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Are you getting ready to marry someone with a poor driving history? If so, you will likely experience a jump in your car insurance rates. After all, with someone with a poor history getting behind the wheel, there is an increased chance that your car will be involved in an accident. So, what can you do in order to enjoy wedded bliss without having to worry about going broke paying your car insurance?
Getting Married Versus Living Together
If you are already living with your soon-to-be spouse, you may have actually already experienced a premium rate increase. This is because your rates are not simply calculated based on whether you are married or not. Rather, anyone living in your household is considered when calculating your car insurance premiums. This is because anyone living in your home is likely to drive your vehicle. In this case, once you get married, you might actually see a slight decrease in your rates. This is because getting married is viewed as a sign of responsibility by some insurance companies.
Keeping Your Spouse on Your Policy
If you want to keep your spouse on your policy, there are some things you can do to help keep the rates low. For example, your spouse may be able to take driver safety classes in order to improve his or her driving record. Whether or not this will improve your rates depends upon the state in which you live as well as the insurance company. Otherwise, your only options are to purchase older cars with lower insurance premium rates and to increase your deductibles so your premiums can go down. It is also possible that you will qualify for certain discounts, such as a multi-car discount if you have two or more cars on the same policy. Or, if your spouse drives a lower number of miles with his or her vehicle, you may qualify for additional discounts.
Obtaining Separate Policies
If all else fails, you might want to consider obtaining separate policies. In this case, you will need to add a “named driver exclusion” clause to your policy. With this clause in place, your spouse will not be covered by your insurance policy. Therefore, he or she will have to obtain a separate policy. In this case, your spouse should still consider obtaining an older vehicle and taking advantage of any possible discounts in order to keep his or her policy as inexpensive as possible.