Merriya Valleri

Expert Insurance Writer

Merriya Valleri is a skilled insurance writer with over a decade of professional writing experience. Merriya has a strong desire to make understanding insurance an easy task while providing readers with accurate and up-to-date information. Merriya has written articles focusing on health, life, and auto insurance. She enjoys working in the insurance field, and is constantly learning in order to ...

Expert Insurance Writer

Chris Abrams

Licensed Insurance Agent

Chris is the founder of Abrams Insurance Solutions and Marcan Insurance, which provide personal financial analysis and planning services for families and small businesses across the U.S. His companies represent nearly 100 of the top-rated insurance companies. Chris has been a licensed insurance agent since 2009 and has active insurance licenses in all 50 U.S. states and D.C. Chris works tireles...

Licensed Insurance Agent

UPDATED: Jan 9, 2024

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UPDATED: Jan 9, 2024Fact Checked

Key Takeaways

  • Multi-Driver Discounts: Many insurance companies offer discounts to couples who have multiple drivers covered under the same policy. This discount is based on the premise that spreading the risk across multiple drivers can result in lower overall premiums.
  • Multi-Policy Discounts: Combining multiple insurance policies with the same provider, such as auto and home insurance, can often lead to significant savings. This approach is generally more cost-effective than maintaining separate policies with different providers.
  • Esurance’s Same-Sex Couples Discount: Esurance, an insurance provider, stands out by offering a unique 10% discount to same-sex couples in all states, regardless of their legal relationship status. This inclusive approach aims to provide equal benefits to all couples.
  • Universal Discounts for Civil Unions (Potential): The article suggests that other insurance companies may follow Esurance’s lead and begin offering universal discounts for civil unions, providing an opportunity to expand their customer base.

What About Same Sex Couples?

In states where civil unions, domestic partnerships or same-sex marriage is legal, gay couples get the same benefits as heterosexual partners. In other states, however, insurance companies traditionally do not offer discounts to same-sex couples. In these areas, the cohabiting couples are treated as roommates rather than spouses. They may qualify for some discounts, like those for multiple policies, but their marital status will be listed as “single” on the policy and they will not be placed in the same risk bracket as legally married couples.

One company that handles this differently from its competition is Esurance. They were one of the first insurance companies to offer discounts to couples in civil unions and domestic partnerships, and they’ve recently made this option available in all states. Even if same-sex partnerships do not have the same legal standing in a given state, Esurance will still extend the discount. This means that same-sex couples can get the same 10% discount as any other couple no matter where they live.

This inclusive offering from Esurance is just one of many user-friendly discounts the company provides. Esurance offers several other innovative discount programs, such as discounts to drivers who follow the company on Facebook and to single parents. Now owned by Allstate, Esurance has a long history of marketing products to young, technologically savvy and eco-friendly consumers, and their open support of LGBT couples will help maintain and grow its customer base.

Over time, other insurance companies may begin to follow Esurance’s lead. Allstate, MetLife and Prudential have all taken active steps to reach out to the LGBT community, so universal discounts for civil unions may be just around the corner. Since car insurance is so competitive, it’s unlikely that any company will resist this opportunity to widen its customer base for long.

When shopping for insurance, it’s always worthwhile to ask what discounts you qualify for and whether a certain discount will apply to you. If the company cannot provide you with a discount, you can always search for a competitor who will. This can help weed out some providers and enable you to choose the best company.

Depending on your needs and individual situation, Esurance may or may not offer the best deals on auto insurance. You should, however, always take advantage of every discount that’s available to you. This will help ensure that you get the best possible deal on auto insurance regardless of your marital status, gender or any other factors.

Case Studies: Same-Sex Couples and Car Insurance Discounts

Case Study 1: John and Michael – Overcoming State Limitations

John and Michael, a same-sex couple in a state without legal recognition for civil unions or domestic partnerships, wanted equal car insurance discounts. They discovered Esurance, an inclusive provider offering a 10% discount to same-sex couples in all states. By switching to Esurance, they received the same discount as any married couple.

Case Study 2: Sarah and Emily – Inclusive Discount Opportunities

Sarah and Emily, a same-sex couple, sought insurance discounts for civil unions or domestic partnerships. Most companies treated them as roommates, limiting discounts. Esurance, however, offered a 10% discount to couples in civil unions or domestic partnerships, regardless of state legality. They switched to Esurance to benefit from the inclusive discount.

Case Study 3: David and Alex – Expanding Customer Base

David and Alex desired recognition for their civil union, despite their state’s legal standing. Esurance extended the same discount to same-sex couples nationwide. Esurance’s support of the LGBT community and marketing efforts resonated with them. They switched to Esurance for their auto insurance needs.

Frequently Asked Questions

Can Same Sex Couples Get the Same Discounts as Other Married Couples?

Yes, in most cases, same-sex couples are eligible for the same discounts as other married couples. Insurance companies generally base rates on the risk factors associated with a particular policy, not the gender or sexual orientation of the policyholders. However, some states may have different laws and regulations regarding same-sex marriage, so it’s important to check with your insurance provider to ensure you’re receiving all available discounts.

Do insurance companies offer discounts to same-sex couples in all states?

No, insurance companies traditionally do not offer discounts to same-sex couples in states where civil unions, domestic partnerships or same-sex marriage are not legal. However, some companies like Esurance offer discounts to couples in civil unions and domestic partnerships, regardless of their legal status.

Which company offers discounts to same-sex couples in all states?

Esurance is one of the few insurance companies that offer discounts to same-sex couples in all states. They were one of the first insurance companies to introduce this option and offer a 10% discount to couples in civil unions and domestic partnerships.

What should I do if my insurance provider does not offer discounts to same-sex couples?

If your insurance provider does not offer discounts to same-sex couples, you can always search for a competitor who will. It’s always worth asking what discounts you qualify for and whether a certain discount will apply to you.

Can car insurance discounts for same-sex couples vary depending on their marital status?

Yes, in states where civil unions, domestic partnerships or same-sex marriage are not legal, same-sex couples may be treated as roommates rather than spouses. They may qualify for some discounts, but their marital status will be listed as “single” on the policy, and they will not be placed in the same risk bracket as legally married couples.

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Merriya Valleri

Expert Insurance Writer

Merriya Valleri is a skilled insurance writer with over a decade of professional writing experience. Merriya has a strong desire to make understanding insurance an easy task while providing readers with accurate and up-to-date information. Merriya has written articles focusing on health, life, and auto insurance. She enjoys working in the insurance field, and is constantly learning in order to ...

Expert Insurance Writer

Chris Abrams

Licensed Insurance Agent

Chris is the founder of Abrams Insurance Solutions and Marcan Insurance, which provide personal financial analysis and planning services for families and small businesses across the U.S. His companies represent nearly 100 of the top-rated insurance companies. Chris has been a licensed insurance agent since 2009 and has active insurance licenses in all 50 U.S. states and D.C. Chris works tireles...

Licensed Insurance Agent

Editorial Guidelines: We are a free online resource for anyone interested in learning more about car insurance. Our goal is to be an objective, third-party resource for everything car insurance-related. We update our site regularly, and all content is reviewed by car insurance experts.