Most insurance companies, including Allstate, consider married couples as more stable, responsible, and therefore a lower risk to insure. (And lower risk usually means lower insurance premiums.) In that way, the very fact that you're married may help move your spouse into a lower risk-profile. But depending on your spouse's record, this may do little to stave off high auto insurance bills.

In that case, keep an eye out for any discounts you could apply to your policy. You may qualify for a discount based on your car's safety features, or even your own good driving record. If you and your spouse carry home insurance with Allstate, you might also qualify for a multi-policy discount.

In terms of your auto insurance policy itself, raising your deductible may also help bring your premiums down. You might also see if you can drive fewer miles each year. For instance, if your spouse is able to carpool or take public transportation to work, your premium could be affected. The purpose of your driving (whether it's for business or personal use) can also make a difference.

Talk to your Allstate agent about your unique situation. S/He can help you find the best solution possible for your budget, while still keeping you well protected.