Car insurance

I was just talking to FH about this. When we get married we are still going to keep our own seperate car insurance policies and companies.
Is anyone going to change theirs to FH's or is he changing to yours?

It's a good idea to combine your policy. As a married couple you'll get a better rate. Like Rita said, use the policy that has the most time on it, and the one with the least amount of activity. Married couples are less of an insurance risk than single people.

You'll also get a multi-car discount. And if you roll your homeowners and umbrella policy under your auto policy well, there's a discount for that too.

I know I sound like a commercial, but I work in insurance :)

Ok so I have the least activity on mine and Jerry has the most time. Jerry already has the 2 houses under his policy also. Should I go under his?. Does it make a difference that i am only driving 5 years where he is 25+? I was afraid if I go under his poilcy it would make his go up. I am so confused now

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Posted by JoanneAndJustin

It's a good idea to combine your policy. As a married couple you'll get a better rate. Like Rita said, use the policy that has the most time on it, and the one with the least amount of activity. Married couples are less of an insurance risk than single people.

You'll also get a multi-car discount. And if you roll your homeowners and umbrella policy under your auto policy well, there's a discount for that too.

I know I sound like a commercial, but I work in insurance :)

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Agreed. I have a life insurance policy - rolled into my car insurance and get a multiline discount

Hi- I actually work for an insurance company and i would definitely put both of you on the same policy - you will get a married rate & multi car discount for putting both your cars together. You should go with whichever one you has been with their companies the longest and cancel out the other. :) Good luck!

We are actually under his right now. In September we bought a new car for me, since my car at the time was at the shop every other day.

Prior my car was under my own policy, but when we figured everything out it was just much cheaper and made more sense to go under his policy. We were planning to do this anyways when we were married too.

Financially, it's best the way to go for couples to be under the same policy.

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Posted by Future Mrs H

Ok so I have the least activity on mine and Jerry has the most time. Jerry already has the 2 houses under his policy also. Should I go under his?. Does it make a difference that i am only driving 5 years where he is 25+? I was afraid if I go under his poilcy it would make his go up. I am so confused now

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Go under his. 5 years without activity in your age bracket is actually a decent amount of time. You're only considered a 'new' driver for about two years.

Have them quote it, but as a married couple with two cars on one policy and the home, etc. You both should see a savings.

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Posted by JoanneAndJustin

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Posted by Future Mrs H

Ok so I have the least activity on mine and Jerry has the most time. Jerry already has the 2 houses under his policy also. Should I go under his?. Does it make a difference that i am only driving 5 years where he is 25+? I was afraid if I go under his poilcy it would make his go up. I am so confused now

edit for spell

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Go under his. 5 years without activity in your age bracket is actually a decent amount of time. You're only considered a 'new' driver for about two years.

Have them quote it, but as a married couple with two cars on one policy and the home, etc. You both should see a savings.

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Joanne- Thank you so much. I think we are going to do that. It really makes sense doing together.