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Should Married Couples Have Joint Car Insurance?
['Originally A Wildlife Biologist', 'Lindsay Vansomeren Became Passionate About Helping Others Learn Smart Financial Moves After Seeing How Positive Money Habits Made A Big Difference In Her Own Life. Her Work Centers On Insurance', 'Banking. She Compares Providers', 'Explains Coverage Questions', 'Evaluates Accounts', 'Financial Products', 'Helping Readers Understand Costs', 'Trade-Offs', 'Practical Ways To Protect', 'Manage Their Money.']
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That said, insurers will often require you to list your spouse as a driver on your policy if they're part of the same household, so keeping separate car insurance policies would mean you and your partner are both covered under two. If you have separate auto policies and you're moving in together, that means that you'll both be covered under a combined car insurance policy from two separate companies as long as the insurers are notified. You have a specialty vehicle: If you have a vehicle that requires a special policy (such as a sports or classic car) and your spouse won't be driving it, it may be worth purchasing a separate policy for this car and excluding your spouse.