How Does Getting Married Affect Your Auto Insurance?
People debate endlessly about the supposed benefits and detriments of getting married. A funny take on this was highlighted in a recent AskMen reddit thread in which many people commented that the cons of getting married were the same as the pros, just flipped on their head — for example, “you never have to sleep alone,” but also, “you never get to sleep alone.” (If you’re curious, you can find the thread linked at the bottom of the article).
But one of the inarguable benefits of getting married is the impact on your auto insurance rates. Most auto insurance carriers offer a discount to married drivers, even to men under 25, who are generally considered the most risky drivers. If you are in a same-sex marriage, you also qualify for a discount with Allstate and State Farm.
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One of the reasons behind the reduced insurance rates is that married drivers are less likely to get into car accidents, though the reasons behind that are a little less clear. Some sources say that married drivers lead more stable and therefore less risky lives. Others say that married drivers simply drive less than their single counterparts. In any case, insurances see married male drivers as more responsible.
Still, combining your auto insurance isn’t always a slam dunk move. If your partner has a significantly worse driving record than you, it may only be to their benefit to combine. And if either of you receive a speeding ticket or DUI in the future, you’ll both be affected. But then again, what’s marriage if not experiencing things as a couple, good and bad?
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Reddit Thread: What are the pros and cons of being married?
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