Combining Car Insurance with Your Spouse

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You just said, “I do.” Now it’s time to become one.

After getting married, most couples make the decision to combine their auto insurance, and it is even required by some insurers.  It is worth the small inconvenience because combining auto insurance is usually much more affordable and easier to manage. Here are some reasons why.

Advantages of combining insurance:

  1. More Savings – Sharing a policy is generally cheaper, as you’ll split the cost of certain coverages. Plus, if you’re in a one-car household, you avoid paying to insure the same car twice.
  1. You Benefit from your spouse’s clean driving record- If you’ve had violations or accidents, your spouse’s clean driving history may result in a more competitive rate.
  1. You can share cars- You’re covered when driving each other’s cars. No need to let your insurer know who’s driving what or when.
  1. Convenience- It’s easier to maintain a single policy than manage two.
  1. Multi-car discount- Many insurers offer discounts for having multiple vehicles on one policy

How coverages work with your spouse

Here’s a refresher on common coverage situations if you combine policies.

Your spouse drives your car and damages it

It’s usually covered if you added comprehensive and collision for your car. You’ll just have to pay the deductible. FYI: You add comprehensive and collision specific to each car, not each driver.

You drive your spouse’s car and damage it

Similar to above, it’s usually covered if comprehensive and collision were added.

Your spouse drives your car and hits someone else

They should be covered. If they’re at fault, any damages they cause to other cars, property (mailboxes, phone poles, etc.) and others’ injuries should be covered by bodily injury and property damage liability. This coverage comes standard and extends to all drivers on the policy, no matter what car they’re driving. The same limits apply.

You drive your spouse’s car and hit someone else

Exact same coverage situations as above.

How coverages work if you have separate policies: Your coverages would work similarly, but everything is more complicated. For example: Your spouse is driving your car and hits someone else. There are two separate claims here–damages they cause to others and damages to your car. Which company will handle and pay each claim can vary based on the accident, damages, and who is officially at fault. That’s why it’s usually easier to combine policies.

By: Progressive

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