Insurers may interpret the taking on of the responsibilities of marriage and the setting up a home as positive signs of maturity. Most insurers believe that married couples who live together are less likely to be involved in accidents as this maturity typically affects the way they drive.

Fewer accidents mean fewer insurance claims against a car insurance policy. So, mature and responsible individuals are typically seen as a lower risk.

A lower risk equals lower insurance premiums

Normally, in insurance terms the lower the risk, the lower the car insurance premium. As a result of this logic, it’s possible that an insurance company may offer lower premiums to those that are married – or those co-habiting in a long term relationship - and the savings may be substantial.

You might need to consider a couple of points though. You’ll save most money if neither of you’ve claimed on your insurance policy before and if you are both free of any endorsements or points on your licences. Insurance companies do not like motoring convictions whether the offender is married or not!

If one of you has had some sort of motoring conviction in the past then you may find that it makes better sense to keep your insurance separate because your combined risk levels may actually mean that your insurance premiums would increase rather than decrease.

• The good news is that you may not have to be married to benefit. Those in long-term relationships may also be able to benefit from the discounts available to married couples.
• Use a car insurance comparison service such as ours, to help you find cheap car insurance for your budget and your circumstances.

Search and compare car insurance with Tesco Compare and learn more on womens car insurance.