You have probably heard that when a couple gets married, you should combine their auto insurance policies. Ideally, this saves you money.

Sometimes though, you should not bundle because it would result in raising the insurance premiums. We want the happy couples of Cincinnati, OH to remain happy, so Advantage Insurance Network wants to explain the ins and outs of marriage and auto insurance.

When it works, the reduced rate on auto insurance comes from lowered risk and a multi-vehicle discount. You see, married couples drive safer. Getting married, statistics show, encourages you to drive more safely. The other part of the reduced rate is that you insure more than one vehicle on a single policy. Under normal circumstances, this results in up to a 25 percent reduction in premiums.

This assumes that both spouses have a pristine driving record. If one of you has incurred a number of speeding tickets or a DUI/DWI, the insurance of the good driver would go up if you bundle. High-risk drivers pay much higher premiums.

You may still be able to save a little money on premiums if you will move other insurance policies to the same carrier. This would require moving your homeowner’s or renter’s insurance and your life insurance all to the same carrier.

You need to consider the policies provided by both insurance companies. Read each policy statement carefully, so you know that both options would provide the same coverage and protection. It is not savings if your new policy does not cover the same items or cover them to the same level.

Call Advantage Insurance Network to talk to one of our agents serving Cincinnati, OH. Let us help you see how you can best bundle your auto insurance after marriage.