As a vehicle owner, you probably don't have too many personal conversations with your car insurance agent. You might call if you have a question about your bill or a claim that is related to your vehicle, but your conversations with your agent probably pretty much end there. However, there are some situations when you need to get a little personal and tell your insurance agent about what's going on in your life. These are a few life changes that you should notify your car insurance agent about as soon as possible.

1. Getting Married

After tying the knot, you might be thinking about sending out notices to your friends and family members or going to the DMV to get your named changed on your driver's license. One thing that you might not have thought about, however, is notifying your insurance company. However, many insurance companies require that spouses be on the same insurance policy, even if your new husband or wife is never going to get behind the wheel of your vehicle. By calling now, you can get all of this squared away so that you won't have to worry about it while you're on your honeymoon.

2. Your Teenager Hits the Driving Age

If your teenager has recently turned 16 and is getting ready to get a driver's license, you will need to notify your insurance company. Your state might require your teen to have proof of insurance before he or she can get a driver's license. Plus, your insurer will probably require that your teen is on your insurance policy anyway; many companies require that all individuals of driving age must be listed on your insurance policy if they live in the same household.

3. You've Become an Empty Nester

If your kids have recently moved out of your house to go to college, live on their own or get married, you probably have a lot more on your mind than your insurance. However, you may be able to remove your child from your insurance policy or reduce your rates if your child won't be driving your vehicles anymore. This one phone call can save you a lot of money.

4. You Retire

Retirement can bring forth a lot of life changes. One thing that fortunately might change is that your insurance rate might go down. If you are no longer commuting back and forth to work or shuttling your kids around, you might qualify for a discount for driving less.

As you can see, it's important to tell your insurance agent if you have these major changes in your life. In some cases, you can even save money by doing so.