Drivers are always on the hunt for all the little ways that can help lower their car insurance policy, and there are a number of ways we know about to help you drive down the price of your car insurance.
We aren’t talking about lying on your application and hoping you get away with it either. There are little things a lot of drivers miss that can help them pay less for their car insurance, whether it is simply comparing online to find a better deal or something more committal… like getting married.
Now, getting married isn’t guaranteed to lower your car insurance and you shouldn’t decide to get married solely on the hope of reducing your premium costs. But studies have shown that single drivers are more almost twice as likely to be involved in an accident behind the wheel when compared to a married couple, and this is something insurers take into consideration.
Families make less insurance claims than individuals, so those who are married and are applying for car insurance will likely receive better offers on their insurance premiums.
Couples that share cars should be able to reap the benefits of each other’s no claims and good driving history. This is why insurers reward married couples in their policies. Even if you are a couple that lives together but isn’t married, some insurers will treat you the same as a married couple and revise your policy to reflect the benefits.
Be warned, however, that lower premiums are not always guaranteed, especially if one, or both of you have a poor driving history, insurance claims or driving offences. Also make sure that anyone you put as a named driver is someone that is behind the wheel regularly. Attempting to name someone as the main driver that doesn’t drive your car to lower your insurance premiums is known as fronting, and if caught, it can void your car insurance policy and place you in trouble with the law.