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family in front of carHusbands and wives squabbling over the dining table may not believe it, but recent studies revealed that married couples have a smaller chance of developing serious conditions such as dementia, cancer and heart diseases than their single counterparts. Fortunately, marriage also seems to have a positive effect on Cleveland auto insurance rates. 

Studies have proven that married couples are less likely to get involved in an auto accident. There are a lot of theories behind this case. One of these is that married drivers drive less as compared to their single individuals. Some theories state that married couples have healthier and more stable lives than singles. Other theories say that married individuals are more responsible drivers than never-married people. Despite the various theories, statistics from reputable sources revealed that married individuals have a lesser vehicle accident rates than single people. In fact, in the recent study conducted in New Zealand, single drivers are twice more prone auto accident as compared to married drivers. 

The above information only proved that getting married affects your auto insurance positively. Most car insurance providers offer great discounts to married individuals who carry auto insurance. In fact, married drivers can get as much as 25 percent decrease in their auto insurance rate. Also, married men under the age of 25, who are most likely to get expensive car insurance premiums, can qualify for auto insurance discounts and other benefits. Even same-sex married couples, in states that acknowledge domestic partnerships and civil unions, can also avail high auto insurance discounts, at least from two major U.S. car insurance providers, Allstate and State Farm.

Although marriage is one factor that decreases car insurance premiums, this doesn't mean that married couples should combine their auto insurance right away, as there are certain qualifications that should be met. If both spouses have clean driving records, then combining their auto insurance may help them save a lot. Also, a married individual can qualify for even greater discounts, such as infrequent driver discount and multi-policy discount, if he/she adds his/her spouse as a secondary driver or adds his/her spouse's vehicle. On the contrary, if one partner has a negative driving record, or if one of them gets a DUI (Driving under the influence) or speeding tickets, the entire insurance policy could be affected negatively.

If marriage affects auto insurance premiums positively, is this also true for divorce? The answer is yes. Aside from losing any marriage discounts, couples who filed a divorce may also lose multi-car, garaging and other great discounts and benefits. Changing commute times or residences may also have a negative impact to your car insurance rates.

If you want to know more information, give Summit Insurance Agency a call at 800-773-1007. We will help you not only acquire the best auto insurance coverage, we will guarantee you obtain the best value you have coming to you and your spouse.

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