Best bundling deals: Progressive
- Broad coverage
- Transparent pricing tools
- Accident forgiveness on small claims
- Stack a variety of discounts for multiple cars
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If you’re looking to get the best possible rate across all of your insurance policies, bundling them together with one provider could be a great option. Most insurance companies offer discounts when you carry multiple policies, and the savings can be substantial.
You can expect to shave 5% to 10% off your car insurance costs by bundling more policies with your auto insurance provider, although the exact amount can depend on the provider and how many policies you’re bringing together.
That’s in addition to discounts you might receive on your homeowners insurance or renters insurance, or other kinds of policies you want to include. Your other policies are likely eligible for their own discounts, sometimes as high as 20% if you pick the right provider.
It’s likely that the initial bundle will save you money on one or more of your rates. However, every time you renew, there’s a chance your rates can go up. Your insurance company will likely slowly raise your rates over time. You can counteract this by getting quotes and comparing policies when it comes time to renew and after major life events.
You can take advantage of a bundling discount with these steps:
Insurance providers are always glad when you bring them more business instead of taking it elsewhere — so much so, they typically offer bigger discounts the more business you bring. Depending on the provider, you may be able to get car insurance, homeowners insurance, renters or property insurance and even life insurance all covered under one umbrella policy. When you’re able to do this, you’re sure to save.
If saving money on your insurance costs isn’t enough incentive for you, think about the convenience of handling all of your insurance dealings with one single provider. Being able to make changes in one place can be a timesaver.
Bundling is usually a good idea when you’re looking to save money on all of your policies — but maybe it’s not the right choice 100% of the time. For example, if you have a daily driver and a classic car or bike, you might find better coverage with a separate policy for your collector vehicle through a specialist company like Chubb or Hagerty. Or if you’re combining your household cars and one member of the family needs an SR-22, you might not have the cheapest rates or widest selection if you choose to combine them all.
The best way to find out is to get quotes for both combined and separate policies to find out what your cheapest rates are.
It’s possible to get all the car insurance savings you want without bundling your policies, but it’s unlikely. If you’re like most drivers in the US, you could benefit by insuring your car with the same provider that handles your home, rental property or term life policy.
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