Any decrease in your car insurance rate is a good decrease, and of course, the larger the decrease, the better the benefit for your wallet. One of the best ways to get a decrease in auto insurance premiums is to get a multiple driver discount. Insurance companies give this special discount to families and married couples that combine their policies. However, many drivers wonder whether it's necessary to be related in order to get a multiple driver discount - can unrelated drivers share the same car insurance policy, and if so, will they receive the same discounts to their rates?
Some car insurance companies do actually require people to be either married or related in order to be under the same policy. However, this is not always the case. In fact, many insurance providers only require two people to be living in the same residence in order to put them on the same car insurance policy. The only way to be sure if this is possible for you is to contact your car insurance company and discuss the situation. Be sure to make it clear that you'll be investigating other car insurance options if your insurer will not allow multiple drivers to be on the same policy. It's alright to play a little hardball. Most insurance agents won't want to lose the business, and they'll try to find a way to combine your policies.
If your current car insurance company will not allow multiple drivers to be joined under one policy, follow up on your warning. Shop around. Look to online car insurance comparison websites, which can help you find a great deal that will cover both (or all) of the drivers in your home. Again, don't be afraid to negotiate. Point out that you're moving two drivers to the prospective companies, not just one, and try to get the best deal possible. Be careful to keep your coverage levels at a reasonable rate, and, of course, you should always consult with the other person involved before changing his or her insurance policy. It is likely that you will be able to receive the same discounts from your car insurance company as a family or married couple will receive, though there may be additional discounts not related to the multi-driver policy that you aren't eligible for. An example would be a discount designed specifically for dependents.
Make sure you are getting the car insurance rate possible for the situation that you are in. In addition to looking into multiple driver discounts, also inquire about other discounts you may be eligible for. Ultimately, you may end up saving hundreds of dollars on your car insurance premiums by doing so.