Do you ever wonder how much others are paying for their car insurance? Rates vary from one person to the other, but take a look at what one person could be paying for a 2015 FORD TAURUS in this Liability Sample Quote.
Liability Limits: $25,000 each person $50,000 each accident $25,000 Property Damage
Uninsured Motorist: 25/50/25
Underinsured Motorist: Rejected
Medical Payments: Rejected
Comprehensive/Collison Deductible: Only Comp – $100 deductible
In some states, it IS permissible to reject uninsured motorist coverage.
Liability Sample Quote: Insurance Rate Factors
State: South Carolina
Gender: Male
Age Group: 40s
Legal Marital Status: Married
Prior Insurance: No
Violations: Yes
SR-22: No
Discounts Applied to this Liability Sample Quote:
Education Discount
Paid-in-Full
Paperless Discount
Multi-Vehicle Discount
Automatic Payments
Driving App
Bundle/Multi-Policy Discount
Homeowner
Continuous Insurance
5-Year-Accident-Free: Good Driver Discount
Additional Notes: This person has a good driving record! His spouse is excluded from the policy.
Disclaimer: The purpose of this page is to showcase an estimate of what insurance may cost an individual with these products and/or circumstances. This is based on a real Liability sample quote.
Why Would a Person Exclude Their Spouse from their Policy?
There could be several reasons why someone might want to exclude their spouse from their car insurance policy:
Driving Record: If one spouse has a poor driving record with multiple accidents or traffic violations, it could significantly increase the cost of the car insurance policy. By excluding the high-risk driver, the policyholder may be able to secure a more affordable rate.
Separate Vehicles: If each spouse has their own vehicle, they may choose to maintain separate insurance policies to reflect their individual driving habits and preferences. This can be particularly common when each spouse has a different level of coverage or uses their vehicle for different purposes.
Financial Reasons: Sometimes, one spouse may have a much higher income or more assets at risk in the event of a car accident. In such cases, excluding the lower-earning spouse from the policy can protect the assets of the higher-earning spouse.
Licensing Issues: If one spouse doesn’t have a valid driver’s license, they cannot be added to the car insurance policy as a driver. This might lead to their exclusion.
Personal Preferences: Personal preferences and relationships can also play a role. Some couples may prefer to keep their financial matters separate and may choose to exclude their spouse from their policy for privacy or other reasons.
It’s important to note that insurance laws and regulations can vary by location, and not all insurance companies allow for the exclusion of a spouse from a policy. Additionally, excluding a spouse from a policy should be done in compliance with the laws and regulations in your area, and it’s essential to understand the potential implications and risks involved in doing so. It’s always a good practice to consult with an insurance agent or legal professional before making any changes to your insurance policy.
6-Month Premium:
$ 1,092.00
Monthly Installments:
$350.87
Curious to see what YOUR quote would be? Click here to fill out an online form to receive a estimate or give us a call at 888-445-2793.
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I've been doing business with A+ insurance for many years and have always had very great experiences with their agents. Always very professional, friendly and patient with their customers. Paperwork is well explained and extremely easy to complete via text or email. I want to thank Amanda for being so friendly and professional in helping me with multiple transactions. Thank you A+ for working with a variety of agencies that best fit our needs.
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NANCY M.
9/28/2023
A plus had always been there when I call. Crystal is the best!!
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Diego o.
4/15/2023
Krystal was very helpful in getting me a good rate on my insurace!
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Dylan
4/14/2023
Great Professional, customer service. Would definitely recommend!
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Johnny S.
1/21/2022
Fast, easy and to the point. I was very pleased.
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David M.
10/25/2022
Marlon was a great help!
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Jake S.
1/10/2023
Alexis was very helpful. Would refer to all my friends.
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royroy177
11/08/2023
Great lots of help and very kind
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7/17/2022
Always trust this insurance
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3/15/2023
Very helpful!
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Tabatha G.
2/02/2023
Amanda Moss is the best!! She went above and beyond to help me and for that I’m extremely thankful and grateful!!😃 thanks so much for your extraordinary customer service!!!
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tequilia b.
12/09/2023
Helped me switch insurance and saved me 15% or more within 15 minutes! Exceptional service!
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Elliott N.
9/14/2022
Crystal was so amazing & helpful. She was so patient when I couldn't find my wallet. She got the best price She could for me & for that I'm thankful. Thank you Crystal
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Chrisa M.
10/11/2023
Cam helped me out great job
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Zachary H.
4/27/2023
Jola was amazing she got job for me and went above and beyond for me I appreciate that . 🙏🏾
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Brittany C.
9/09/2022
Great great service. Glade I met them. Will highly recommend them.
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Billie P.
3/08/2023
Crystal helped me initially sign up for my car insurance with sr22. I then bought a vehicle and had to get full coverage. The operator who i talked with had me on a ridiculously high plan at around$480 a month!! Crystal was able to help me find another provider with the same coverage at less than Half the cost!! She saved me hundreds of dollars a month and I am super greatful! Im a single father with two kids and this was truly life changing for our little family. Ill definitely recommend A Plus insurance and Crystal to anyone I speak with about car insurance. Thanks again Crystal!!! Youre the best.
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Corrigan C.
7/14/2022
Alexis at A Plus Insurance is an amazingly friendly and very customer-service focused representative of your company. She was extremely thorough in wanting to understand my inquiries and she ensured all of my questions were answered in a timely manner. She even made an extra effort to call me back and confirm I received all of the information I had requested. Alexis made me feel like I was her number one concern and didn't rush our conversation. Alexis is a definite "keeper" for your agency. Many, many thanks to Alexis and your insurance agency for helping fulfill our insurance needs! p.s. Marlon, another employee of your company also extended me very similar courtesies. He is a "keeper" too! ~ Heather Forbes
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Heather F.
12/09/2022
Marlon Moss was the best agent I have ever worked with getting coverage!! Out of 20 calls i maid today trying to get coverage after hearing sorry we can’t help you he stepped up and knocked it out of the park with the best customer care I have ever experienced 100% he will get all of my company and personal business from here on out!!
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Raquel D.
8/14/2022
I would just love to think Crystal she was absolutely amazing! She helped me figure out the best price and was so kind, I am so glad I decided to call A Plus Insurance!! I will never go anywhere else thank you so much Crystal!!!!- You and your family are amazing, that is so awesome that you give to St Jude's!!!!!-
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Sarah L.
8/14/2022
She was very personable and polite. She was also very helpful to all my needs and questions and concerns
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Doris R.
11/28/2022
I've always gone through A Plus Insurance. I highly recommend their services, very friendly and professional.
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Alex L.
7/21/2021
I've used A+ insurance for years, best value out there and truly focused on customer service.Highly recommend!
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Jeny B.
7/21/2021
Crystal was amazing, friendly good customer service and got me insured incredibly fast!