Domestic Partners Get the Married Rate with Esurance

Domestic partners have a new opportunity to save on car insurance with Esurance. Even those in states where domestic partnerships aren’t legally recognized.

When you get a car insurance quote, the price you see reflects numerous factors about you — where you live, your driving history, and much more. And some of those factors might seem to have little to do with car insurance. For instance, any newlywed who has decided, in a blissful post-honeymoon haze, to get a new car insurance quote stands a good chance of seeing some significant savings.

Why? Well, the fact is that car insurance companies base their rates (in part) on personal characteristics that have proven statistically significant. Married people, for example, tend to be safer drivers. Guess it’s just something about tying the knot that makes people decide to take fewer chances behind the wheel.

But what about domestic partners — shouldn’t the same logic apply? You’d think, but with some insurers, domestic partnerships are a whole different ballgame.

Not at Esurance.

The married rate for domestic partners

If you’re not already hip to the nature of domestic partnerships, here are the basics: two cohabitating people of any sex and sexual orientation can register a domestic partnership with their state.

The basic purpose of domestic partnerships, in states that recognize them, is to recognize gay and lesbian couples for their commitment. A domestic partnership isn’t technically a marriage, but it can offer some of the same benefits.

Here in Esurance’s home state of California, for instance, the Family Code (section 297.5) states that:

Registered domestic partners shall have the same rights, protections, and benefits, and shall be subject to the same responsibilities, obligations, and duties under law … as are granted to and imposed upon spouses.

(Emphasis ours.)

The benefits vary across states, however, and many don’t recognize domestic partnership at all.

But if you are (or want to be) an Esurance customer, you can enjoy at least one benefit of domestic partnership in most states where we do business: the chance to save on your car insurance with the married rate. Whether your state offers domestic partnership registration or not.

That’s right. If you’re in a committed relationship with a domestic partner (same sex or not), we value that commitment. No matter what your home state has to say about it. In fact, Esurance was one of the first car insurance companies to extend the married rate to domestic partners.

Why we offer the married rate to domestic partners

Our support of equality isn’t about standing on a political soapbox. It’s simply about making sure everyone gets the savings they deserve. Our goal is to provide as many drivers as possible with the best rates possible.

Historical data and prediction models help us determine how certain characteristics (like driving history, education, and, yes, marital status) will affect insurance risk. We know that married couples have proven to be a lower risk than their single counterparts and our analysis shows that the same is true for domestic partners.

Where the married rate applies

At present, we offer the married rate to domestic partners in all but 4 states where we do business:

  • Alabama
  • Arizona
  • Arkansas
  • California
  • Colorado
  • Connecticut
  • Georgia
  • Idaho
  • Illinois
  • Indiana
  • Iowa
  • Kansas
  • Kentucky

 

  • Louisiana
  • Maine
  • Maryland
  • Michigan
  • Minnesota
  • Mississippi
  • Missouri
  • Nebraska
  • Nevada
  • New Jersey
  • New Mexico
  • New York
  • North Dakota

 

  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Virginia
  • Washington
  • West Virginia
  • Wisconsin

The departments of insurance in Florida and North Carolina won’t allow us to extend the married rate to domestic partners at present. Massachusetts doesn’t allow the married rate, regardless of gender.

In New York, where gay marriage is legal (yay!), you must choose “married” to get this rate. And if you’re in a registered domestic partnership in California, select “domestic partner (registered)” when you get your quote.

About the married rate

It’s important to note that the married rate isn’t a discount, and it’s not necessarily a shoe-in for savings — it’s just one of the many things that we consider when rating policies. But it could mean a lower overall premium for domestic partners.

Esurance values diversity

If you’re acquainted with Esurance, you’re probably aware that we’re big supporters of Pride nationwide and sponsor events all across the country, from Seattle to Orlando. We’ve also helped raise funds for The Trevor Project, GLAAD, and PFLAG. In short, we’re all about celebrating the uniqueness and diversity of this nation, our customers, and our associates.

Related link

Find out more about the married rate for domestic partners.

 

2 Responses to “Domestic Partners Get the Married Rate with Esurance”

  1. Paul S. Perfater
    November 17, 2014 #

    This section is interesting, although very misleading, in that it appears to offer protection to the domestic partner of the named insured. You seem to be wanting to treat domestic partners as being the equivalent of a spouse but it simply doesn't happen under your policy.
    Your auto policy defines an "insured" as being "you" or any "family member". "You" is defined as being the named insured on the Declarations page. The definition of a "family member" is a person related to "you" by blood, marriage or adoption. The bottom line is that a domestic partner does NOT fit within your definition of an "insured".
    The only place a domestic partner gets included is in the definition of "household" which also includes unrelated roomers and boarders (and we all know no insurance company is extending coverage to unrelated roomers/boarders); actually, the inclusive nature of "household" makes no difference in the policy coverage because there is no coverage for a household extended in the policy.
    One of my employee and her domestic partner have your policy and I explained to her that her domestic partner being the named policy owner extends to her no coverage other than being protected while she is driving her vehicle. If she was hit as a pedestrian while crossing the street by a drunk, or has an accident driving someone else's vehicle she has no coverage under this policy. Her UM, UIM, and medpay only apply while she is in the insured vehicles.
    My employee previously was insured with Nationwide. Her Nationwide policy listed both her and her domestic partner as owners of the policy and "named insured". She changed to your company for the reduction in premiums, and now it seems she has significantly less protection. The solution to this is to allow both domestic partners to be named on the top as "named insureds" and owners of the policy.
    You may be giving a reduced rate for persons in domestic partnerships, but you are also giving reduced coverage to the partner who is not the named insured.
    I also think a little training is called for in teaching your employees the difference between a named insured and an "additional driver"; they simply "don't get it". The crazy thing is that we have had at least two lengthy phone conversations with your employees and they simply do not understand the difference between a "rated operator/additional driver" and being an "insured". Your employees forcefully argue that my employee has complete coverage which is not true.

    • Jennifer Wood
      November 19, 2014 #

      Hi Paul!

      In order to follow up on your comment, I need to know which state your employee lives in. Regulations differ from state to state and I want to be sure I've got all the right information before responding.

      Thanks!

Leave a Reply

Leave your opinion here. Please be nice. Your email address will be kept private.