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.
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:
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.