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How Your Spouse’s Driving Record Can Impact You

By  | March 18, 2014 | Filed under: Insurance Facts
Rebecca Stutts Hovater

Rebecca Stutts Hovater

There’s so much to think about when you first get married, and I’m talking about the logistics, not the actual marriage part. There are potential address changes, name changes, status changes…it almost seems endless. I got married last September, and I’m still going through this process.

Calling an agent was one of the first steps to take, and you may learn a few things. Your spouse’s driving record could have an impact on your ability to be insured.

If both partners have good driving records, then you may be in store for some good news. The new couple could be eligible for a multiple car discount, if there are now two or more cars at the same address insured by the same company.

If the individuals are under the age of 25, their rate could change to a married rate, which could be less expensive. The eligibility and rates may vary depending on the state you live in and your insurance provider, so ask your insurance company or your agent for specific information.

But if one of the partners has a bad driving record, there could be a negative impact on the other’s auto insurance. For instance, a policy may recognize a household rather than individuals within the household. Companies may handle this differently, so it’s important to talk to your agent or insurance provider to see how your new status could impact your policy.

Things like too many speeding tickets or accidents, suspensions, or DUI’s could present auto insurance issues for a newly married couple. In the insurance industry it could take 3 to 5 years for the impact of such incidents to go away.

As if marriage isn’t enough work already…perhaps it would be best to get this conversation going early while you’re still in the “newlywed” stages.

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