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January 19, 2016

Is Car Insurance Cheaper When You’re Married?

Couple In ConvertibleThe price tag of your Car Insurance policy is dependent on hundreds of factors — some of which you have control of, and others which you don’t. You probably already know that your age and driving record can affect premiums, but you may not be aware that your marital status can as well.

Insurance providers use years’ worth of data to determine the level of financial risk each driver is likely to present. Statistically speaking, women are safer drivers who produce fewer claims than men. Young men in particular often speed and display other risky driving behaviors that may result in higher Auto Insurance premiums.

However, as men gain more experience with their years, they can often prove themselves to be safe drivers. With years of no incidents, those rates may decrease to more closely resemble their women counterparts who are also safe drivers.

Another statistic that is carefully considered is marital status, particularly for men. Data shows that men often become safer drivers after getting married. This is likely due to a combination of maturity, responsibility to one’s spouse and the expectation of starting a family.

Whatever the reason, married men may find that they pay less for Auto Insurance than their still-single buddies. However, there are many other factors that can still affect premiums, such as local crime rates, annual mileage, credit history and more.

The best way to find out how much your Car Insurance will cost is to consult with an independent insurance agent. Our agents work with a network of insurance providers, which we can scour on your behalf to find the best combination of coverage and price.

Get a quote today. Call Cloverleaf Insurance at (800) 530-5822 for more information on the Auto Insurance policies we offer.

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