Engaged Couple Car Insurance Discount (2024)

How do I qualify for an engaged couple discount?

Fortunately, as you get ready to tie the knot, there are several insurance discounts available to you to help you both save money as you start a new life together. If you’re looking for cheap car insurance, a couples insurance discount could be a game-changer.

For example, some companies are now offering Engaged Couple Policies. An Engaged Couple Policy is a shared policy for individuals who are not yet married.

However, in order to qualify for this Engaged Couple Policy, you must be scheduled to be married within 12 months of the engagement.

Having this policy allows you to receive an engaged couple discount similar to a car insurance discount for married couple. You will be able to add your future spouse to your insurance policy before the wedding, leading to significant savings.

What are other ways engaged couples can save on car insurance?

If you and your future spouse are each bringing separate cars into your relationship, there are other ways you can save on car insurance as well.

One thing you can do is start a joint policy or a multi-car policy. You can insure both cars with the same carrier and become eligible for a multi-car discount.

However, since you’re not yet married, the insured cars on the plan will have different legal owners. This can be seen as risky to some insurance providers but if you’re planning on getting married soon anyway, then you’ll be able to switch to a married couples insurance policy later.

This is still a great way to save because you can save from 10 to 25 percent on car insurance with a multi-car policy. And later on, if you bundle your car insurance and home insurance with the same provider you can save even more.

Once you get married, your insurance rates will drop as well. This is because married couples are seen as less risky than their single counterparts and thus less likely to file claims.

Read more: Car Insurance Discount for Married Couples

In fact, according to a 2004 study by the National Institutes of Health, singles are twice as likely to get into car accidents as married drivers. Who would have thought that marital bliss could also lead to safer driving and savings on car insurance?

Now that you know all about engaged couples insurance, enter your ZIP code into our free comparison tool below to find affordable engaged couples discount car insurance from providers in your area.

Case Studies: Engaged Couple Car Insurance Discount

Case Study 1: John and Sarah

John and Sarah recently got engaged and decided to explore potential savings on their car insurance. They contacted their insurance provider to inquire about any discounts available for engaged couples. To their delight, they discovered that their insurer offered a special discount for engaged couples, considering it a positive indicator of responsible behavior.

By providing proof of their engagement, they were able to secure a significant reduction in their car insurance premium, resulting in substantial savings over the policy term.

Case Study 2: David and Emily

David and Emily, a newly engaged couple, were looking for ways to save money as they began planning for their future together. They reached out to their car insurance company to inquire about any discounts they might be eligible for as an engaged couple. To their surprise, they learned that their insurer offered a specific discount to engaged couples as a way to recognize their commitment and responsibility.

By submitting the necessary documentation, David and Emily qualified for the discount, leading to a notable reduction in their car insurance costs.

Case Study 3: Michael and Jessica

Michael and Jessica, an engaged couple, were looking for ways to save money as they planned their wedding. They reached out to their car insurance provider to inquire about any discounts for engaged couples. To their joy, they learned that their insurer offered a special discount for engaged couples, seeing it as a sign of stability and reduced risk.

By providing proof of their engagement, Michael and Jessica secured a lower car insurance premium, enabling them to allocate their savings towards other wedding expenses.

Case Study 4: Alex and Lauren

Alex and Lauren, excited about their recent engagement, decided to review their financial situation and explore ways to save money. One of their considerations was their car insurance policy, prompting them to reach out to their insurance provider. They discovered that their insurer recognized engaged couples as responsible policyholders and offered a specific discount to reflect this.

By submitting the necessary documentation, Alex and Lauren qualified for the discount, resulting in a significant decrease in their car insurance premium. This reduction in costs allowed them to reallocate funds towards their future plans as they embarked on their journey together.

Case Study 5: Mark and Rachel

Mark and Rachel, a newly engaged couple, were eager to start their life together on solid financial ground. In their search for ways to cut costs, they decided to explore potential car insurance discounts available to engaged couples. To their delight, they learned that their insurance provider offered a discount specifically designed to reward engaged couples for their commitment and responsible behavior.

By providing the necessary proof of engagement, Mark and Rachel were able to secure the discount, leading to notable savings on their car insurance premiums. This financial relief helped them feel more secure as they embarked on their journey towards marriage.