A newly married couple has quite a bit to think about and a number of quick decisions to make. Couples need to think about whose furniture to use in a home, whose medical insurance to use, and whose car insurance to use. While it's possible to keep separate auto insurance policies, buying a joint policy simply makes a lot more sense - it's a much cheaper option, as car insurance providers will usually offer a discount to newly married couples who form a joint policy, and it can make monthly bills much easier to manage. However, deciding whether to use the bride or the groom's car insurance company can be a difficult process for some couples.
The first step to take is to contact each person's car insurance company to see what rates will be like after the joint policy is signed. This can take some time, and it's best to use an insurance agent, as the agent will be able to make sure that all aspects of the two policies are effectively equal. This will ensure that you're getting the best possible pricing on the joint policy without sacrificing car insurance coverage - although if you've been buying two independent policies from separate companies, chances are good that one partner's insurance coverage will change slightly when the new policy is formed.
It's a very good idea to look online for car insurance quotes before starting any new policy, particularly a joint policy. There are a number of websites that newly married couples can use to check their car insurance rates and make sure that they're receiving a fair price for their coverage. Independent car insurance websites are the best option, as they allow married couples to enter information into a single form to see six or more car insurance quotes from major companies. This can be a great way to check out the other options available to you, and in many cases, it may turn out that a third party offers a better deal than either the bride or the groom's car insurance plan.
When you sign up for a joint car insurance policy, remember than any accidents or citations from either partner will affect the overall cost of the policy. Work together at keeping your car insurance rates low and look for new quotes once or twice a year to ensure that you're getting the best possible deal on your coverage. Newly married couples can certainly use the extra money that a joint car insurance policy can provide, and with the right shopping techniques, finding a great policy can be easy.