When shopping for car insurance do you wonder is auto insurance cheaper if you are married? It is very common that married individuals will be able to obtain lower rates than those who are single. There are many different reasons why this occurs and you will want to keep reading to learn what they are. After reading this article you should have a good idea as to why insurance companies believe married couples have less risk. The last thing you want is to get into an accident and not have any insurance coverage because you were married.
When an insurance company charges a higher rate to a person they consider to be married the most likely reason is because they are more likely to stay in the car. If someone is constantly driving and making insurance claims, they are more likely to get into an accident. This means that the cost of their policy goes up and they end up paying higher premiums.
There is no guarantee that a person who is married will stay single for life. One person may marry and remarry while the other does not. This also means that the insured may remarry without purchasing auto insurance. If you are still paying high premiums on your current policy and you are not having to make any additional claims then you may want to check your rates again. The reason you are being charged such a high premium may be because you are married. You will want to check with your agent to see what the cost of insurance is for people in your situation.
You may also find that you are able to get a better rate if you have more than one vehicle insured through the same company. Married people tend to own more cars than those who are not married. This means they will have more than one vehicle insured through a certain company. If you have multiple vehicles insured, this will increase your premiums. If you want to find out is auto insurance cheaper if you are married, then you can do a search online to find out.
When you receive these auto insurance quotes, you will be able to compare them. In order to get the best quote, you may have to obtain at least three different quotes. By obtaining at least three quotes you will be able to see which company will offer you the lowest rate.
Once you know how much you will be charged for your insurance, you can then decide whether or not you want to pay this fee. If you are getting a quote for the same vehicle that is already insured, then you can simply add the additional driver onto the coverage. However, if you are buying a new vehicle you will have to take out a full policy. Then the added driver will have to pay his or her own deductible in order to drive the car. So if you are asking is auto insurance cheaper if you are married, then you can eliminate this fee. However, if you have never had this type of insurance policy before, then you may want to take a few minutes and consider the pros and cons of having full coverage insurance.