Does change in civil status make insurance rates cheaper? If I get married will I be able to save money on my car insurance in Boston, Massachusetts?

Cole

Boston, MA

Most car insurance companies offer a variety of discounts that can save you money on premiums. However, all the discounts that a particular company might offer may not be available in every state. There are many factors that are being considered by car insurance company for you to be eligible for discounts and there are factors that can also affect your car insurance rates. Once of the factors considered is your marital status. Married people tends to be more experienced, responsible and more stable. So it might be possible to save money on your auto insurance premiums in Boston, Massachusetts if you get married. If both of you have good driving records, it could even help with the insurance rates. Generally, insurance companies find that married couples are safer than single individuals.

In Massachusetts, the Division of Insurance lists a 5% discount can be applied to the premium paid for compulsory coverage and, if selected, optional coverages if a married couple own two or more vehicles insured by the same car insurance company, generally known as a multi-car discount. However, if your fiancé has a bad driving record, you can expect it to affect your insurance premium after you get married. Your car insurance policy covers you, your spouse, any other individual insured under your policy, and any licensed driver in your household. If any of those people have a poor driving record, it will surely affect your rates.

Will I save money on my auto insurance if I get married?

Hanna

Boston, MA

Yes, it may be possible to save money on your auto insurance premiums in if you get married. If both of you are good drivers meaning you both have good driving records, it could help lower your rates. Insurance providers generally find married couples safer than single individuals.

The Division of Insurance in Massachusetts for instance, lists a 5% discount can be applied to the premium paid for compulsory coverage and, if selected, optional coverages if a married couple own two or more motor vehicles insured by the same insurer. Usually, this is known as a multi-car discount.

Is it true that married couples will get a lower rate on their car insurance than non married people?

Yes, usually that statement is true. It is a good idea to put your spouse as a named safe driver on your car insurance policy. Many auto insurance providers offer discounts when a spouse is added as a named good driver as opposed to unmarried couples, as they tend to see marriage as a sign of stability.

In some cases you could be eligible for a big discount. Often the expected savings is around 15-25% on your annual insurance premiums by doing this. Hope that helps……now get married!

Justin