Best Cheap Car Insurance for Married & Unmarried Couples- You may not realize that you need to get insurance coverage for a serious but unmarried relationship. Getting car insurance covers both partners, whether they are married or unmarried. Car insurance for unmarried couples most times comes with one question, which is whether or not you should share a policy with your partner or not. Finding the best cheap car insurance for couples, regardless of marital status, is essential for shared financial stability and peace of mind.
Most times, it is required by insurance companies for couples, whether married or unmarried, to get car insurance. This most often occurs when an unmarried couple lives together or if they both use a vehicle frequently. Here they are required to share a car insurance policy. This also goes the same way for married couples. Aside from these, most car insurance companies require couples to include everyone living with them in their policy.
However, car insurance for couples can be quite expensive. For this reason, searching for the best cheap car insurance for married and unmarried couples is vital to making purchasing this insurance more affordable for couples.
5 Best Cheap Car Insurance for Married & Unmarried Couples
You can consider purchasing insurance from several cheap car insurance companies for married and unmarried couples. Insurance companies like Erie offer the best car insurance for both married and unmarried couples at cheaper rates and premiums. Aside from this, other car insurance options for married and unmarried couples include:
Geico
This car insurance company offers the most affordable pricing and outstanding customer service. It is best for young drivers and married and unmarried couples on one policy. Geico has the lowest insurance rates and the most extensive insurance discounts compared to other insurers.
Auto-Owners
Auto-Owners offers the lowest insurance rates for married couples. It is well known for its customizable coverage options, which include unusual endorsements like a common loss deductible. This reduces your car insurance deductible if you experience a loss that damages your vehicle. However, this insurance company offers a wide range of discounts to help policyholders save money, making their rates decrease.
USAA
While only available to veterans, active military, and their families, USAA offers highly competitive and affordable car insurance rates for married couples. This insurer sells car insurance specifically to qualifying military members, veterans, and their families. USAA offers exclusive discounts for military members who are called up for active duty. Aside from all of these, USAA allows policyholders to manage their policies online through their phones.
Travelers
If you wish to get an insurance policy with customized options, travelers may be the best option to consider. This insurance company offers a wide range of endorsements you can select from. These endorsements include roadside assistance, ride-sharing, and accident forgiveness. Aside from this, travelers offer a wide option of discounts available, allowing policyholders to save on premiums.
Nationwide
If you would like to consolidate all your insurance into one insurance company, Nationwide is the best option to consider. Nationwide’s average insurance cost for married couples is lower than the national average insurance cost, making it cheaper to go for. Aside from its cost, Nationwide offers different discounts to policyholders holding home and car insurance with them. These discounts include safe driver discounts, a telematics program, and good student discounts.
FAQs:
What is the Best Car Insurance for Married Couples?
There is no specific car insurance company that is the best for married couples. Instead, couples will need to work towards finding the best company for their needs. To do this, you need to consider your priorities as well as other factors to find the best for your needs. In cases where you and your spouse need the best cheap car insurance and you both make use of the road less often, purchasing a low-mileage policy is an option you should consider.
Types of Car Insurance Coverage Married Couples Should Consider?
To begin the car insurance journey, you should purchase the state’s mandated minimum liability insurance coverage along with any other required coverage. After this, you should consider purchasing more than this required coverage.
Couples should consider getting full insurance coverage, which is collision and comprehensive insurance. This coverage covers damages to your car and that of the other driver in an accident where you are found at fault. This coverage covers several road-related damages and prevents you from making out-of-pocket payments.
Which car insurance policy will be cheaper to keep, my policy or my partner’s?
This depends on what insurance company both parties use and the information about their policy. Just like when searching for the best insurance company, it is important to compare both insurance companies’s quotes and rates. By doing this, you can select the one with better rates and the one that is more affordable.
Can I Combine Car Insurance Policies If I’m Unmarried?
Most car insurance companies allow unmarried couples to share a policy as long as they both share one vehicle and it is parked in the same home overnight. However, most times, insurance companies may not allow you to share a car insurance policy with roommates.