3. When to Keep Car Insurance Policies Separate

Though marriage can unlock the opportunity of new savings on auto insurance policies, this is not always the case. There are also side affects for married couples when they combine their car insurance and times for few couple it seems to more damaging than combining the insurance. This is because, if you spouse have a bad driving record, combining car policies will not be a preferable option as living with a risky-to-insure driver will make you risky to insure, too.

4. How Your Spouse's Driving Record Affects You

If you are married to some one who has a habit of rash driving, break traffic rules, often incur moving violations and have number of claims, all these can lead to increase your insurance amount too even you have separate policies. Auto contraventions such as speeding tickets, car accidents, or DUIs will reason an insurance company to look upon the account as a larger risk and spark a policy-wide increase despite of which the other person of the couple is at fault. Because insurance companies believe the driving records of all family members staying together within the same household when countersigning policies, having a high-risk driver sharing and therefore your roof makes you riskier by association.

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