Getting married can reduce your car-insurance rate by an average of 5 percent to 10 percent. Male drivers under 25 will especially benefit.

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Now that the average wedding costs about the same as a luxury car, many newlyweds may start their marriage looking for ways to save.

Splitting household costs will reduce day-to-day expenses if you weren’t living together before the wedding. And these strategies also can help you save once you say, “I do.”

Lower auto-insurance costs

Getting married can reduce your car-insurance rate by an average of 5 to 10 percent. Male drivers under 25 will especially benefit. You may snag even bigger savings if you have two cars and put both on the same policy, said Gregory Isaacs, president of CoverHound Insurance Solutions, which helps drivers compare auto policies.

Compare health plans

Check whether it’s cheaper to ditch your health insurance and be added to a spouse’s plan. By teaming up, you may pay lower monthly premiums or receive more comprehensive coverage.

Start family-phone plan

Trade in your individual phone plans for a family plan. A couple using 1GB of data per phone on AT&T, for example, can save $10 per month by signing up for a family plan, according to research by Consumer Reports. Spouses using 2GB of data each on Verizon can lower their bill by $20 per month.

Double your rewards

If you and your spouse pay off your credit-card bills each month, consider doubling up on one card to maximize rewards. The easiest way: Name your spouse as an authorized user on a card that pays rich rewards. Your partner will then be able to use the card to make purchases and, as a result, add to the rewards pile.

Also, if your spouse has a poor credit history, becoming an authorized user may boost his credit score since the card’s account history is added to his credit file.