Reader’s Question:

I live in Vermont. I am just wondering if my car insurance will go down if I get married?

Martha

Hartford, VT

There can be a difference in car insurance premiums depending upon your marital status. Generally, a married couple will have lower car insurance rates than single individuals. This is true if both married motorists in Vermont have clean driving records.

Insurance rates for married couple may be lowered by insurance providers under the theory that married people are typically more responsible, mature and are less likely to operate a vehicle recklessly. Some insurance carriers may give discounts or a reduction in rates based on lifestyle events that they think signal greater maturity, like getting married and having a baby. Therefore if you recently got married this may provide you a reduction in rate with some auto insurance carriers.

Ask for discounts, you never know what you might be able to get and how much you can save by asking. Some popular discounts can be given for:

1. Military personnel

2. Good grade students

3. Union membership and bank member affiliations

4. Safe drivers with no claims in last 7 years

5. Defensive driving school attendance

6. Clean credit history – used by many carriers to determine payment risk

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