Marriage & Auto Insurance: Let An Independent Insurance Agent In Chicago Help You Combine Your Policies!

April 28, 2016

Determine whether you should combine car insurance policies after marriage with the help of an independent insurance agent in Chicago!

Congratulations! You’ve decided to settle down and get married. As you start to make all the wedding arrangements, it’s important to think about your future together. You will have a marriage after the wedding after all. Together, you must determine how you want to combine your lives. Do you want to compile all your finances? Do you want to live in the city or move to the suburbs? Do you want to combine your insurance policies? When it comes to your insurance, you must make the decision as to whether or not you want to keep your policies separate or if you want to combine your policies. This is especially important when it comes to your car insurance. Before you make your decision make sure to consult with an independent insurance agent in Chicago, and check out this guide to marriage and auto insurance.

When to combine policies:

Good news! As a married couple, you get the benefit of lower insurance rates. Married individuals tend to take fewer driving risks than their single counterparts. Because you’re less risky as a married person, you save a bit on your auto insurance. Additionally, you tend to save money when you have more than one driver on your auto insurance policy. If you both have excellent driving records, and you’re happy with your coverage, there’s no reason not to combine your auto policies. Just be sure to go over all the fine print to ensure that you’re getting the coverage that you want.

When to leave policies separate:

While it may seem like it makes sense for all married couples to combine their car insurance, that may not be the case. If at least one of your driving records is a little less than perfect, you may want to hold off on combining policies. Risky driving is associated with higher costs. Should one of you have more driving infractions than the other and you combine your policies, you may increase the total rate that you pay for insurance. Be sure to look into whether or not combining your auto insurance will be more expensive before you make the switch.

Be sure to start off your marriage with the best auto insurance. Have an independent insurance agent in Chicago at Thomas Ward Insurance, help you find the right policy! Located in Chicago, Illinois, we serve all your personal and commercial insurance needs. Contact us for more information.