That is a great question! The answer really depends upon your insurance companies, and their discount rates. Shop both yours and your spouses, and ask. Also, if there are multiple policies already with one carrier, it might make for a deeper discount with them. Since I don't know who your policies are with, I'm sorry but I can not give you a dollar or percentage amount specifically. Best answer, call them and see! Congratulations, I pray many years of happiness and blessings for you!!! Thanks for asking!
Hi Justin,
Great question. For many companies the discount for bundling can be substantial. We are an independent company writing through several carriers. Many of them favour the responsibility and maturity that comes with being a family. Adding the factor of having 2 or more vehicles "multi-car" discount, or even going from renting to owning a home can make a big difference in premium rates.
My congratulations to both of you.
Let me know If you are in need of any other assistance.
We are in Michigan!
Insurance Agent, Davila & DeFusco Insurance, Saugus, MA
Great question! Many insurance companies offer multiple car discounts and I have seen substantial savings for couples who combine their auto policies. A good agent will be able to place you with the right company that will provide the best discount for your combined policy.
That said, there is no reason a couple needs to wait to get married to get an auto policy together. I have written policies for stable couples who have an established relationship without yet being married.
Agency Owner, The Thomas G Sheehan Agency, 27 Glen Road Sandy Hook, CT 06482
It is always best to talk to your Insurance Professional about the terms and conditions of your policy. Generally speaking, two single individuals insuring their own cars may pay more than two married individuals insuring their two cars together. There are a couple of factors that may cause this. First, the rate structure that a company has for sigle folks as opposed to married folks. The second is a multi car discount aht can further drive down the cost for the married folks. Always be sure to ask about any available discounts when making your decisions on your car insurance.
It all depends, but you can save a ton by including everything together. It's usually based on a percentage of what you pay. So the more you pay for insurance the greater the discount. I would shop both of your current companies for the best price and service. I hope this helps!
Robert J Russell - Finalist for Broker of the Year 2015
Broker Owner, InsuranceAgentsSelling.com, United States (Most States)
It really depends on where you live, what you drive, your driving record and the types of auto's you have to insure. If you have full coverage on all auto's, it will be more expensive usually than just liability only on both cars. I would love to help you with that
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Great question. For many companies the discount for bundling can be substantial. We are an independent company writing through several carriers. Many of them favour the responsibility and maturity that comes with being a family. Adding the factor of having 2 or more vehicles "multi-car" discount, or even going from renting to owning a home can make a big difference in premium rates.
My congratulations to both of you.
Let me know If you are in need of any other assistance.
We are in Michigan!
Gene Ivanoff
That said, there is no reason a couple needs to wait to get married to get an auto policy together. I have written policies for stable couples who have an established relationship without yet being married.
Please let me know if I can be of any assistance!
Carl Houde