Will my auto insurance premiums go up if I was to marry someone with a bad driving record?

If you are going to marry someone who has a bad driving record, you should expect your insurance premium to be affected. If anyone under your policy has a bad driving record, your insurance premiums will be affected in a negative manner. Insurers do consider martial status when they calculate risk. The very fact of being married will probably improve your future spouse's risk profile.

If your spouse's driving record is really bad, you might want to try other strategies to prevent a steep change in your premium. If you are going to purchase all of your insurance policies from a single company, you might benefit from multiple car discounts. In some states, people can take driver safety courses to improve driving habits. Your fiancé might also qualify for a low-mileage discount. Doing so, he can use public transportation to work.

If everything fails, you might be able to use"named-driver exclusion. However, keep in mind that this means your spouse is not covered by your insurance company to drive your car. Your spouse will be able to insure his car separately. It is highly recommended that you speak with your auto insurance agent regarding this topic. A good auto insurance company will try to help its consumers find a good insurance plan. Ask if there is anything that you can try to do when signing someone with a bad driving record to your policy. If it will be cheaper, try signing your spouse to a different policy. Figure out what works better for you.Remember that you can speak to your insurance agent about what you want. Set certain standards and describe the situation that you are currently in.