How to Obtain Affordable Car Insurance after a Divorce

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How to Obtain Affordable Car Insurance after a Divorce

You will have to deal with many sensitive issues if you are ever faced with an impending divorce. Distributing the property you and your spouse have amassed while together can be very emotional and stressful ā€“ not to mention all of the legal difficulties you may face. You will both need to determine who will end up with the vehicle, but you also need to decide how to find affordable car insurance. What makes the situation even more difficult is the fact that the requirements for collision coverage and the insurance regulations vary from state to state.

Advise Your Insurance Agent

If you and your partner have split up, you should immediately advise your insurance company. You may have to buy another auto insurance policy if you and your partner are legally divorced or no longer share the same residence. This will depend on the specific auto insurance laws in your state. If you donā€™t remove your ex-wife or ex-husband from your existing auto insurance policy, you risk being held financially liable if he or she is ever involved in a motor vehicle accident.

Comparison Shop for the Best Deal

Donā€™t be afraid to contact several insurance companies to compare insurance coverage options and rates. The insurance provider who sold you your auto insurance policy when you were married may not offer you the best rate for your current situation. Therefore, you should never assume that you are better to continue with the same insurance provider. Fortunately, it is now easier than ever to obtain auto insurance quotes. You can contact an insurance company directly or visit their website. By spending a little time to conduct some research, you can find the best auto insurance policy for your needs now that you are single again.

How Much Coverage Is Required

If you are recently divorced, you should read through your existing car insurance policy to determine if you have sufficient coverage to meet your new situation. Now that you are single, you may require additional coverage options such as car rental coverage, emergency roadside assistance or towing expense coverage.

Ways to Lower Your Insurance Premium

If you drive an older vehicle that is not worth much or has been completely paid for, you can lower the cost of your auto insurance policy by dropping comprehensive and collision coverage. You can also increase the deductible in order to lower your premium. If you are forced to move in with your parents, you may be able to save some money by having them add you to their existing auto insurance policy.

Who Pays for Auto Insurance

Generally speaking, the person who ends up with the vehicle in a divorce is also obligated to pay for the car insurance premiums. Read your new insurance policy thoroughly to verify who has to pay for the premiums. You also need to make sure your insurance agent is aware of your new address and who will be driving the vehicle. If you anticipate major changes to the kind of driving you do or the type of driving now that you are single, notify your insurance agent.

If you have children, the parent who has custody of them may need to purchase a different vehicle so they can properly care for their children. They may also need to drive much more often and pay for more transportation costs. In either case, the non-custodial parent may be responsible for paying all or some of the cost for the car insurance policy for the custodial parent. If you or your ex-spouse needs to buy a new car, you will have to buy a new auto insurance policy or purchase gap car insurance before registering the vehicle.

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