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Can Lifestyle Changes Alter Your Auto Insurance Coverage?

Lifestyle changes like retirement, marriage, divorce, homeownership, and others can alter your auto insurance coverage. If you’re adding members to your household via marriage, you may need to expand your auto coverage to get better protection for new drivers. Buying a home could help reduce auto insurance costs by bundling home and auto policies. Your Bailey Insurance LTD agent in Phoenix, AZ can help adjust your auto insurance policy to ensure you have adequate protection at every stage of your life. Here are a few ways lifestyle changes can affect your coverage.

  • Marriage – Marriage adds at least one (sometimes more) new member to your household. If your new spouse is driving your car, you may want to expand your insurance coverage to meet his or her driving needs. If your new spouse has his or her own car, you may want to combine your policies to save on insurance costs. 
  • Divorce – If you’re getting divorced, taking your spouse off of your auto policy could save you money, especially if your spouse has a poor driving record.
  • Home Ownership – Buying a home could save you money on auto insurance costs if you bundle your home and auto insurance together. There’s greater convenience in keeping track of your coverage when you bundle policies. You may even get exclusive perks from your insurer for bundling your coverage.    
  • Retirement – If you drive less after retiring, you may want to adjust your coverage to save on insurance costs. On the other hand, if you plan to travel more now that you’re retired, you may need to upgrade your coverage to ensure you’re fully protected on the road.

For customized auto insurance to suit your personal needs, contact Bailey Insurance LTD in Phoenix, AZ.