Can getting married help you get lower rates? It depends! This article will show when it can help and when it wouldn’t so you can make better decisions…

Getting married will help you get lower rates if the following conditions are met…

1. You’re a driver below the age of 25. It’s NOT a hidden fact that rates for under-25 male drivers are among the highest. The rationale for this isn’t far fetched. Statistically, male drivers below 25 years are very high risks to any insurer. The younger they are, the higher the risks they’ve been found to be.

However, insurers have also discovered over time that married under-25 drivers do NOT follow this high risk pattern. They, therefore, work in the assumption that all things being equal, a married under 25 is a better risk than an unmarried one. Most people seem to agree that marriage has a sobering effect on young folks. Once a person becomes more sober, it does affect his/her driving for good.

2. If your spouse belongs to a low risk profile. In such a case you’ll have to be the secondary driver to take advantage of this.

3. If you have more than one vehicle and so buy your policies from the same insurer. That way, you’ll be able to take advantage of a multi-vehicle discount. However, in doing this, you must ensure that you weigh every other savings that might be lost by switching to the same insurer.

However, getting married will NOT help you get a cheaper rate in the following situations… …

1. You and your spouse both have a DUI on your record. There are people who can help you through this situation. But it’s necessary to point out that there is NO quick fix for such a situation.

2. You allow your policy to lapse. Allowing your policy to lapse is one of the surest ways to condemn yourself to very high rates for a long time So matter how tough things get, your auto insurance policy is NOT what you can drop because of the grave consequences down the road.

3. Most importantly, you do NOT know how to take advantage of the savings opportunity available to you as a married couple. It’s important that you make out time to educate yourself on ways to take advantage of your marital status. Discussing with your agent is one good way to get the information you need — That is, if you have a good agent.

If you’re keen on finding superior coverage at really low rates then you should visit these sites: cheaper auto insurance and affordable car insurance. Chimezirim Odimba is well-verse on how to pay far less on insurance.

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