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Getting married: How wedding bells change your insurance needs

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Getting married is a very exciting time in one's life. It's a new beginning, the merging of assets and the chance to receive a bigger discount on your auto insurance rate. That's right: marriage can actually save you money!

Many insurance companies offer discounts for multiple cars. So by having all your automobiles under one policy, you can save money and cut down on multiple bills and policies you may have. During this time you may also want to shop around and compare the quotes and policies of other insurance companies. This will help you find the best rate and coverage for you and your new spouse.

Widowed or divorced
Being recently divorced or widowed is a very difficult and, unfortunately, it is also a time when you need to reevaluate your auto insurance coverage. Depending on your situation, you may be the only full-time driver in your household, which means your rate may go up. Even worse, it may go up higher than you can afford.

However, there are things you can do to try and keep your costs down. For starters, shop around. Although your current insurance provider may have given you the best rate while you were married, that doesn`t always mean they will be able to do the same when you are single. Also, take a good look at your plan. What you once needed as a married couple may no longer apply as a single person.

With the loss of an extra income, your budget might also become tighter. If this is the case you might want to consider looking into raising your deductible or eliminating your comprehensive and collision coverage. Even though you may not want to, these changes could make a considerable difference in your auto insurance rate.