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You can typically save up to 30% off car insurance and up to 20% off home insurance by bundling home and auto. However, the exact savings depends on the insurance company.
Finder rating 4 / 5 ★★★★★
| Roadside assistance | Optional |
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Finder rating 4 / 5 ★★★★★
| Roadside assistance | Optional |
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| Accident forgiveness |
Finder rating 4 / 5 ★★★★★
| Roadside assistance | Optional |
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| Accident forgiveness |
To find the best balance of coverage, savings and customer support, we looked at insurance companies that balanced a high bundling discount and low standard premiums. Then, we considered companies with the highest Finder star ratings and factored in each company’s customer ratings from the Better Business Bureau and Trustpilot.
| Provider | Partners | Auto and home bundle discount |
|---|---|---|
| Allstate | Castle Key | Up to 25% |
| Amica | N/A | Up to 30% |
| American Family | N/A | 29% for car, 20% for home |
| Elephant | Homesite | 6% to 9% |
| Farmers | Foremost | Up to 10% |
| Geico | AIG, American Modern, Arrowhead, Bay City Underwriters, Berkshire Hathaway Specialty Insurance, Cabrillo, California Fair Plan, Chubb, FedNat, First Insurance Company of Hawaii, Foremost, Hawaiian Insurance and Guaranty Company, Heritage, Homeowners of America, Homesite, Interboro Insurance, Island Insurance, Lemonade, Liberty Mutual, Narrangansett Bay, National General, Privilege Underwriters, RLI Insurance, SageSure Insurance Managers, Security First, Stillwater Insurance, TAPCO Underwriters, The Hartford, Travelers, UPC Insurance, Universal Insurance Company of North America, Universal Property & Casualty, Universal Risk Advisors, Wellington Risk Insurance Agency | Up to 10% |
| Progressive | All Risks, LTD, American Modern, American Strategic, Assurant, First American, Foremost, Homesite, IDS, National General, Nationwide, Occidental NC, QBE | More than 5% |
| Nationwide | N/A | Average $710 savings |
Getting both home and auto insurance with the same provider can have many benefits. But consider a few situations that could lead you to buy separate policies instead.
Pros
Cons
Yes, many insurance companies offer a bundle for car and renters policies in the same way homeowners get this discount.
Some insurers don’t offer multiple types of insurance directly. Instead, they partner with other companies to give their customers more options.
For example, Geico offers car insurance directly and also offers renters insurance through its partner company, Assurant. You’ll get a bundling discount on both renters and car insurance if you’re a Geico customer.
Providers sometimes allow you to bundle home and auto with a partner company if they don’t provide both policies or if one company owns another. How you apply for and manage those policies depends on the company. Some keep your account information in one spot, while others require separate accounts but still offer a discount.
You can bundle your car or motorcycle insurance and home insurance needs when applying for these policies together. For most providers, you simply:
To get started with your bundled insurance, you’ll need a few key pieces of information:
Maybe your current provider is offering a new type of insurance or partnering with another insurer to offer bundling. To add to your existing policy:
Getting your car and home insurance together could unwrap a hefty discount on both policies. However, sometimes bundling may not offer the lowest rate overall. Get quotes from multiple providers for bundled or separate policies to find the best option.
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