Monday, May 11, 2009

Marriage And Cheap Car Insurance -- What Is The Connection?

By Chimezirim Odimba

Are you planning to get married in the near future? Are you prepared for its impact on your auto insurance policy? With proper knowledge and planning, you can easily utilize your marriage to bring down your auto insurance premium. Read on to find out how you can get cheaper auto insurance deals after you get married.

A married person can obtain auto insurance at very low premium as compared to an unmarried person. However, benefits of marriage do not end here. There are many other ways in which a person's marriage affects his or her auto insurance premium.

If your spouse too owns a car, has it been insured? Why deal with two different insurers for two cars in the same family? You can obtain cheaper deals by approaching a single insurer for insuring both your cars.

Insurers offer deals at low premiums to married persons. You can demand extra discount on the additional policy you purchase. If you do not want to opt for an additional insurance policy, you can opt for a new policy which provides adequate coverage to both your automobiles. Another advantage of having a spouse who owns a car is that you can share cars and bring down number of miles driven in a year. Auto insurers calculate risk of accidents by the number of miles driven by the insured. If the insured drives a lot, he or she faces higher risk of accidents.

Sharing cars with your spouse will help you drive fewer miles and reduce chances of accidents. Sharing cars with your spouse is the easiest way to cut down on your fuel, maintenance and auto insurance costs.

You can obtain benefit of your spouse's choice of car. If you spouse owns a 'safe' car, it will bring down cost of insurance of both your cars.

If your spouse has a poor driving record, obtaining auto insurance may be an expensive affair. If your spouse is a high risk driver, you to may have to pay a high premium if you opt for combined auto insurance. To bring down cost of your auto insurance, you may have to take the risk of opting for a high deductible on your policy.

The best way to find an affordable auto insurance policy after your marriage is to extend your search over the World Wide Web. You can easily compel insurers to compete with each other and offer maximum benefits to win your deal.

The best part is that these online quotes are available at zero cost and zero commitments. You just have to choose your deal from about five of the top deals. Why pay high premiums when you can easily bring down your auto insurance by virtue of the fact that you are married?

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