Comments on: Joint Car Insurance Policy Between Unmarried Couples

By: How to Compare Cheap Car Insurance -Car Insurance Co

How to Compare Cheap Car Insurance -Car Insurance Co — Fri, 13 Jan 2012 00:15:41 +0000

[...] remember to compare cheap car insurance policies before you go ahead and buy.Do you need to compare cheap car insurance? If you have a car and you drive it often, then it is nec…course, you also need to have your driver’s license prepared as well as personal information [...]

By: WellHeeled

WellHeeled — Fri, 16 Jul 2010 00:57:32 +0000

That was what our rep told us. Are you in CA? Rules might differ by state. I hope our rep didn’t give us incorrect information.

By: Pamela

Pamela — Wed, 14 Jul 2010 17:05:24 +0000

I never knew that about AllState not allowing unmarried couples to have a joint car insurance policy. I added my boyfriend to my AllState policy last March when we bought a house together and his rate went down by 50%. We're not domestic partners and didn't have to prove/submit any documents claiming we even live together. I just called my local representative and she took care of everything.

By: WellHeeled

WellHeeled — Mon, 12 Jul 2010 03:20:09 +0000

Thanks for the recommendation. I am getting a quote from them right now.

By: Financial Samurai

Financial Samurai — Mon, 12 Jul 2010 03:05:37 +0000

You make a very interested point WH regarding not wanting the OTHER party to get sued if the other causes an accident. Hmmmmmmm. I guess if one has a big enough umbrella policy, then one is protected. Something to look into if you haven't already.

By: Ruby Clifton

Ruby Clifton — Sun, 11 Jul 2010 06:03:49 +0000

Owning a car jointly has its own advantages. You save on fuel. Also by putting one car less on the roads, you contribute toward saving the environment by reducing the carbon emissions.

By: eemusings

eemusings — Sun, 11 Jul 2010 00:20:05 +0000

It's good where I live. Well, to get into the city and back at least, which is generally all I need for work – anything else and BF can generally take us I live near three main bus routes – one has committed to "a bus every 15 minutes or less" during the week.

Auckland's PT is pretty sad overall though, and as much of the country is still rural/small town, it's kind of nonexistent outside the main city centres.

By: WellHeeled

WellHeeled — Sat, 10 Jul 2010 19:56:36 +0000

You might be covered under a "guest" policy.. but if you really are worried I'd just check with his insurance company. Do you have very good public transportation where you live? (and how is NZ's public transportation in general?)

By: Blog Round-up: July 9th | Paying Myself

Blog Round-up: July 9th | Paying Myself — Fri, 09 Jul 2010 23:37:11 +0000

[...] Heeled discusses what she’s learned while considering joint car insurance for herself and her BF as they move in together for the first [...]

By: Sara

Sara — Fri, 09 Jul 2010 16:56:05 +0000

Awesome, great post! I was considering this with my boyfriend but you bring up some relevant concerns for sure.

By: Jessica

Jessica — Fri, 09 Jul 2010 16:39:23 +0000

A company you may not have heard of but may want to look into is Amica. My fiance and I are not married but do live together and share a car insurance and renter's insurance policy. We live in an area where having just 1 car is very feasible (Austin, TX) so we've chosen to do so. Amica did allow us to have a joint policy although we are unmarried and their rates are amazing. Plus, I have never had anything but a positive experience with their customer service. My fiance's parents had been using them for all of their insurance needs for well over 40 years and I plan to do continue to use them for all of my insurance needs.

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Fri, 09 Jul 2010 14:17:25 +0000

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By: eemusings

eemusings — Fri, 09 Jul 2010 07:19:39 +0000

Well, we only have the one car, and I virtually never drive it (once every few months at most). And I can't imagine any situation where I would drive it alone – I just am not that experienced with a manual.

I know it's slack, but I'm not really sure what would happen if we had an accident while I was driving. I'm not specifically named on his policy.

By: .deb.

.deb. — Fri, 09 Jul 2010 04:10:55 +0000

We looked into a joint policy (with AAA in CA) but they would not allow us to share a policy unless we added each other's names to the car registration.

Now we each have individual policies with AAA, but since it's all in the same company they allow us to add each other as listed drivers at no additional cost. So we're not getting a discount, but it doesn't cost me any extra to have BF on my insurance (as it would if we were insured with separate policies). If he was in an accident while driving my car, it would be reflected on his account rather than mine.

By: WellHeeled

WellHeeled — Fri, 09 Jul 2010 02:18:14 +0000

That’s interesting! Must be different in Australia. I know that there’s no way that the insurance company can even price for the fact that we are in a relationship – unmarried couples’ relationship to each other would be in the “Other” camp. Essentially we are not treated any differently than if we are two roommates who wanted to go on a car insurance policy together.

By: Benjamin Bankruptcy

Benjamin Bankruptcy — Fri, 09 Jul 2010 01:40:40 +0000

My car insurace went from $700 to $300 a year when me and T moved in together. We don't have a joint policy but apparently men in relationships are in a lower risk catagory than "crazy single men!". You might not need to have a joint policy to save money.