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Bundled home and auto insurance quotes

Bundling your homeowners and auto insurance from the same company can lead to significant cost savings, along with benefits like easier policy management and a single monthly payment. 

While some insurance companies offer greater savings for bundling, it’s essential to compare quotes to find the best option that suits your coverage needs, budget, and location.

Written by Elizabeth Rivelli

Edited by Alyssa DiCrasto

Last updated: June 28, 2023

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Our rates are based on public rate filings obtained by analytics company First Interpreter. While we may partner with some of the carriers you see on our site, we maintain editorial independence and it does not affect the rates you see. Read more about our rating methodology or see our rigorous editorial policy. 

Cheap bundled home and auto insurance

There are a variety of ways to lower your insurance costs, but bundling your policies is one of the most effective. Bundling your homeowners insurance and your auto insurance from the same company can result in a big discount on your premium. Not to mention, bundling has other benefits, like easier policy management and a single monthly insurance payment. 

If you’re thinking about bundling your home and auto insurance, it’s a good idea to get quotes to see how much you can realistically save. Some insurance companies offer greater savings for bundling than others. In this guide, we’ll explain how to get bundled home and auto insurance, and which companies have the best bundled home and auto insurance quotes.

How does a home and auto insurance bundle work? 

A home and auto insurance bundle is when you purchase both policies from the same insurance company. When you bundle home and car insurance, you still have two separate policies, with the option to customize your coverage limits and add endorsements for each. But while each policy has a separate premium, you typically pay the combined premium of both policies together.

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Should I bundle home and auto insurance?

Bundling home and auto insurance has a number of benefits. First, most insurance companies offer a significant discount when you purchase multiple insurance products. However, the discount might only be for one policy. For example, you might get a 20% discount on your auto insurance policy when you purchase auto insurance and home insurance from the same carrier. Another benefit of policy bundling is that it’s much easier to manage your insurance policies. You only have to deal with one insurance company or agent, and you only have to use one account or mobile app to pay your bill, file claims, and access your insurance ID cards. And if you’re paying a combined premium, you never have to worry about missing a payment for one of your policies and not the other.

Can I bundle other policies?

Yes, most insurance companies allow you to bundle other policies together. For example, you can usually bundle car insurance with any property insurance policy, like renters insurance or condo insurance, to get a discount. Some insurers, like Progressive, also offer savings if you bundle any two insurance policies together, like boat insurance and RV insurance. 

Who is the best insurance company for home and auto

State Farm Insurance

There isn’t a single best insurance company for bundling home insurance and auto insurance. However, some insurance companies offer more generous multi-policy discounts than others.

For example, State Farm claims that customers can save up to $1,073 when they bundle homeowners insurance and auto insurance. Progressive says that customers can save an average of more than 20% on their policy bundle, and Liberty Mutual says you can save $950 on your insurance bundle.

If you’re interested in bundling your policies, it’s a good idea to compare home and auto insurance quotes from a few insurers. Most companies allow you to get a multi-policy quote online, so you can see exactly how much you will pay (and save) for the policies you want.

However, it’s important to remember that the best auto and home insurance companies are different for everyone based on coverage needs, budget, and location.

While saving money is a major benefit of policy bundling, you should still choose an insurance company that meets your unique needs. The company with the best coverage options may not have the biggest policy bundling discount. In that case, there may be additional ways to save through other discounts.

Is insurance cheaper when you bundle?

In many cases, insurance costs less when you bundle your policies. However, it’s not a guarantee. It might actually be cheaper to purchase car insurance from one company and home insurance from another company, depending on your situation. Getting multi-policy quotes from several insurance companies will help you figure out if bundling is a cheaper option than buying individual policies. 

You can take our short quiz to see how much you can expect to pay for bundled home and auto insurance.

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How to get cheap home and auto insurance

Bundling your home and auto insurance is one way to get cheaper coverage. You should shop around and compare bundled quotes to see which insurance company can offer you the best deal for your bundled policies. 

However, there are additional ways to reduce the cost of your home and auto insurance separately, which may lead to a lower combined premium. Here are some ways to lower your insurance costs:

Choose high deductibles

Choosing higher deductibles for policies like dwelling insurance or collision insurance will result in a lower premium.

Look for discounts

Most insurance companies offer discounts for home and auto insurance separately.

Pay in full

The best car insurance company is different for every driver. It depends on your coverage needs, what discounts you can qualify for, your budget, and what you value in an insurance company. To find the best car insurance company, research several insurers that meet your coverage needs, then get quotes to find the most affordable policy for you.

Avoid Claims

Customers with no auto or home insurance claims on their record often get a small discount on their premium. 

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Frequently asked

What types of coverage are available for car insurance?

There are different types of coverage available for car insurance, such as liability, which helps pay for damage you cause to others, and collision, which helps cover damage to your own car from accidents. Comprehensive coverage can help with other damages, like theft or natural disasters. Medical coverage can help with medical expenses for you or passengers. Some policies also offer uninsured motorist protection in case you’re in an accident with someone who doesn’t have insurance. It’s important to choose the right types of coverage based on your needs, budget, and state laws.

How does car insurance pricing work?

Car insurance pricing is based on a few key factors. Insurance companies consider things like your age, driving record, type of car, and where you live when determining the price you pay for car insurance. Younger drivers or those with accidents on their record might pay more for insurance. The make and model of your car can also affect the price, as some cars are more expensive to repair or replace. Your location matters, too, as some areas have higher rates of accidents or theft. By looking at all of these factors, insurance companies determine how much risk you pose and set your premium accordingly.

What factors affect my car insurance rates?

Several factors can affect your car insurance rates. Insurance companies consider your age, driving record, type of car you drive, where you live, and much more when determining your rate. Teen drivers may have higher rates due to their lack of driving experience. If you have a history of accidents or speeding tickets, your rates may increase. The type of car you drive, like a sports car or luxury vehicle, can also impact your rates. Living in a busy city with more traffic can lead to higher rates than a rural area. It’s important to shop around and compare quotes to find the best rate for you.

What is the minimum car insurance coverage required in my state?

The minimum car insurance coverage required in your state will vary depending on where you live. However, most states require drivers to have at least liability insurance. This type of insurance helps pay for damages and injuries you may cause to others in an accident. It typically includes bodily injury liability and property damage liability coverage. It’s important to check out your state’s specific minimum requirements for car insurance in your state. A car insurance agent can help you with this too.

How can I lower my car insurance premiums?

Because different car insurance companies charge different rates for different driver profiles, one of the most effective ways to get a cheaper car insurnace premium is to shop around and compare quotes from different insurance companies to find the best rate for you. You can also lower your car insurance premiums by raising your deductible, bundling your policies, or asking about discounts for good students or safe drivers. Keeping a good credit score and maintaining a clean driving record can also help lower your premiums. Additionally, you can inquire about any available programs that offer discounts for usage-based insurance or installing safety devices in your car.

Do car insurance companies offer discounts?

Yes, car insurance companies do offer discounts to help lower the cost of insurance for drivers. These discounts can be based on factors such as having a clean driving record, being a student with good grades, owning a car with safety features, or bundling multiple types of insurance policies together. By taking advantage of these discounts, drivers can save money on their car insurance premiums and make sure they are getting the best coverage at the best price. It’s a good idea to ask your insurance agent about what discounts are available to you.

Frequently asked