Auto Insurance ?

Two*True

Are you and DW/SO on a combined auto insurance policy or separate?

I'm curious because I just called my auto insurance company to see if I could lower my rate (I have a really good rate, but have not asked to lower it 3 years).  K and I are listed on each other's policies but they are separate policies.  I checked to see if combining them would be cheaper and it's actually more   Maybe that's normal but I thought it was weird because our company already counts us as married and gives us the married couple discount so I would have guessed that one policy = less paper work = less $.

ctbride08

Andrea and I have 2 policies for each of the two cars but we're both named on both - maybe the need for seperate policies is due to the 2 cars, not the two drivers?  i never questioned it since we have an agent that set up all of our insurance coverage for us...and we only make one payment which is split appropriately between the 2 auto policies. not that this rambling helps answer your question at all...

Two*True

ctbride08:

Andrea and I have 2 policies for each of the two cars but we're both named on both - maybe the need for seperate policies is due to the 2 cars, not the two drivers?  i never questioned it since we have an agent that set up all of our insurance coverage for us...and we only make one payment which is split appropriately between the 2 auto policies. not that this rambling helps answer your question at all...

That's the same as us. 2 cars, 2 policies, we are each on both policy.  I just thought (wrongly I guess) it would be less work for everyone to just have one piece of paper.  

cookiemonster03

we're both on C's USAA. I had no idea it was possible (on USAA) but it is!

slbacon1986

cookiemonster03:

we're both on C's USAA. I had no idea it was possible (on USAA) but it is!

We have checking/savings with USAA and also a home loan, I didn't think they would let me on, but we did it with no problems.