Auto Insurance Premiums Illinois IL

Reader’s Question:

My fiancé here in Illinois has a bad driving record. Will it affect my auto insurance premiums?

Stephanie

Cicero, IL

Yes, Stephanie, you can expect your auto insurance premiums to be affected after you get married. This is because your auto insurance policy covers all of the drivers that are stated in the policy. That list usually consists of you, your husband or any other driver that you wish to include. And if any of those drivers have a poor driving record, your insurance rates will be affected.

Insurance companies usually consider marital status when calculating risk, so getting married can improve your fiancé’s profile. But there are other things that you can do to prevent an increase in your premium.

You can get multiple policy discounts if you buy all of your policies from one auto insurance provider. You can also enroll your soon-to-be husband in courses for drivers’ safety, because in some states that can improve driving records. And if you are both going to work, you can raise your deductibles to lessen your premiums. He can also qualify for another discount, the low mileage discount, by commuting to and from work. And as last resort, you can use the named-driver exclusion clause in your car insurance policy to rule out your fiancé from your car insurance policy. But that would also mean that your husband-to-be is not protected when he is driving your car, so you have to be careful. He can also apply for a separate insurance to cover his car.

You should talk to your agent in Illinois regarding your situation, so he or she can recommend options that can work for you and your fiancé.

Tags: auto insurance premium, Car insurance discounts, driving school