Are discounted married rate on car insurance available in Billings Montana for a couple who are not legally married but are living together?

Alexis

Billings, MT

A couple living together can publicly declare themselves as married under common-law marriage laws. In this case, they should be able to receive whatever benefits are afforded to traditionally married couples. Also, they should be subject to the laws governing such union.

In theory, auto insurance premiums for married couple are lower because insurance companies believe that marriage makes a person to be more mature and responsible. Thus, cases of reckless driving will most likely be prevented. Some insurance companies may even give discounts or a reduction in rates based on lifestyle events that signal greater maturity, such as having a baby.

So a discount or lowering of rates may be possible but on the other hand if one or both of drivers in a married couple have bad or poor driving records, then insurance rates could be higher than that of a single driver. If one party of the married couple has a good record and the other has a poor driving history, the one with the bad record can affect the rates of both. This is because insurance companies based rates on the highest risk driver in Billings Montana.

Since a car insurance policy usually extends to all licensed household members (meaning you, your spouse and anyone else with a valid license), if any of these people have a poor driving record then your insurance premiums can be affected. Keep in mind that two people are now placing both of their vehicles on one policy. A multi-car discount may also be available. Check with your Billings Montana agent or insurance company to see how you can take advantage of these discounts if offered.