Do you insure all your cars with the same insurance company? You should consider it, if you want the best price on auto insurance.

Sometimes married couples like to maintain separate car insurance policies for their cars, with different car insurance companies. Maintaining separate auto insurance policies usually costs the couple a lot of money, because multi car discounts are often a 20% savings, or more, on each car.

I understand some couples like to keep their auto insurance separate, with the same auto insurance company they had when they were single, particularly if each spouse has a good relationship with their agent, & they are happy with their insurance companies.

When you get married, even if you decide to keep your auto insurance separate, both of your insurance companies will need the information on your spouse, and you will need to update your marital status to married.

Most newly married couples will contact their agents, and get price quotes for combining their auto insurance, and usually choose to insure all their cars with the insurance company offering the best price. Doing this is a very good idea, because the price savings should be worth it.

But if you really want to save A LOT of money, having a life change, like getting married & insuring all your cars together, is when you need to shop with ALL the leading insurance companies, to get the best price for your new situation. The insurance company having the best rate for you when you are single with one car, may have the highest rate for you and your spouse, once you are married, and insuring more than one car. Start shopping, research insurance companies, and get auto insurance price quotes at the link below.

If your spouse has a really bad driving record, it sometimes makes sense to insure with separate insurance companies. I will blog about this at a later date to show you how to get the best auto insurance rates, regardless of your driving record, when you get married.

For gay couples, in states not allowing gay marriage, civil unions are treated the same way as being married, so the strategy explained above will work for you, too.

What about committed couples who are not married? You can take advantage of a single insurance policy, insuring all your cars, and getting the lower rates with multi-car discounts, too.

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However, if you both have good driving habits, and you are a longtime couple owning other joint property, a single insurance policy insuring both you and your partner may be a very good idea to save money.

Sometimes, when people buy a car, they call around for auto insurance quotes, to see if they can find a better rate with another insurance company, rather than adding the car to the auto insurance policy they have now.

If you have more than one car, you are making a mistake, if you are not getting price quotes from other insurance companies, showing you the cost of insuring all your cars. You will not find a situation where you will save money by insuring the car you are buying with one insurance company, and your other cars with other insurance companies. You CAN save A LOT of money by shopping for a single auto insurance policy for all your cars, by checking the rates of all the leading insurance companies.

One exception to this is when you buy or own an antique or classic car, and insure it with a specialty insurance company. Insurance companies offering policies specializing in antique/classic/restored cars usually have better coverage with a very good price, so insuring your antique/classic cars with a different policy from your other cars, is often the best way to go.

The amount of the multi car discount can be more or less depending on the car insurance company. Some insurance companies increase the discount with the more cars you insure with them. Some insurance companies will give your child’s car a multi car discount, even if it is on a separate insurance policy (because your child is the owner of the car), as long as your child lives in your household.

These different auto insurance company rules & price savings for the multi car discount are part of the reason why it is so important to find the insurance company having the best rate for your situation.

When you buy another car, your situation changes, and insuring with another insurance company may save you $100s from what you pay by not shopping, and staying with the same insurance company.

Do you insure all the cars you own with the same insurance company? Tell me about it. Please leave a comment on my facebook page. Or, you can e-mail me at help@smartshopyourcarinsurance.com if you have questions and would like my help. Follow me on Twitter for important insurance consumer news and new blog entries at CarInsWatch.