Just Married? A Guide to Combining Your Insurance
In 2020, almost 1.7 million people tied the knot across the United States. 当你把家庭和财务结合起来的时候，很多事情都会发生变化，大发888dafa就是其中之一. As you're working through your post-wedding checklist, 记住，大发888dafa公司认为婚姻是人生中的一件大事. Therefore, 您通常可以在任何适用的开放注册期之外对您的政策进行更改.1
重要的是要记住，你们的新夫妻身份可以让你们获得更好的大发888dafa范围和更低的费率. 例如，通过同一家公司购买多种保单，您通常可以获得折扣. This may mean more room in the budget for better coverage.
以下是与主要大发888dafa类别相关的婚姻福利.
Car Insurance
If you are, for example, a single 25-year-old man, 一旦你步入婚姻殿堂，大发888dafa公司就会以不同的眼光看待你. 已婚男性和女性的保费通常比单身男性低4 - 10%, 当你把你的车合并在同一保单下时，许多大发888dafa公司会给你折扣.2
If you and your spouse have different insurance companies, 你可能想问问两家公司，通过合并你的保单可以节省多少钱. Even better, 你可以考虑购买多辆车的折扣，并比较报价，看看哪家公司提供最好的价格为你想要的覆盖范围.
Life Insurance
人寿大发888dafa是你财务规划策略的重要组成部分. If you already have a life insurance policy in place, 你应该记得更新受益人，包括你的妻子或丈夫.
If you don't have life insurance or wish to review your policy, there are several factors to take into consideration. Once you're married, chances are you will be combining your finances. With that in mind, 许多夫妇会找理财专家讨论如何将人寿大发888dafa纳入他们的理财规划策略.
While reviewing your current or new policy, 你应该确保你的人寿大发888dafa包括如果你们中的一个去世的收入损失. If something happens to you, 你的配偶可能会发现单靠一份收入很难支付每月的开支. For example, 如果你从两个分开的公寓搬到一个你们共同拥有的房子, the mortgage could be much higher than you could afford on your own. 购买人寿大发888dafa可以给你和你的配偶一个缓冲，以防不可思议的事情发生.
在大多数情况下，婚姻状况的变化会对你的人寿大发888dafa费产生积极影响. This means that you may save money when you renew your policy.
一旦你有了孩子，是时候重新审视你的人寿大发888dafa了. At this time, 你应该把你的孩子作为受益人，并考虑增加你的保单金额来支付其他费用, such as college tuition.
Health Insurance
医疗大发888dafa提供了另一个通过组合政策来储蓄的机会. 在某些情况下，你和你的配偶都可以通过你的雇主获得团体大发888dafa. 你们应该考虑你们作为已婚夫妇在每份保单下所要支付的大发888dafa范围和大发888dafa费. Then, 明智的做法是选择最有利的大发888dafa，并根据你的婚姻状况更新大发888dafa范围.
You typically have up to 60 days to make these changes, as determined by the Special Enrollment Period for major life events, like getting married, having a baby, and so on. 与每个大发888dafa公司核实，以确保您在允许的时间范围内进行更改. 把你的大发888dafa组合起来比单独投保要便宜得多, especially if you already have children.3
For self-employed spouses, 加入雇主团体大发888dafa覆盖的配偶的大发888dafa通常更便宜. 你应该考虑免赔额和共同支付额等因素，以帮助你为新的家庭状况做出最好的决定.
Homeowners or Renters Insurance
If you don't already live together, there are a few things to take care of after you combine households. 首先，重要的是要记住取消任何你不需要的房屋或租房大发888dafa.
Second, homeowners insurance consists of the physical structure—your home, fences, sheds, and unattached garages—and your personal items within the property. 新婚夫妇应该确保提高现有的大发888dafa限额，以涵盖配偶双方的贵重物品. In addition, 你应该确保将你的配偶包括在你最终选择的保单中.
Multiline Discounts
财产和意外伤害大发888dafa公司通常提供不止一种大发888dafa. 例如，考虑ABC大发888dafa公司，它同时销售家庭和汽车大发888dafa. 如果你和你的配偶需要家庭大发888dafa，并且想为你们的两辆车省钱, the insurer may offer a multiline discount. To increase your chance of saving, you may want to comparison shop with at least three different providers.
As you settle into your new life together, 在特殊的招生期内，重新评估和整合大发888dafa政策是很重要的. If you have a question about your coverage, reach out to your financial professional or insurance agent right away. 他或她可以帮助您确定所需的大发888dafa类型以及如何节省保单保费.
1. CDC.gov, 2022
2. Investopedia.com, April 14, 2022
3. Healthcare.gov, 2022
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