When getting married determine whether or not to combine your auto insurance!

You’ve decided to get married! It’s an exciting time in your life. As you plan your wedding, remember to also think about how you’re going to intertwine your separate lives. From bank accounts to insurance policies, there are lots of decisions to make. As you prepare to get married, think about whether or not you should combine your auto insurance policies. Before you make your decision, check out this guide to help you weigh the pros and cons of combining your auto insurance policies after marriage.

Combining Policies:

Combining your policies has its benefits. As a married couple, you save money on your car insurance. Married drivers tend to be better drivers than non-married individuals. Because married people have lower risk, they also have lower insurance rates. Additionally, combining policies gives you convenience. Your coverage is on one policy, and you don’t have to keep track of two separate bills. Plus, you generally get savings with multiple cars and drivers on a policy.  If you both have great driving records, it’s a good idea to combine your policies. And, if you place your renters or homeowners insurance and auto with the same insurance carrier, there is also typically a multi-policy discount. It can be a win-win for you as you start your life together!

Leaving Policies Separate:

If you don’t have great driving records, however, you may be better off if you leave your policies separate. When you have a less than perfect driving record, insurance companies associate your driving behavior with risk, which increases your rates. When you combine your policies, this risk carries over, even if your spouse has a great driving record. It may be more expensive to combine your policies.

Before you make a decision, be sure to consult with your insurance agent about combining your auto insurance policies. Contact the professionals at Randy Jones Insurance Services, in Pleasanton, California, for assistance finding the right insurance policy for your needs.