If you live together, you could get a nice surprise if you add your girlfriend or boyfriend to your auto insurance policy. As long as your both have a good driving records (and live together), you could see lower rates.

Female drivers will benefit less by getting auto insurance together because they have less accidents than males. Insurance companies see women as safer drivers, and couples are better risks than single insureds.

Singles males would pay the most, then single females, followed by domestic partners, then finally married partners. Getting married could lower your car insurance price even more than having a domestic partner, depending on if the carrier differentiates the risks between domestic partners and married couples.

You must live together to get a reduced car insurance rate based on a shared policy. One caveat is if your significant other has a bad driving record: DUIs within the last 10 years, tickets or at fault accidents within the last 3 years could actually increase your rates. Before adding the other driver to your policy, find out about their driving history.

Bad credit can also make a shared policy more expensive, depending on if your state allows credit scoring. In states that allow credit scoring, Insurers have found that if you are responsible with your bills, you drive more responsibly.

Each insurance company uses it’s own software and underwriting to calculate premiums and rejections. Calculating rates for adding a driver is a combination of many things the company many like, like the age range or occupation of the other driver.

If your partner is much younger, has a occupation like “stunt man,” or uses their car for work, your rates could also increase.

When your domestic status changes, contact the car insurance company to see how either getting married or dropping them wold effect your car insurance rates.

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Filed under: California premiums

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