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Step 1
Get several quotes from various auto insurance companies. Married couples usually have cheaper car insurance because they are married or live with a significant other. The loss is reduced because there is less driving than a single, more-active driver.
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Step 2
Purchase another vehicle for the husband or wife (if you don't have two already from when you both were single). You can also receive a multi-car discount, in addition to the cheaper rate offered by being a married couple.
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Step 3
Consult your agent before you're married. You may qualify for the domestic partner discount. Various insurance companies are now giving discounts to common law and significant others. Notify your insurance agent once you get married to get the married couple discount.
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Step 4
Determine each other's driving records. Look at whether there are traffic tickets and Driving Under the Influence violations. These will cause you to lose your discounts before you even get them. If one of you has had a few accidents that raised your insurance rate when you were single, there's a good chance it will raise the rate as a married couple.
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Step 5
Consider getting separate auto insurance policies if either one of you has an expensive car or a sports car, one has a bad driving record or one wants higher limits than the other. These are the times you want to get separate car insurance policies.
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Step 6
Determine where your new home together is located and whether it is in a safe area. If the area is at bad risk for car theft, you may end up paying a higher premium.
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Step 7
Increase your coverage limits since both incomes are now combined. You want to cover your combined income and assets. Also now that you are married, name each other as beneficiary on the death benefit coverage.
