Car insurance questions marrieds3 min read
Justice and equality scored a big win on June 26th, 2015: the Supreme Court made marriage a right for all Americans with their ruling in Obergefell v. Hodges. Writing for the majority, Justice Anthony M. Kennedy said, “No longer may this liberty be denied. No union is more profound than marriage, for it embodies the highest ideals of love, fidelity, devotion, sacrifice and family. In forming a marital union, two people become something greater than once they were.”Married couples almost always see a savings of 10-12%.Share on Twitter
The long-sought victory for the gay rights movement has been celebrated across the country in the last couple of weeks—from especially jubilant Pride celebrations, to court house marriages, and with tears of joy from the LBGT community and their allies. We at [Quoted]( would like to extend the warmest congratulations to newly married same-sex couples living in the 13 states that still banned marriage equality before June 26th. We are thrilled to celebrate joyously with friends and families and are glad to live in a country that recognizes the marital union of all couples.
With all of the cultural, financial, and legal rights marriage offers comes benefits on car insurance premiums, too (like a few extra rainbow sprinkles on your sundae). We’ve talked about car insurance benefits for married couples before, and here are some highlights to spur all you newly marrieds into action:
- Married couples almost always see savings of 10-12%, even if they maintain separate policies
- Not all married folks need to be on the same policy (consider price, services offered, and both of your driving records), but doing so could result in even more savings
- If you have other drivers in your family (especially teens) you can save a bundle by, well, bundling all of your policies
If you’re newly wed, call your auto insurance carrier to learn about potential savings if you and your spouse combine policies. You can also compare prices with other insurance companies to see if you and your family might save money elsewhere (and at the very least, you can count the research as your yearly car-insurance-shopping due diligence).Newlyweds should call their insurance company to learn about potential savings.Share on Twitter
If you’d like to show your support to companies that stood for equality before the highest court in America ruled that all people deserved “equal dignity in the eyes of the law,” here’s a (nonexhaustive) list of auto insurance companies that have extended savings to same-sex couples across the nation for a while:
- State Farm
A final note, from our President: Obama said of the Supreme Court ruling that it, “affirms what millions of Americans already believe in their hearts,” and that now, “we can say, in no uncertain terms, that we have made our Union a little more perfect.”Got a question about car insurance? Click to ask a licensed insurance agent your questions →
What coverages will pay for my medical bills after an accident?
The answer depends on who is at fault and what coverage you have.
- If you are not at fault, the other party’s liability coverage is responsible for paying your medical bills after an accident UNLESS you live in a no-fault state.
- If you are at fault, but you live in a no-fault state, your personal injury protection coverage will cover your medical bills after meeting your deductible.
- If you’re hit by a driver with no or insufficient insurance, uninsured motorist coverage can step in.
- Medical payments coverage can also be used to pay your medical bills after an accident, regardless of fault.
Another source of payment for your medical bills is your medical insurance coverage, which you can use in combination with your car insurance coverage if you need to.
What coverage will protect me if I have vehicle damages that don’t occur from an accident?
Generally, comprehensive insurance coverage will pay for non-accident-related vehicle damages. Comprehensive coverage will usually pay for costs from:
- Weather damage.
- Fire damage.
- Animal collisions.
Am I covered if my car breaks down?
It depends. If you’ve elected to purchase towing and labor coverage, often called “emergency road service coverage,” you’ll be covered for items such as:
- Tire changes.
- Locksmith services.
- Roadside labor.
Will my car insurance pay for a rental if my car is in the shop?
Typically, you’ll only be covered for the cost of a rental if you’ve purchasedrental reimbursement coverage.
NOTE: Your insurance company may require that you have comprehensive and collision insurance coverage in order to purchase this type of coverage.
What happens if I hit my own car?
If you hit one of your own cars while driving another of your cars, liability insurance will not cover you; it only covers damages to any party in an accident you cause.
However, collision coverage will pay for those damages to your vehicle if you’ve elected to purchase it.
To learn more, visit our page on damaging your own property.
Am I covered by my own auto insurance when I drive my friend’s vehicle?
Generally, yes. However, in most cases your friend’s insurance would be the primary coverage, meaning you’d only access your own coverage in the event that the limits of his policy were met.
Who is covered by my car insurance?
Any licensed drivers in your household are generally covered to drive your car, as well as anyone else who has permission to use your vehicle.
NOTE: If you exclude someone from your policy, they are NOT covered when driving your car, meaning you could be responsible for all damages if they do take your car out and get into an accident.
If I move, will my coverage change?
It might. Minimum requirements vary by states, so you may need to adjust your car insurance coverages and limits. Also, your auto insurance company may not offer service in your new state, so you might have to switch providers.
Speak with your current insurance company if you are planning to move so you make the right adjustments.
Am I covered if I drive outside of the country?
It depends on which country you’re visiting. Your car insurance usually covers you to drive in Canada; however, if you’re driving in Mexico or other countries, you may need to purchase international auto insurance.
Talk your current company before planning your trip if you wish to drive while away.
When should I reevaluate my coverage?
You should think about whether you have the right car insurance coverages for you whenever you have a major life change, such as when you buy a home, get married, or have a child. A life change can have a major effect on which coverages provide the right protection for you.
Also, it can make sense to get quotes and compare prices periodically. Many consumers stick with their insurance company out of convenience. Switching providers may save you significant amounts of money.
As a married couple there are some basic car insurance rules of which you should be aware. They are rules not in the sense that you are required to follow them any more than a single person, but that they can be beneficial to married couples if they so choose. In that sense, they are better thought of as a good choice. Among the benefits of marriage, car insurance discounts reduce the cost of premiums.
Insurance companies spend a lot of money researching relationships between certain actions and risk. They have found that married couples are, in general, safer drivers and less likely to get into an accident and make a claim on their insurance. This allows them to lower premiums and give discounts to married couples. If you are married and have not looked into your different auto insurance options, it is well past time because you could be missing out on savings.
Check Your Histories
Before you sync up your auto insurance policy, you may want to look over you and your spouse's driving history. If one of you has a spotty history with many tickets, accidents or claims, it is going to affect your policy together. A poor driving history could preclude any discounts you would be eligible for by purchasing joint coverage. If this is the case, you may want to stick with individual coverage.
Different Coverage Needs
Another reason to stay with separate policies is if one of you drives a high performance or otherwise high risk vehicle like a sports car. This, combined with a poor driving record, will probably raise your premium even if you personally drive a minivan and have never had a ticket in your life. The point is, evaluate your situation before you commit to joint coverage.
The Rule of the Benefits
There are several ways to benefit from being married and purchasing a joint policy. Firstly, married couples are deemed a lower risk which immediately lowers your premium. You are then considered a less active driver than if you were single. The fact that you may be insuring multiple vehicles provides you with another discount. If you are sharing one car but can afford it, purchase another to enjoy the discount. Because the insurance company factors in the neighborhood in which you live when setting a price, make it a priority to move to a safer area if you are not already. One of the joint aspirations of married couples is to purchase a beautiful home in a nice neighborhood, so this aligns nicely with the potential of an insurance benefit.
Laying out the rules for married couples when choosing auto insurance is not complicated--the two of you simply have to evaluate your past, present and future. That may be no easy task, but take it one step at a time. Consider your driving histories, your present insurance needs and where you want to be in 5, 10 or 20 years. Granted, it encompasses more than just car insurance, but that, like everything, is an integral part. Seek out some helpful car insurance information for yourself before deciding on any course of action, and you will be able to make the right choices for your joint situation.