After you get married, there are a lot of decisions to make. Should you get a joint checking account? Should you file your taxes jointly? And when it comes to your insurance, should you be on the same policy as your spouse?

Here’s what you need to know about your marital status and your auto insurance rate.

How marriage affects your car insurance

When determining rates, car insurance companies consider many factors, including the make and model of the car, how often it’s driven, what state it’s registered in, and the potential risk of a driver. And when it comes to adding a spouse, you’ll often see a lower rate if you’re on the same policy. Why is this? Well, generally speaking, those who are married are less likely to get into an accident than those who are single.

The married versus single insurance policy price difference is greatest for younger people. A twentysomething, for example, could pay less on a car insurance premium once they get married. But overall, the impact to your insurance price for a single-person policy versus a joint policy goes down as you get older because your price can decrease for other reasons (like becoming a more experienced driver).

1. Compare driving records

Before you and your spouse get on the same car insurance policy, consider your driving histories. If one of you has lots of tickets or claims, it could exclude the other person from discounts they’d otherwise be eligible for. If this is the case, you may want to stick with individual coverage.

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2. Check out their car

Another reason why you might want to stick with separate policies? If one of you drives a “high-risk” vehicle, such as a sports car, since this could raise your premium even if you mainly drive your own vehicle. Evaluate your situation before you commit to joint coverage.

3. Bundle up

Additionally, married couples may also qualify for a discount by purchasing other insurance products from the same company, such as home insurance, renters insurance, or life insurance.

If you already have auto insurance and have recently gotten married, find out if adding your partner to your policy qualifies you for a better rate. If you each have different insurer carriers and aren’t sure which one to switch to, shop around with various insurance companies and see if a joint policy may save you some dough.

For more great insurance tips, check out the Answer Financial blog.

Please note: The information provided above is general and does not necessarily reflect the policies of Esurance or the discounts available through Esurance. Esurance discount amounts may vary and coverage and discounts are not available in all states.

Insurance 101 | Car insurance 101

about Answer Financial

Guest blogger Answer Financial offers shoppers the opportunity to compare prices and purchase auto and home insurance from top companies through its award-winning website or customer call center. Answer Financial is one of the largest auto and home insurance agencies in the U.S., with over 3.4 million vehicles and homes insured.