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Compare insurance bundle quotes

Save up to 25% by bundling insurance policies like car, home and renters insurance

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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.

How do multipolicy insurance discounts work?

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.

How much can I save by bundling?

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.

Will bundling always save me money?

It’s likely that the initial bundle will save you money on one or more of your rates. It’s not guaranteed, however, that those savings will last forever.

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.

What kind of insurance can I bundle?

Best bundling deals: Progressive

Get unlimited discounts and score a lower deductible every 6 months you don't make a claim.

  • Top-rated insurer with 80 years of experience.
  • Easy online sign-up and reporting.
  • Multiple discounts available.
  • Transparent quoting.
  • Top-rated insurer
  • Online quotes & claims
  • Bundle and save

Get insurance bundle quotes

Name Product Roadside assistance New car protection Accident forgiveness Safe driver discount Available states
Progressive
Optional
30%
All 50 states
Get unlimited discounts and score a lower deductible every 6 months you don't make a claim.
Clearcover
Optional
Yes
AZ, CA, IL, LA, OH, TX, UT and WI
Find basic coverage and low rates through its easy online or app-based experience.
Assurance
Optional
Yes
All states except AK & HI
Your broker is your one-stop shop for comparing any coverage you need.
Car Insurance Finder
Optional
Optional
Yes
All 50 states
Get your customized online car insurance quote from top brands near you. Answer 3 easy questions to see your top picks in seconds.
The AARP Auto Insurance Program from The Hartford
Optional
Yes
All 50 states & DC
Enjoy exclusive savings and benefits designed for experienced drivers over the age of 49.
Esurance
40%
All states except AK, DE, HI, MT, NH, VT, WY
Convenient online quotes, coverage and claims for tech-savvy drivers.
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Should I bundle insurance?

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.

Which companies offer bundle discounts for auto insurance?

  • Allstate. Offers a discount of 10% on your auto policy when you bundle with homeowners insurance. You could also save if you bundle a life insurance policy with your auto coverage, but no specific amount is provided on the provider’s website.
  • Esurance. Esurance promises a discount on both policies if you combine car insurance with other insurance like homeowners insurance or motorcycle insurance.
  • Farmers Insurance. No discount amount is given, but this provider does advertise you can save by bringing multiple policies together — most likely for the 5% to 10% break we’ve been seeing elsewhere.
  • Geico. Offers a discount of around 25% on multi-car auto insurance policies. A specific discount amount isn’t given for bundling car insurance with homeowners insurance, but you can expect to see the industry average of 5% to 10% off your total.
  • Liberty Mutual. Offers discounts for bundling car insurance with other kinds of policies, but doesn’t specify how much the customer stands to save. You can probably expect savings of 5% to 10%.
  • Progressive. Offers 5% or more in discounts, on top of whatever discounts you already have, when you bundle other policies with your auto insurance.

Pros and cons of bundling policies

Pros

  • You’re likely to save with multipolicy discounts, or bundling discounts.
  • Consolidating policies might mean one bill each month, instead of several bills due on different days.
  • Discounts could apply more broadly, instead of being limited a to single policy.
  • Your insurer will be less likely to drop you after a claim.
  • You could save huge amounts on your deductible if there’s a disaster. For example, if a hurricane sweeps through and damages your house and car, you may only have to pay the deductible on one or the other.

Cons

  • Bundling could make you ineligible for other discounts in the future.
  • A bundle deal might not work for certain types of insurance, such as rental properties or classic cars.
  • Bundling could eliminate areas of coverage you need, depending on the provider.
  • If you want to move your policies to a new provider because of a bad experience or rising rates, you’ll have to find coverage for everything you previously had bundled.
  • Discounts can evaporate over time, leaving you to pay a standard rate that doesn’t save you anything on the basis of the bundle deal itself.

How do I bundle insurance?

  1. Narrow down a few companies that offer the coverage you need and bundling discounts.
  2. Get quotes with and without combined policies.
  3. Compare the rates, making sure coverage and perks are the same across policies.
  4. Pick a company and sign up for all your policies at once. Some companies will require you to sign up for one policy first, and then you can sign up and link your other policies together.
  5. Make your payment and check to make sure you’re getting your bundling discount.

Bottom line

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.

To start your search for the right insurance policy, compare insurance to find the policies that are right for you.

Get the cheapest quotes

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