The Norman Transcript


January 5, 2014

Insurance tips for couples that are newly engaged



Auto insurance: Combining auto insurance policies for married couples is a great way to save some money, but make sure you talk about individual driving records prior to doing so. A poor driving record could increase premiums instead of save money.

Shop around and get several quotes to ensure the best premium for your auto insurance. Other factors that affect your premium are make, model and age of the vehicle(s). Also, bundling auto and homeowners insurance with the same company can provide an additional discount.

Health insurance: When deciding what to do about your health insurance, make sure to compare the cost of adding your new spouse to your policy against keeping your own health insurance. By reviewing provisions related to deductibles, co-pays and coinsurance, you can avoid long-term extra expenses and make the right choice of which plan to keep or eliminate.

If you have health insurance through an employer, marriage is considered a major life event, which allows you to add your spouse to your plan outside of the open enrollment period.

For individual plans, contact your insurance agent for specific enrollment requirements for spouses. Keep in mind, insurance companies are no longer allowed to deny coverage for pre-existing conditions, nor can they charge more based on medical history.

Life insurance: Life insurance is important in helping to secure your family’s financial future. To calculate your needs, consider future income and plans, such as the cost of raising children.

Any large outstanding debts such as school loans or mortgage payments are also factors to consider. If either or both of you already have life insurance, check with your agent about updating your beneficiary information.

For more information on insurance basics, visit the Oklahoma Insurance Department online at

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