I Just Got Married. I Have Car Insurance and My Husband Has A Different Policy. Do We Need To Combine Them? What Are The Advantages And Disadvantages?

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Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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UPDATED: Jul 16, 2021

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You do not have to combine your insurance. Many couples go for years, or forever with separate insurance. Something else to consider, if you each have only one car, you are missing out on a multi-car discount on each policy. This can save as much as 20% on each car. There is also the issue of when you purchase a new car. Each policy provides automatic coverage for 10-30 days on a new car. However, whose policy provides that coverage? If there is an accident before you notify one of the companies there could be problems determining which policy is providing the automatic coverage. Sometimes the companies will decide to split the coverage. Then you have 2 insurance companies trying to settle a claim.

A disadvantage to combining the insurance would be if one of you has a bad driving record or major violation. If you advise your agent or company that you are married (to save money on the insurance costs) you will be asked for the driving information on your spouse. The new company may not want to add the spouse. The best way to determine how to move forward: talk to your respective agent or company and see which offers the best premium and coverage for you and go with that.

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