If you've recently tied the knot, congratulations! You may also start paying less on your auto insurance rates. I'll show you the different ways that marriage can affect your insurance premiums, and give you some quick tips on how to choose the auto insurance policy that's right for you.

Auto insurance rates are not defined by a single factor, but rather a combination of a multitude of factors. These factors include driving history, age, location, gender and marriage, among others. Insurance companies gather statistics on all these factors (and many more) to categorize each driver's risk. If you fall under statistically-proven high-risk categories such as being under 25, having a high-risk occupation, living in an area prone to theft or accidents, or even just because you're a male driver, you may be considered a high-risk driver and pay more for your auto insurance. However, it's a relief to know that one of the factors that counts the most is our driving history. Which means that regardless of other factors (that might make you seem like a riskier driver), if you have a spotless driving history you may be eligible for a 'good driver' discount.

But, let's get back to marriage and its benefits for the driver. Many insurance companies offer special discounts to married people. Discrimination? Well, while some may believe that it is, it is important to keep in mind that insurance companies calculate risk based on statistics - and statistics show that married couples are safer drivers. Why? Most likely because they feel greater responsibility towards their family, or because there are precious little passengers in the car. If you're a man who's under 25, you will benefit the most from your new marital status car insurance discounts because it will be more significant than for, let's say, a 40-year-old woman.

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If you have recently gotten married, make sure to contact your insurance provider to see if your new marital status qualifies you for a discount. Couples can also benefit from car insurance discounts by adding an additional vehicle to their existing car insurance policy. However, combining policies will generally only benefit you if both you and your spouse have good driving records. If one of you has a poor driving record or has several claims, it will make the low-risk spouse's insurance rise. However, you may still want to check if overall you will both end up paying less as a combined expense than if each of you had your own auto insurance policy.

Sometimes it's not a good idea to combine policies, like if your spouse is considered a very high-risk driver. Even if you keep your own policy, if you've just married a high-risk driver, you may see your insurance rates rise. This is because all drivers that live under one roof are taken into account when calculating insurance rates. If this is the case, and your spouse doesn't use your vehicle much, you may even have to exclude your spouse from your car insurance policy to avoid paying higher rates. An exclusion would prohibit that person from being covered by your policy - so you have to be sure that your spouse never drives your vehicle unless you are prepared to be held fully responsible for all possible damages.

On the flip side, if you both have great driving records, you're in luck. Most auto insurance companies offer great multi-vehicle discounts. If you're not sure whether to stick with your insurance company or head over to your spouse's, it may be a good idea to compare auto insurance from other providers as well. It's hard work to compare hundreds of insurance companies, but it's worth it because of the large amount of money that you can end up saving!

Don't have time to scan the web looking for the best auto insurance? Most people don't - that's why we've done the homework for you! You can compare auto insurance right here to find the cheapest auto insurance for your personal situation. Or, you can simply choose your state in the box below to find the rates for your area now!

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