Q: What should I know about insurance when getting married?

You have bigger things to worry about after the honeymoon. As a matter of fact, it might be an even better idea to begin worrying about insurance before you get married. As long as you worry about the necessary things, you will have absolutely no problem. Before we go any further, there are two major elements that every couple should keep in mind when it comes to insurance: the price and the coverage. Once you think about it, those are the two major factors for everyone. Here are some things that you might want to discuss with your spouse:

• The type of home insurance
• Keeping track of your finances
• Combining policies
• The type of car insurance
• The type of health insurance
• The type of life insurance
• The amount of insurance you need
• Changing two policies into one common policy with more coverage
• Discounts
• Keep in mind that if your spouse has bad credit or a bad driving record, it might be better to continue with two separate policies
• Purchasing a safer vehicle
• Keeping track of your premiums
• Think about employer-sponsored health plans
• Think about a health insurance policy that will also provide coverage for future children
• Purchasing auto, life, health and home insurance from the same dealer to save yourself money
• Consulting agent or carriers to work out policy plans