10 Best Car Insurance Companies for Bundling Discounts

Combining your auto insurance with other policies can simplify your coverage and help you save money. Insurance companies often lower rates when you have multiple policies with them. You can enjoy convenience, cost savings, and comprehensive coverage from trusted insurers by bundling your car insurance with home, renters, or other policies.

If you need multiple insurance policies, check out our list of top insurance companies that offer bundling discounts.

1. State Farm

State Farm offers various bundling options, allowing customers to combine auto insurance with home, renters, or life insurance. 

In fact, the company claims that by bundling a home and auto policy, you could save as much as $1,127. Plus, if you have more than one car covered by State Farm, you could save 20%.

2. Progressive

Progressive allows customers to bundle their car insurance with other policies such as home, renters, or condo insurance. Customers can save an average of 4% when they bundle more than one policy with Progressive.

3. Allstate

Allstate provides bundling options for combining auto insurance with home, renters, or condo insurance. The company claims that customers can save up to 25% by bundling home and auto policies.

4. GEICO

GEICO offers bundling discounts for combining auto insurance with other policies, such as home, renters, or condo insurance. It offers a Multi-Vehicle Discount of up to 25% when you insure more than one car. Plus, its Multi-Policy Discount can lower the cost of auto insurance.

5. Farmers Insurance

Farmers Insurance provides bundling options for combining auto insurance with home, renters, or life insurance. Farmers claims that customers who bundle home and auto may save up to 20%.

6. Nationwide

Nationwide offers bundling discounts when customers combine their auto insurance with other home, renters, or life insurance policies. You could save up to 20% when you bundle home and auto, and can even see a discount if you rent your home. 

7. Liberty Mutual

Liberty Mutual allows customers to bundle their car insurance with other policies, such as home, renters, or condo insurance. According to the company, new customers who switched and bundled their home and auto policies saved an average of $950 per year.

8. USAA

USAA offers bundling options for military members and their families, allowing them to combine auto insurance with other policies like home, renters, or life insurance. USAA offers savings of up to 10% if you bundle a homeowners or renters insurance with an auto insurance policy.

9. Travelers

Travelers provides bundling discounts for combining auto insurance with other policies such as home, renters, or condo insurance. By bundling three or more policies, you could save up to 12%.

10. Amica Mutual Insurance

Amica Mutual Insurance offers bundling options for combining auto insurance with home, renters, or condo insurance. The company offers to save customers up to 30% when combining home with auto, life, renters or umbrella insurance policies.

Savings Made Simple: The Power of Bundling Insurance Policies for Cost-Effective Coverage

Rather than purchasing individual policies from different insurers, bundling allows you to reorganize your coverage under a single provider. Here’s how it can help you save money:

• Consolidated Policies: By bundling insurance policies, you consolidate your coverage into a single package. This consolidation can lead to greater convenience in managing your policies and reduces the hassle of dealing with multiple insurance companies.
  
• Multi-Policy Discounts: One of the key advantages of bundling is that insurance companies often offer multi-policy discounts. These discounts are incentives for customers who choose to bundle their policies, resulting in savings on premiums for each policy. By combining your coverage, you can enjoy a discounted rate, ultimately lowering your overall insurance costs.
  
• Increased Buying Power: Bundling policies can increase buying power and negotiating leverage with the insurance company. Insurers value customer loyalty, and you become a more valuable customer by providing multiple lines of coverage. As a result, they may be more inclined to offer competitive rates and discounts.
  
• Enhanced Coverage Options: Bundling insurance policies also provides more comprehensive coverage options. Insurers may provide additional benefits or higher coverage limits when you bundle multiple policies. This can provide you with greater protection and peace of mind.
  
• Simplified Insurance Experience: Bundling policies saves money and simplifies your insurance experience. You have a single point of contact for all your insurance needs, making it easier to manage your policies, file claims, and get assistance when needed.
  
• Loyalty Rewards: Insurance companies often offer loyalty rewards or long-term customer discounts for maintaining bundled policies with them over time. These rewards can include reduced deductibles, accident forgiveness, or other loyalty benefits that enhance your coverage and save you money in the long run.

Types of Insurance to Bundle

9 Tips for Finding Companies That Offer Bundling Perks 

1. Research Online: The first and most basic step to take is to perform a simple internet search for insurance companies that offer bundling options. Many companies offer this feature, but their benefits, discounts, and coverage options can vary greatly.
   
2. Check Company Websites: Look for information about their bundling options in the services section. Some companies may also display their bundling discounts on the main page or offer a special calculator to estimate your savings when bundling policies.
   
3. Contact Insurance Companies Directly: You can call or email insurance companies to ask about the specifics of their bundling perks, like the amount of potential discounts, the policies that can be bundled, and the terms and conditions.
   
4. Customer Reviews and Testimonials: Reading reviews from other customers can help you understand the real-world benefits of bundling with certain companies. Websites like Trustpilot, Consumer Reports, and Better Business Bureau can be useful in this regard.
   
5. Consult with Independent Insurance Agents: Independent agents can provide unbiased advice because they work with a variety of insurance companies. They can help you compare the bundling perks offered by different companies.
   
6. Insurance Comparison Websites: Websites like Policygenius, Insurify, and The Zebra allow you to compare different insurance quotes, including the benefits of bundling.
   
7. Ask Friends and Family: Personal referrals can often provide valuable insight. If a friend or family member has been happy with their bundled insurance policies, it may be worth looking into the same company.
   
8. Check with Professional and Trade Associations: If you belong to a professional organization, they may have partnerships with insurance companies that offer special rates or perks.
   
9. Social Media: Check out the social media pages of various insurance companies. They often announce special deals and promotions there.