Joint Car Insurance for Unmarried Couples

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You can browse our site, get free quotes, and compare different companies online as you decide which company and policy are best for you.

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About Joint Policies

Some people want to get a joint policy to share with their spouse. But what about joint coverage for unmarried couples? This joint coverage is an option that some people want.

The question of whether you can get joint car insurance for unmarried couples comes up often when people are looking for a way to save money on their car insurance.

The truth is that most insurance companies allow you to be on the same policy as others in your household, even if you are not married. The key is that you must be living in the same household to qualify for joint car insurance.

Keep in mind that you will usually end up paying more on your policy when adding other drivers to your policy.

Consider the Needs of All Drivers

When you are considering adding other drivers to your policy, it is a bit of a challenge to decide how to create the best policy for all drivers.

One of the things you can do is to sit down and look at minimum requirements first then add optional coverages that will benefit you both.

If you add their car, you may need a separate policy to cover everything they need for their car that is separate from yours. It is possible to put multiple cars on one policy, but each car would have its specific coverages.

About Insurable Interest

Insurable interest is an insurance term meaning that you have a financial reason to insure something due to the potential loss that you are protecting.

This proof of insurable interest is fairly easy to do if the person lives in your household and sometimes drives your car or if you jointly own or drive one car.

If you each own your car title, however, it may be harder to find insurance that will cover you both under the same policy. Therefore, it is often easier to have separate insurance policies if you each have your vehicle.

But in cases of when you drive or jointly own the same car, you are more likely to be able to be on the same insurance.

Why not drive your friend’s car without insurance?

It can be dangerous to drive your friend’s car if they are not on your insurance.

If you have an accident, it can be a complicated mess. This complication is one reason you may want to add them if you plan to drive their car on any regular basis.

If they are on your insurance policy, you will be able to file a claim using your insurance.

Don’t Let Strangers Drive Your Car

Beware of the dangers of sharing your car with strangers. Some people even rent their car to make money on a daily basis.

They can make $35 a day or more for offering the service of using their car.

However, these people may not realize the inherent legal risks involved in such an arrangement.

In addition to this legal risk, the stranger could decide to take off with your car and steal it. Then you would have to file a claim for auto theft.

Remember that you will only be compensated for theft if you had adequate comprehensive insurance on your vehicle. So make sure to add this coverage to your policy.

Strategies for Saving on Car Insurance

There are some ways that you can save money on your car insurance. One way is to add others to your car insurance.

Even though you pay slightly more when you add other drivers to your insurance, overall you will save money on your family budget.

The other alternative is to start a new car insurance policy, which will always be more expensive than adding a second car.

How to Find the Best Policy

If you have decided to add others from your household to your policy, here are a few things you should keep in mind to get the best deals:

• Consider the needs of both drivers – When you are putting more than one driver on a car insurance policy, you will want to consider the needs of both drivers on the policy. Consider what your lives are like and how they differ and make sure that you include the coverages that you will both benefit from.
• Think about your joint level of risk – The main reason for getting car insurance is to lower your risk of financial loss. If one of you has a brand new sports car, but the old has an older family car, your insurance will need to cover both. You will likely see a rise in premium for the sports car.
• Mileage matters – Remember that the mileage matters. You should consider the total mileage and report this to your insurance representative when they ask you about mileage.
• Look for discounts – Discounts are one advantage of sharing car insurance with your partner or another household member. If one of you is a student, you could both reap the advantage of a student discount. There are many other discounts you may qualify for also.

The best way to save money on your joint policy is to shop and compare. Then let the insurers know that you plan to add someone else to your policy.

Shop and compare right here today!