Most people, after they have purchased car insurance, never ever review it. In fact, most people do not realize that they might actually be overpaying for auto insurance. Changes in your life, such as getting married, can directly affect your car insurance rates and this should not be overlooked. What most people do not realize is that there are car insurance policies available exclusively for newly married couples. By getting this type car insurance policy, you might be able to save big money on your car insurance rates.
Many insurance companies provide lower car insurance rates to newly married couples. This is actually based on the statistical fact that married people are less likely to be involved in major car accidents. There could be several reasons for this, such as, a married driver is less likely to drive at night or is generally more responsible, compared to an unmarried driver. Many insurance providers rely on the highway safety board's statistics to help them come up with premium rates. And newly married couples stand a better chance of finding discounted car insurance rates.
In order to find the best car insurance rates, you will need to do a bit of research. The easiest way to do this is to search for the internet. Make sure to search for car insurance quotes that are targeted towards newly married couples. In fact, there are many websites that provide free care insurance quotes. You can even compare car insurance quotes and then select one that is relatively cheap.
If you are not happy with the online car insurance rates, you always have the option of approaching an insurance agent or insurance company directly. This way, your chances of negotiating are higher and you will be able to get better rates.
In addition to reduced car insurance rates for newly married couples, some insurance companies offer other discounts as well. For example, you might be able to get multiple vehicle discounts if you have more than one car. It does not matter if the cars are old or new, the fact that you are purchasing the insurance from the same company should work in your favor. Some insurance providers even offer savings based on good credit background. You could also consider enrolling your spouse for a defensive driving course, which might bring down the cost of car insurance.
Most insurance companies are willing to offer better car insurance rates for newly married couples. Since married couples are known to be more responsible, the chances of accidents are much lesser. This in turn works in their favor and the chances of them getting reasonable car insurance rates are higher.