Is It Cheaper To Have Joint Car Insurance?

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   David G. Pipes, CLU®, RICP®

   Business Development Officer, T.D. McNeil Insurance Services, Fresno, California

   I am not aware of the term “joint car policy.”  However, if you mean, “Is it cheaper to have two cars on the same policy or with the same company?” the answer is generally, “yes.”  Most car insurers offer a multi-car discount.  If you are really asking if it is cheaper to have an auto policy with two insured’s, technically, it doesn’t make any difference.  In California auto policies are issued to households and all the drivers in the household are considered.

   Answered on March 13, 2014

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