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

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.