Do I need to add my spouse under my car insurance policy?

• Insurance and marriage: While majority of the insurance providers will provide discounts if you get married so do I need to add my spouse to my car insurance?, it could be vital for both of you to contact your present insurers and find out which of them can offer you a better deal. You may be even entitled to receive an additional discount if you get two vehicles insured with one company.
• State insurance laws The moment you feel, “Do I have to add my spouse to my auto insurance policy?” it could be important for you to first find out what your state’s car insurance rules and regulations require drivers to do when they get married. Some states do permit spouses to maintain separate car coverage while few others may require spouses to be covered under one policy.
• Determining premium: To determine premiums insurance companies will take into consideration spouses past driving record if you do need to add your spouse to your car insurance. To that effect, if your spouse’s driving record is bad, you could expect the premium rates to be much higher.
• Excluding named driver: You can qualify for “named driver exclusion” policy if you agree to sign a document which says that the insurance company is not liable to settle any claim should your spouse get involved in some accident.
• If spouse’s name is not added: If you are thinking of getting your spouse’s name omitted from your car insurance policy or do not tell your insurer about your spouse then the insurance provider can cancel your auto insurance coverage.

• Company standards: Normally, auto insurance policies offered by top rated insurers cover husband as well as wife. Some policies may also cover relatives or other individuals at home who drive your vehicle. You need to identify your exact types of needs and requirements.
• Certain exclusions: If you think, “Can you covered on your spouse’s car insurance?’ you must know that even if insurance policies cover spouses, the coverage does not automatically apply. You will have to get your spouse’s name added to your car insurance cover. Nevertheless, the premium rates offered may depend on a variety of factors.
• Insurance rates: If your spouse’s past driving record is bad, the premium may increase but in such cases, you can think of getting your spouse insured separately. This exclusion can be an expensive option. Instead it may be better to get your spouse’s name added to your current auto insurance policy.

Just don’t get bothered about, “Can you covered on your spouse’s auto insurance?” such a proposition is not essential. In any case, if you decide to get separate car insurance policy for your spouse, you will have to specify it to your existing car insurer. By opting to exclude your spouse from existing car coverage, you can save money only if your spouse doesn’t drive a vehicle. But if your spouse does drive a car then it could be better to get a policy which covers the spouse. On the internet, there are websites which can offer valuable information on the subject. All you need to do is just find an online site that is totally reliable and reputable. Such a move may even enable you to get assisted by a competent local agent.