How Does Getting Married Affect My Auto Insurance Coverage?

As you and your spouse are bickering at the dinner table in Cumming, GA, it is hard to believe all the benefits that come from saying "I do". In addition to the lifetime of love and companionship, marriage also decreases the chances of developing dementia, cancer, and heart disease. Even more, getting married can also have a positive effect on your auto insurance coverage.

Married People Are Involved in Fewer Accidents

Statistically, married couples are not as likely as their single counterparts to be involved in an automobile accident. Several different theories surround this fact. Some believe that the reason is that married people drive less. Others think married couples are more stable and less risky.

Regardless of the reason, married drivers are involved in fewer auto accidents than single people. One study even discovered that single people who have never been married are twice as likely to be injured in an auto accident.

Because married people are less likely to be involved in a motor vehicle accident, they are considered by insurance companies to be less risky to insure. Therefore, the cost that they pay for their auto insurance premiums is usually less than that of a single individual. Contact the experienced agents at Wichalonis Insurance Agency to find out how much you should be paying for auto insurance.

When Not to Combine Policies

While it may seem like a no-brainer that you and your spouse should share an auto insurance policy to reap the most benefits, this is not always the case. If either of you has a poor driving record, receives a speeding ticket, gets charged with a DUI, or is involved in an accident, this will hurt your auto insurance coverage.

If you would like to learn more about the effects getting married has on your insurance coverage in Cumming, GA, contact Wichalonis Insurance Agency today.