In all the rush and work of putting together a wedding celebration, couples might not consider their individual and combined financial matters closely until after the honeymoon.
In all the rush and work of putting together a wedding celebration, couples might not consider their individual and combined financial matters closely until after the honeymoon.
A few things that you eventually want to sit down and discuss car insurance, life insurance, and any other property or financial insurance. Motorcycles, boats, RV's, high-value jewelry and collectibles are all insurable items that should be examined.
Here are three general steps to guide you through that process.
1. Check individual policies first.
If you go into the marriage with separate cars and separate insurance, check car insurance quotes with your own companies first and provide spouse's information and car information.
Ask the insurance company for detailed updated car insurance quotes to be emailed or faxed. You might have to wait for the changes to calculate and send you a formal policy update before you can get the actual numbers.
Don't worry; you won't have to pay double car insurance. Once you figure out how you want to proceed, you will just cancel the policy you do not want requesting the same date the changes went into effect for the combined policy.
2. Check car insurance quotes on a website that has insurance referral options.
Go to a broker/referral website where you can fill in one form and get back a comparison of a dozen different car insurance companies to see what other options exist. If you find a general quote that is way less than the new combined quotes on your own insurance, take the time to do a more detailed car insurance quote with that company.
3. Discuss bundling.
If you and your spouse do have multiple policies and property to insure, make sure you are checking car insurance quotes with multi-policy discounts included. You might find that it is easier to talk to a broker agent in your area that can do all your car insurance quotes with multiple companies and let him or her do all the work. Just provide him or her with all your policy declarations or detailed information required for an accurate quote.
Once you have determined the best course of action for combining everything, make the switch for all policies on the same date. All cancellations and effective dates and change dates should be the same. Then you can enjoy your married discount along with multiple other discount that you were not eligible for previous to your marriage.
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