There is no specific discount on car insurance for being married. Insurance companies automatically include your marital status in their rates. Save if you have more than one vehicle on your policy list. You can add any car to your car policy (that belongs to your spouse, family member, or roommate), as long as it stays primarily in your direction.
Many insurance providers will reduce your overall rates if you have multiple policies with them, such as life insurance or home insurance. AutoInsuresavings agents found that State Farm is the cheapest liability auto insurance company for people in St. Married couples can have separate car insurance policies, but most drivers benefit from sharing a policy with their spouse. The cost of adding someone to your car insurance policy depends on their age, driving history and credit score.
That means they're involved in fewer car accidents and file fewer claims than single drivers, making it cheaper to insure them. When looking for car insurance companies in The Show-Me State, several factors contribute to the cost of your insurance. In the event that a car accident is at fault, state minimum policies won't cover damage to your car's property. According to the Missouri Department of Revenue, a conviction for drunk driving in Missouri will increase your car insurance premiums by 52%.
If you and your partner live together, many insurance companies will allow you to share a policy that includes you and your cars. Insurance companies tend to charge married drivers less for insurance because, statistically, they are more risk-averse and more financially stable. For example, if you share car insurance with your spouse and have multiple cars, you can save money with a multi-car discount. Another way to save on your car insurance premium is to practice good driving habits and maintain a clean driving record.
However, on rare occasions, spouses may want to consider separate auto insurance policies rather than a joint policy. This Missouri car insurance guide is the best way to find affordable auto insurance coverage and helps you save money regardless of age groups or type of driving.