Auto Insurance Discounts
Reader’s Question:
I’m a bit concerned because I’m marrying someone who has a poor driving record in Waterloo, IA. With this, can I expect that my insurance rate will go up?
Joan
Waterloo, IA
If your fiancé has a poor driving record, you can expect that it will affect your insurance premium after you get married. Your car insurance policy covers you, your spouse, any other named insured under the insurance policy, and any licensed driver in your household. If any of those people in your auto insurance policy have a bad driving record, it will significantly affect your insurance rates.
If his driving record is really bad, you may want to consider additional strategies to lower your premium. If you arrange to buy all of your insurance policies which includes your homeowners policy from one company, you may benefit from multiple car and/or multiple policy discounts. Normally, in Waterloo, IA, your future spouse can take driver safety courses to improve his driving record. Furthermore, with your combined income, you might be in a position to raise your deductibles to keep your premium down.
Your fiancé may also be eligible for a low mileage discount by using public transportation for his commute to work. If all else fails, you may have the option to use a “named-driver exclusion” clause after you’re married to exclude your spouse from your insurance policy. This means that your spouse is not covered by your insurance company to drive your car. Your spouse could insure his car separately, and if it is an older model, waive collision and/or comprehensive coverage. Lastly, your insurance agent can discuss all of your policy options with you and make suitable recommendations.
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