* I have a 2003 Toyota 4Runner which I have a SF policy for (~$90/month)
* My wife (newly married) has a 2009 Nissan Murano which she has a Progressive policy for ($250/month)
* She has a less than clean driving record, a number of accidents in the past few years, driving under suspension (not maliciously, just genuinely forgetful and lacks object permanence)
* Her Nissan is dying so we're looking to replace it. Considering her 2009 Nissan costs her $250 to insure, we don't even want to think about what it would cost to insure something newer with her rates. I got quotes for the few cars we're looking at, not taking her rates into account, and they'd be ~$200/mo, give or take depending on the specific car.
What's the best way to go about this legally and without fucking us over as far as insurance rates go? I talked to my StateFarm account representative and she said *technically* if I don't tell them *when* we got married (and this convo was prior to getting married) then it's kind of a "don't ask don't tell" sort of situation, and I can just insure it on my policy and not add my partner to the policy so the rates don't go up.
But I'm not sure how it works as far as if my wife gets pulled over, or if someone hits her when she's driving, etc. Does she *need* some sort of policy of her own, or is it fine if the car itself is insured on my policy? How does any of this work?
How best to navigate situation with partner who has higher rates?
byu/Missing_Back inInsurance
Posted by Missing_Back
5 Comments
You need to be on the same policy
Fire that fucking agent
> I can just insure it on my policy and not add my partner to the policy so the rates don’t go up.
yeah this is called fraud and the account rep you spoke to is either an idiot or blatantly telling you to commit fraud for a small commission check.
Just shop around for the best rates. They’ll be what they’ll be. One of the big things about marriage is you’re now tied together, legally. You can’t just take the good and ignore the bad, because again, that’d be fraud.
It’s possible a newer car might be the same as an old Nissan. Nissans aren’t exactly notorious for their great drivers.
Wow what a terrible agent. First of all, SF will eventually know you are married. Second, with Statefarm, every car has its own individual policy. Adding her to the policy and assigning her to her new car will have 0 effect on yours. In fact, your rate may decrease since married drivers get better rates and now you are eligible for a multi-car discount. Wow after typing all that, that agent sounds like a moron.
Source: I work for a SF agency and have been through this many times.
Ew that’s my biggest agent red flag. She basically said “yeahhh we can lie”
But what’s the risk to her? She gets the policy, the commission, whatever.
You get all the risk. They could cancel your coverage, deny your claim, anything really. Insurance is about transferring risk, not taking on MORE risk just to save money. Don’t let anyone convince you otherwise, not even a professional. It’s suppossed to cost $100 extra now to save you $50k later. Not vice versa. 👍
Surprised you’re on separate policies lol. My agent wouldn’t renew unless my wife got on my policy.