Here’s what you need to know about combining your auto insurance with your new spouse.

If you’ve just gotten married, then you and your spouse have a ton of major life decisions that you will now have to make. One of the things that you will have to decide is whether to keep your separate auto policies or invest in joint car coverage. Here are some of the things to consider before making this major decision.

Getting Married Will Help You Save

For the most part, simply getting married with lead to a reduction in your auto insurance rates. This is because car insurance providers consider married drivers as lower-risk when compared to single drivers. So, even if you do not choose to get a joint policy with your spouse, you can still enjoy this discount.

Combining Coverage

Oftentimes, getting a joint auto insurance policy will end up saving you money on car insurance. Because you and your spouse will only have to pay one combined premium rather than two separate ones, this will lead to savings. Additionally, having two cars insured on a single policy will generally unlock multi-car discounts, which will lead to even more money saved.

When Combining Isn’t the Best Idea

There are some instances in which combining insurance coverage with your spouse is not a great idea. For instance, if one of you has a particularly poor driving record or credit score, combining insurance coverage will cause a major increase in the lower-risk driver’s insurance costs. In some cases, it might actually be more economical to maintain your separate policies and hope the lower cost of one driver offsets the high rate of the other.

This is what you need to know about auto insurance as a newlywed.  Do you have additional questions regarding your auto insurance?  Don’t hesitate to contact the experts at Scautub Agency in Scotia, New York.  Our dedicated team is ready to assist you with all your coverage needs today.