However, it usually makes sense to do so. The combination of policies may qualify couples for. Married couples don't have to combine insurance policies. Combining policies may qualify couples for discounts and lower rates.
If you and your spouse have a good driving record, the savings you could qualify for can be significant. That's because insurance companies not only charge lower rates to married couples, but they can also opt for discounts for multiple vehicles. Combining your policies can also offer you other benefits. A joint auto insurance policy is a cost-effective way to get coverage.
It's an excellent option in some situations, for example, when your carrier requires it or if it entitles you to discounts. However, it may not be necessary if you and your partner don't live together or drive each other's vehicles often. Common law marriage is recognized in some states, and your car insurance coverage will work the same way as insurance for a married couple. Car insurance companies generally consider married drivers to be less risky, which is reflected in insurance rates.
You can get additional discounts on car insurance by insuring more than one car and one driver on the same policy. Many insurers, including Progressive, require that you add a spouse to your car insurance policy if you both live in the same household (unless your state gives you the option to exclude your spouse). If you don't tell your car insurance company that you have a spouse, the insurer can claim that there was a misrepresentation on your part. This information is not an insurance policy, does not refer to any specific insurance policy, and does not modify any provision, limitation, or exclusion that is expressly stated in any insurance policy.
Before a couple gets married, they usually have separate car insurance policies if they both have their own cars and live in different places. If you're married and living in separate homes, that's fine and, in fact, it's necessary to have separate car insurance policies, since your vehicles are parked in different places. If you want to have separate insurance policies, with access to each other's cars, each spouse must include the other in their insurance policy. If you have a car and insurance, but your spouse doesn't have a separate vehicle, you must be listed as a driver on your car insurance policy.
If your spouse drives your car and damages it, it's normally covered if you add comprehensive and collision coverage to that car. In many states, you have the option of excluding your spouse from your auto insurance policy, but some states only allow it for certain reasons, such as not having a license or already having a policy. In that case, your car insurance policy won't cover your spouse, leaving them uninsured if they drive your vehicle. Even if you and your spouse decide to have separate car insurance policies, you may be asked to include each other in your policy.
Request an auto insurance quote online or call 1-866-749-7436 and we'll ask you the right questions to properly insure you and your spouse.