marriage also brings with it financial advantages including substantial discounts on auto insurance. Married couples can save as much as ten percent on the cost of car insurance by insuring their vehicles jointly. Couples can also take advantage of a variety of discounts and price reductions designed to make beginning a new life together an even sweeter deal. Depending on state regulations and corporate policies, partners living in domestic partnerships and civil unions may also be entitled to these discounts from major auto insurance companies. CheaperCarInsurance.com can help you and your partner find the right coverage at the right price, allowing you to start your lives together with a little extra cash in your pocket. Getting quote is insanely easy and all you need to do is fill out the form above and you’ll be on your way to a real quote from a top insurance provider in no time!

Added savings for younger drivers

Getting married can have an even greater effect on the cost of car insurance premiums for couples under the age of 25. These drivers are usually subject to a significant increase in their premiums due to actuarial studies that indicate younger drivers are more likely to be involved in at-fault accidents. Marriage is presented by those same studies as a mitigating factor for the higher risk, so married couples enjoy lower combined rates than the same two individuals would be offered separately whether one or both drivers is under 25 years of age.

Good driver discounts

Married couples and domestic partners can save even more if both drivers on the policy have clean driving records. What constitutes a clean driving record, however, can vary significantly from one insurer to the next. In most cases, three years without an accident or ticket is enough to ensure that good drivers get the lowest possible rates. Premium rates may be reduced even if only one partner is eligible for a good driver discount, but the best rates go to couples in which both partners qualify. Many major insurance companies also offer accident forgiveness, a valuable added feature that can prevent rate increases even after an at-fault accident for drivers who have maintained an outstanding driving record in the past.

Better rates for better credit

Many insurance companies do a preliminary credit check as part of their overall assessment of risk for new policies. Better credit scores typically result in lower overall car insurance premiums, so it may be worthwhile to do some clean-up work on credit reports and ensure that all information reflected in these records is accurate and explained. By maintaining a clean credit history and working to correct any past mistakes, couples can often achieve better credit scores and better rates from major insurers.

Cheaper rates with multiple car discounts

For couples with two or more vehicles, multiple car discounts from major insurance companies can significantly reduce the overall cost of car insurance. Depending on the age and condition of the vehicles, married couples can customize the coverage for each vehicle and carry only the coverage they need for each car on their policy. By maintaining full coverage on newer vehicles and liability-only coverage on older cars, couples can take full advantage of multiple car discounts while managing the cost of their auto insurance more effectively.

Combine and save

Both newlyweds and couples who have been together for some time can save on auto insurance by combining it with other policies from the same company. Couples can combine renter’s insurance or home insurance policies with auto insurance on one or more vehicles to achieve significant savings on both sides of the equation. Insurance companies offer these package discounts to attract and retain business, allowing couples to enjoy the financial discounts while maintaining adequate insurance on all their real and personal property.

Other ways to save on auto insurance

Money can be tight for couples just starting out in the working world. By managing the cost of car insurance more effectively, married and unmarried couples can save money for the things that matter most. Here are some other ways to save on the cost of auto insurance that are available regardless of marital status or living arrangements.

• Shop around – CheaperCarInsurance.com offers a free rate quote service that can serve as a starting point for finding the best possible deals on car insurance. By taking advantage of this easy-to-use resource, couples can narrow down their choices and get the best rates on the coverage they need.

• Education is key – Defensive driving courses are recommended by many insurers and can lead to significant discounts on monthly insurance premiums. By learning to avoid accidents before they happen, drivers can save money on car insurance while practicing driving skills that may save lives as well.

• Economize and save – Green-friendly, economical cars offer big advantages at the gas station and may save drivers some green on the road as well. Economy cars are typically less expensive to insure than high performance models, so it’s a good idea to replace that muscle car with a more practical and fuel efficient model. Don’t forget to check on safety ratings; safer cars are cheaper to insure as well.

• Reduce your use – Consider walking or riding a bike rather than driving for shorter trips around the neighborhood. Couples can share this healthy activity and reduce their annual mileage, allowing them to save on the cost of insurance while enjoying time together in the great outdoors.

At CheaperCarInsurance.com, we know that beginning your life together as a couple can be an expensive undertaking. By incorporating these helpful guidelines and comparing rates with our free rate quote resource, you can save on auto insurance and keep more of your hard-earned cash in your pocket.