Can A Married Couple Have Separate Auto Insurance Policies?
37376 POINTSview profileDavid G. Pipes, CLU®, RICP®Business Development Officer, T.D. McNeil Insurance Services, Fresno, CaliforniaAn insurance company insures an automobile. People own automobiles and insurance. In California, the auto policy covers every licensed driver in the household. If the husband and wife do not live together and an automobile is owned as separate property, that automobile could be insured separately from those of the spouse.Answered on February 25, 2014flag this answer
21750 POINTSview profileJim WinklerCEO/Owner, Winkler Financial Group, Houston, TexasGreat question! There are times when you might have separate policies, if there are vehicles that may only be driven by one spouse. An example might be one vehicle is used exclusively for a spouses business. That car would be insured separately from the family car. As Mr. Pipes said, you may also be married, but living apart, and have each vehicle insured separately. Generally, it is cheaper to be together under one policy, unless one spouse has an abysmal drivers record. Thanks for asking!Answered on May 6, 2014flag this answer
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