Don’t Forget This Money To-Do When You Say ‘I Do’

Shannon Wright & her husband (Photo Credit: Kristie Hurst photography)

You know this if you’ve just gotten married: your to-do list can be immense. Add in the stress of how weddings have changed in the era of coronavirus — everything from a change of venue to front porches or Zoom celebrations — and it can get overwhelming quickly.


We asked Shannon W., Metromile’s Senior Manager of Customer Experience Operations, to help make things simpler. Newly married herself, Shannon shares tips about how your marital status might impact your car insurance rates and how to get a good rate after you say, “I do.”


Talk to your partner

You probably have a mental note on your to-do list to talk about your finances with your partner. But, have you considered talking about your driving and car insurance?


For starters, here are four questions you should ask your partner. Your partner’s answers will give you clues as to whether your car insurance bill may increase or decrease as a married couple, and what you should do next.

  1. How many years of driving experience do you have?
  2. Have you had any tickets or violations in the last few years? 
  3. Have you ever gone without car insurance?
  4. Have you ever been in an at-fault accident?

You’ll want to be equipped with the answers to these questions, so you’re both better prepared to get a competitive car insurance rate.

Review your current insurance

Now that you’ve tied the knot, you and your partner may want to tie your insurance policies together. It could pay off to take a few minutes to review your policies together beforehand.


Research shows married couples are generally deemed “less risky” drivers and could be eligible for discounts on auto insurance premiums. So, if you and your spouse both have great driving records and have no gaps in your insurance coverage, insurance companies will generally provide lower rates. Even if you previously shared a car insurance policy, you could still be eligible for additional discounts.


Even if one of you has a driving record that’s still a work in progress, the two of you may be able to benefit from multi-vehicle discounts by insuring multiple cars together on the same policy.


Keep in mind that if your partner has a history of bad driving, it could negatively impact your insurance rates, and a combined policy might not make sense. You might also consider excluding your partner as a driver on your policy, so their work-in-progress driving record doesn’t affect your rate, but understand this might not be possible in all states. Additionally, excluding someone from your policy means they won’t be covered by your insurance policy while driving your car, and you’ll be personally responsible for any damage if they’re driving. 

Shop around

Whether or not you said “I do” to a great driver, you should consider shopping around for car insurance. It’s a good idea to compare rates often, as changes in your life, including getting married or moving in together to a new place, could affect the price you pay.


You could also look into whether it might be better to keep your current policies and coverage separate. Just make sure both of you are listed on the other person’s policy, as insurance companies generally require you to include everyone in your household who might drive your car. Even if your spouse has their own vehicle they drive, there may be instances when they need to drive your car.


Additionally, if you don’t drive much, you could save with pay per mile car insurance like Metromile, even if you and your partner drive separate cars.