Can Husband And Wife Have Separate Auto Insurance?
16470 POINTSview profileDavid OsgoodAgent, Rural Mutual Insurance Co., Union Grove, WIBased on my education and experience in the industry up to this point, yes it is possible for a husband and wife to have separate auto insurance. This practice is frowned upon though by the carriers and will typically make the cost of the auto insurance more costly for both the husband and the wife.Answered on October 28, 2013flag this answer
37376 POINTSview profileDavid G. Pipes, CLU®, RICP®Business Development Officer, T.D. McNeil Insurance Services, Fresno, CaliforniaAuto insurance follows the car. The car is assigned to a household (address.) All the drivers in the household are considered when the insurance company issues the policy. Technically this would mean that a husband and wife living in the same household could not have separate policies. It does happen particularly when one has a very bad driving record and the preferred company refuses to insure that driver. Other substandard insurance companies will cover the driver in which case you have husbands and wives insured separately with different companies. The driver with the bad record is probably excluded from the car assigned to the driver with a good record.Answered on June 27, 2014flag this answer
21750 POINTSview profileJim WinklerCEO/Owner, Winkler Financial Group, Houston, TexasThat is a great question! You can, but there are usually circumstances that make it necessary for separate policies, since as a rule spouses are included as drivers on the single policy. It is easier for the insurer, and cheaper for you if you do. However, if a vehicle is used by one spouse strictly for business, and the other spouse is not a driver of that vehicle, it can happen that you have separate policies. If one spouse has a very poor driving record and has a last resort insurer it is also possible. If you just got married, and haven't yet consolidated the policies, it is also possible. I hope that helps - thanks for asking!Answered on June 27, 2014flag this answer
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