Your question: Do married couples have to have the same auto insurance?

Can a husband and wife have different auto insurance policies?

Yes, you can have two separate policies. This can have its benefits in some cases. However, you will still need to be listed on each other’s policies as household members/spouses but you can be excluded.

How does car insurance work married?

Getting married, therefore, generally has a positive effect on your car insurance rates. Most auto insurance carriers offer a discount to married drivers. Even men under 25, who generally get stuck with the highest auto insurance premiums, receive a discount for being married.

Do I have to put my wife on my auto insurance?

No. You do not have to add your spouse to your car insurance. Most car insurance companies will want all licensed members of your household listed as drivers, to make sure your policy’s rate is calculated properly.

Can I add my husband’s car to my insurance?

How does joint car insurance with my spouse work? If your spouse drives your car and damages it, it’s usually covered if you added comprehensive and collision coverage to that car. The same applies if you drive your spouse’s car and damage it. You’ll just have to pay your car insurance deductible.

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Will my car insurance go up if I add my wife?

Your car insurance will go up if you add your wife to your policy and your insurance company views her as a relatively high-risk driver. Your car insurance rate will also go up if your wife has a vehicle that you are adding to the policy as well.

Do you get a discount on auto insurance if you are married?

Auto insurance is cheaper when you are married than when you are single. Based on our analysis, for drivers in U.S., we found that full coverage car insurance costs $123 less annually for married couples than for single drivers — a 5% savings. Rates are the average annual premium for a full coverage policy.

Can I add my boyfriend and his car to my car insurance?

Yes, you can add your girlfriend or boyfriend to your car insurance. Generally, if you and your significant other live at the same address, your car insurance company will consider them a member of your household and request that you add your boyfriend or girlfriend to your car insurance policy.

Do insurance companies check if you are married?

Answer: Yes — employers generally may require proof of marriage before adding a spouse to the company health-insurance plan. In fact, employers may require verification, not only of spouses, but of all dependents.

Can someone drive my car if they are not on my insurance?

If a friend or a family member has an accident and isn’t insured, then you will have to use your insurance. Unless you have expressly denied that driver permission to use your vehicle.

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