Same-Sex Couples Get an Auto Insurance Discount CBS MoneyWatch.com (blog)
19.08.11
Same-sex couples celebrated this summer after New York State became the eighth state to legalize same-sex marriage. Now such couples could get a more mundane victory: a cut in their auto insurance bills.
In the states that allow gay marriage, the biggest two U.S. insurers, State Farm and Allstate , say they give the equivalent reduced rate to same-sex married couples as to heterosexual couples. Gay couples get the same deal in the eight additional states that have approved either civil unions (with a religious or civil ceremony) or domestic partnerships, which just require registering the partnership for most spousal rights. (See below for a full list of the states covered.)
Now Esurance , a smaller online company, is offering similar reduced rate in California, Illinois, Oregon and Washington — and is considering expansion into other states.
Being treated the same as other married couples can save a couple an average of 10% off auto premiums, according to Eric Madia, director of product and actuarial management for Esurance.
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What To Look For When Seeking bDiscount Auto Insurance/b | California b.../b
It does not matter who you are rich or poor; everyone likes a discount. Not everyone is into cutting out coupons or really searching for the sale, but when one is dropped into our lap, we do not mind taking it. That is the way it can be with finding discount auto insurance. Once you know methods of acquiring it, you won’t mind asking those few extra questions when you go to insure your vehicle.
Before you begin your search for discount Auto Insurance , it is important to check out all possible options. There are agencies that can save you time, and do this for you.
Once you or an agent have compared prices of insurance, there are several options for getting discount auto insurance that you should consider to lower your insurance rates even more. First, the mileage per year on your car and how much you use your vehicle can determine whether you get a discount. If you only drive 5,000 miles with your vehicle a year, you may be eligible for one.
Another item to mention is where you live. If you live away from the city in a more rural location, then there is a possibility you may receive a discount. Having very little traffic around reduces the dangers of a car accident and the possibility of the insurance company having to pay out.
Perhaps you are a great driver, and you have never gotten a ticket. This is definitely something to ask about. Now if you have received five tickets this year for various problems, then you might not be lucky enough to get a discount.
Another area to consider as you talk to insurance companies is whether they offer discounts for insuring more than one car. It may be to your advantage to have all your cars insured through them. You could also check and see if there would be discounts for insuring other things though their company such as renter’s insurance, homeowners, or even life insurance.
You could also receive discount auto insurance if you have security or safety options on your vehicle. If this is the case, and you do not have them, you may want to do so if the money saved is worth the cost of the additions. You may save by having airbags or theft protection on your vehicle.
In the states that allow gay marriage, the biggest two U.S. insurers, State Farm and Allstate , say they give the equivalent reduced rate to same-sex married couples as to heterosexual couples. Gay couples get the same deal in the eight additional states that have approved either civil unions (with a religious or civil ceremony) or domestic partnerships, which just require registering the partnership for most spousal rights. (See below for a full list of the states covered.)