Some insurance companies may even offer a discount of up to 30 percent for multi-vehicle policies. Insurance companies once prohibited unmarried couples and domestic partners from sharing auto insurance policies. And if each of you has your own vehicle but you live at the same address, you can take out an insurance policy and include both cars in it to take advantage of a multi-car discount. If you live together, your insurance company may ask you to include your partner in your car insurance policy.
If you don't add your resident partner to your insurance and you have an accident in your car, your insurance company could deny the claim. The final insurance policy premium for any policy is determined by the insurance company upon application. In addition, if you sometimes drive your partner's vehicle, you can't insure that car and get coverage unless the owner of the car also appears on your policy. Policygenius has analyzed the auto insurance rates provided by Quadrant Information Services for each zip code in all 50 states, in addition to Washington, D.
Your insurance company will need to see proof that your partner should no longer be on your policy, which could be a statement page for your new car insurance policy or proof that you no longer live at the same address. Many auto insurance companies now offer policies for unmarried couples with names like non-family insurance, roommate insurance, unmarried insurance, and domestic partnership insurance. For example, if you combine insurance to cover both cars under the same policy, a multi-car discount can save you money on your car insurance. In fact, there are some situations where you might need to add your partner to your car insurance.
This is to differentiate between having a roommate, who doesn't need to be listed on your car insurance because they probably won't drive your car, and having a partner who should be included in your policy. Unmarried couples who live together can purchase joint car insurance and may be required to include the others in their insurance if they choose to have separate policies. In fact, if you live with a partner, which is sometimes referred to as cohabitation, not adding it to your insurance policy could cause your insurance company to deny a claim if you have an accident while driving your car. While you may not have considered car insurance for unmarried couples, you may want to share a policy with your partner.
If you and your partner have a vehicle, Car Insurance Comparation recommends including it as a qualified driver in your car insurance policy.