Freedom of Religion - Car insurance rebates for married people?

I see marriage as something to do with religion, and should not have anything to do with government. My car insurance will give you a break if you're married, because apparently, married people are safer drivers.

Is this a violation? Am I being discriminated due to my lack of a religion? What if my religious beliefs (or lack thereof) dictate that I will never marry someone?

Right on man. What about us divorced single parents that have full custody of our children. Does that count for anything?

Well, I do have a good driving record. Just one speeding ticket when I was 15. Since I have 2 sons to raise on my own I might be too busy to drive needlessly and being in a small town comute times are short. Thanks. :) Report It

Marriage is a social contract and exist in all societies regarldless of religion. Some religions however give a certain status to marriage whithin that religion.

There are all types of discounts in insurance, They also give discounts to people that have had no accidents or tickets, Should this not be allowed either? They give discounts according to age, should this be age discrimination? There are also discount based on where you live. I don't see it as a violation.

I don't think discrimination against the unmarried is religious discrimination, but it is still wrong. If I married my fiance right now, we would get a tax refund of several thousand dollars instead of a couple hundred, and I would be able to quit my job and still have his health insurance (or vice versa). Gay couples currently do not have this option. It's not discrimination against lack of religion though, because anyone can get married by a judge or a non-religious officiant.

However, I don't think the auto insurance thing is any different from their other policies for determining rates. I would pay less than my fiance for the same insurance because statistically women get in less accidents, not because I am a better driver. And next year when I turn 25, I will suddenly pay a lot less, not because I am suddenly a safer driver but again because of statistics. Same I guess goes for married drivers.

Marriage can have nothing to do with religion.

Marriage is a legal status that grants specific legal benefits.
And people can get married without a church ever being involved in the process.

That's the problem with using the term "marriage" -- it refers to both a religious practice, and a legal status -- both of which are completely independent of each other.

But as far as insurance companies, they base their rates on statistics. And statistically, people who are legally married are less of an accident risk.

No you are not being discriminated against. Insurance rates are based on statistics. Married men are in fewer accidents than single men, whether that is because their partners drive some of the time or b/c they aren't out there doing stupid things like drag racing, etc. The insurance companies don't car if you are religious or not, an atheist or a Wican. They care about what category of driver you fit into vs. their statistics and based on that, that is what you pay.

If it is true that married people are better drivers,then I am all
for the breaks. Our insurance companies are finally starting to pick up on the fact that anything that a person does has something to do with what happens to him.And everyone should not have to pay equally. Finally cigarette smokers must pay higher rates. I believe that people who have demonstrated the abuse of emergency room priviledge with
minor illnesses should pay more. If the stats say that married
people are better drivers then hear! hear! What I really believe is that after 10 years of coverage everyone regardless of status should have their rate adjusted up or down based on their own personal statistics.

First of all, marriage isn't a religious institution, at least it isn't legally. It's a contract, and can be done with no religious overtones at all.
Furthermore, different rates for married people has nothing to do with religion. Like everything else in this world, it just has to do with money.
The statistics show that married people get into fewer accidents. Maybe they are more likely to have kids and drive safer; maybe they think they have more to live for. Who knows.
But that doesn't make it discriminatory. Statistics also show that people who drive red cars are also more likely to speed and get into distraction- and alcohol-related accidents, and that people in certain zip codes (for example, one with lots of apartment complexes and primarily street parking) are more likely to get into fender-benders. That's not discrimination, either, it's just how the insurance companies do business.
(FYi: that's also why flood insurance is more expensive in Louisiana, and tornado insurance costs more in Kansas. Think about it.)