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Will Marrying Someone with a Poor Driving Record Affect Your Auto Insurance Rate?

Thursday, January 14th, 2010

When you’re tying the knot, there’s a lot to think about. For most couples, thinking about your new combined auto insurance rate isn’t something that comes as a high priority on your wedding day. However, it’s a very important thing to consider when planning your new finances and budgets. In most cases, combining both spouses’ car insurance policies will result in a lower auto insurance premium, which is, of course, a very good thing. Insurers consider married couples to be less of a risk, and they will usually give them multi-policy discounts when they picking up a new policy. However, your insurance rate may actually increase if your new spouse has a bad driving record.

Because a joined auto insurance policy essentially combines the driving records of both drivers, you might see quite the rate hike in your insurance bill after you get married. Of course, if you and your spouse completely combine your finances, you’ll see an overall drop, as his or her policy cost will go down proportionally. If you maintain separate accounts, though, it can seem like a raw deal for the good driver. Luckily, there are a number of steps you can take to make sure you and your spouse end up in a fair auto insurance position and get an overall decrease in your auto insurance bill.

First, you should recognize that combining your policies is the perfect time to re-evaluate the coverage that you’re paying for and the insurer that you’re using. Go online and get an auto insurance quote or two (or three, or five) from your insurer’s competitors to see how rates stack up. Your new married status is a big draw for insurers, and you’ll see rates vary pretty wildly from insurer to insurer. If you find a better insurance rate for the same amount of coverage at a different company, contact your current insurer with the news. They’ll often try to meet or beat their competitors’ prices. You can also see if there’s anything that your spouse can do to improve his or her insurance risk level. For instance, many drivers with a few citations or accidents on their records can take defensive driving courses or drive safer vehicles to bring their rates down. Adding car alarms to both of your vehicles can also help. Your insurance agent will likely have many more suggestions that can lower your premiums.

In any case, remember that accidents and other incidents are removed from drivers’ MRV (motor vehicle report) after a state-mandated length of time — usually two years for most incident types. If your combined auto-insurance rate seems very high, you’ll probably just have to wait for them to drop again.

What Kind of Auto Insurance Options Do I Have with a Spotty Driving Record?

Tuesday, June 30th, 2009

Fearful of calling for an auto insurance quote because of a few mistakes on your driving record?

If you have an imperfect driving history, know that getting an insurance quote does not have to be as much of a hassle as traffic court. We provide auto insurance quotes online and guarantee you will get your quote quickly by our professional staff.

We know you have better things to do than spend an hour on the telephone getting a car insurance quote. So we will keep the questions online and to a minimum, and you will have your auto insurance quote in minutes. Getting a car insurance quote is something that you have to do in order ensure your safety and the safety of your family. By giving you an auto car insurance quote online, we eliminate the long, drawn-out telephone conversations other companies put you through.

And if your driving record is less than stellar, that telephone conversation regarding an auto insurance quote can be especially painful. We know this.

That is why we are changing all that. We are taking the pain, stress, and wasted time out of getting a car insurance quote. Getting an auto insurance quote online from us is one of the best decisions you will ever make. Getting an auto insurance quote online from us will save you time and money – two key commodities in this day and age.

If you are getting a car insurance quote from us, you can be certain it will be fast, fair, and focused on saving you money. We make our auto insurance quotes with our customers in mind. We want you to be happy and to stay with us for your insurance needs. That is why we pride ourselves on our procedure of giving auto insurance quotes online.

Once you get a car insurance quote online from us, you can rest assured that you will be getting the best value for your money. Our auto insurance quote will save you money. Plus, our car insurance quote online will be quick and have you back doing what you would rather be doing in no time.

You will be amazed at how quick and hassle-free getting a car insurance quote from us can be, even if you have a spotty driving record. Our online car insurance quotes will beat any competing coverage for the money, and our coverage will be there for you regardless of your driving record. Getting a car insurance quote from us can help save you hundreds of dollars and precious time.

Get your auto insurance quote from us today. You’ll be glad you did.

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