Health & Fitness
Marital Status Can Affect Insurance Rates
Is your former spouse affecting your auto insurance quote?
Auto insurance is mandatory, but again, you want to have
an adequate liability limit. State minimums are usually low and defense costs
would eat them up before you could blink.
Premiums are high right now, so you want to make sure that you are
getting all the available credits. Ask
the agent what credits are available. Some possibilities are anti- theft device,
airbags, defensive driving, student away and good student discounts. Although available credits vary by company, the
topic should be part of the discussion with the agent. It is also important to be aware that the
quoted auto premium can sometimes include the driving and claim record of the ex –spouse. It is not uncommon for the information of the
ex-spouse to show up on the report that is
used by insurance agents to quote premiums.
All companies have access to your motor vehicle record and use something
called CLUE which lists loss history.
Make sure that you don’t get penalized for your ex! The agent needs to know that you are divorced
and that you only want your record to be considered in the quote.
Linda Schwartzman is an Insurance Sales Executive at the
John M. Glover Agency. She has been in
the insurance business since 1984. She
is divorced and remarried. Many of her
clients are divorced women who she helps with their
insurance needs. For inquiries she can be contacted at lschwartzman@johnmglover.com 203-956-2480 ( direct number).
