Multiple car discounts on car insurance coverage for married drivers in Michigan

Michigan's newlyweds and two-car households can take advantage of special programs and save up to 30 percent on auto insurance coverage. State regulators permit Michigan insurers to offer multiple car discounts on car insurance coverage for married drivers. The discounts vary by insurer, but they can shave hundreds off annual premiums.

Michigan is one of the nation's most expensive states to insure a vehicle, so every dollar saved can help with your family's budget. According to 2010 data from the National Association of Insurance Commissioners, each Michigan driver pays an average of $935 for auto insurance. Get married, and you know your family will be paying $1,870 or more per year to keep the two of you driving legally.

Here are some of the multiple car coverage savings available from some of Michigan's top car insurance providers:

• Save up to 20 percent with State Farm
• Get as much as a 25 percent discount with Geico
• Earn up to 26 percent back at 21st Century

Insurers are careful to use the wording "up to" a certain percentage because individual results can differ. Your Michigan multi-car insurance discounts for married drivers can change based on any of the following:

Number of vehicles being insured at the same address - Does the insurer increase the discount for each additional automobile added to a policy? What is the maximum number of vehicles that qualifies for this price reduction?

Type of vehicles added to the policy - Does the insurer allow motorcycles, boats, RVs or other motorized vehicles to count when granting a multi-vehicle discount?

New customers or existing customers - Does the auto insurance company reward loyal customers with higher discounts? Does the company entice new customers with lower rates?

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Full or partial policy period discount - Does the insurer grant a dollar-off discount or a percent-off discount when subtracting money from your bill?

Extent of the discount program - Does the car insurance company take money off the overall cost of insurance or off certain policy components, such as liability coverage or collision insurance?

If you are an unmarried couple living in the same household, you may still qualify for the same multi-car discounts on insurance coverage as married Michigan drivers. Applicants typically just have to prove that they park their vehicles at the same address. Keep in mind, however, that not all insurance providers offer this benefit.

Married life can be stressful enough without worrying about the cost of auto insurance. To reduce your monthly bills, consider asking your insurance company about a multiple car discount on car insurance coverage for married drivers in Michigan. If you don't have an agent working wiht you, let Reply! connect you to insurance professionals in your area capable of putting together the best possible car insurance package for you and your partner.