Having family members or a roommate to share expenses with gives you the option to save money or take a little more time off of work to do things that you love. Sharing expenses such as rent, utilities, and even food makes life cheaper. One expense that you can cut down on by sharing is the expense of car insurance. Here are some ways to combine auto insurance to make the insurance cheaper. 

Co-policies can split the cost

If you and the person that you live with have separate cars, you can still place these on one auto insurance policy. You will be able to pull up the numbers for the auto policy and apply both vehicles and both persons. The insurance is likely to be less than it would if you were each paying separately. Each month you and your roommate can split the cost of the insurance as you would the other bills. This will keep you both paid up for insurance and will make sure that your insurance payment is paid if you are low on money. 

Good driving records can drive insurance down

If you and your co-insurer are near or at the age of 25, you will be able to have a car insurance rate that is lower than that of young people. If one of you is over the age of 25 and the other is younger, the older person's insurance rate will make the younger person's insurance cost less. If both people have good driving records, you will be able to decrease the rates for both individuals. If one person has one ticket but the other person has a flawless record, it may mitigate any price increase that the other driver would typically see. 

The cars can be driven by each person

There are a number of reasons why you may need to borrow the car of someone you live with. If your car is broken down at the moment, you may want to borrow their car to go to the store. It may also be necessary to pick up your roommate's car if they are getting a ride or drive the car back from the airport when they are leaving town. With an auto policy that covers both of the people and the cars, if there is an accident or a breakdown on the road, you will be covered. With proper coverage, every time you borrow their vehicle you are safe.