Multiple Policies Auto Insurance Discount

A multiple policies auto insurance discount is better known as an insurance bundle. To qualify, you must purchase multiple lines of insurance through a participating provider. Currently, 21 national insurance companies offer affordable multiple policies auto insurance discounts. Expect your multiple policies auto insurance discount rates to be 14% cheaper than average.

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Sara Routhier, Managing Editor and Outreach Director, has professional experience as an educator, SEO specialist, and content marketer. She has over five years of experience in the insurance industry. As a researcher, data nerd, writer, and editor she strives to curate educational, enlightening articles that provide you with the must-know facts and best-kept secrets within the overwhelming world o...

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Cynthia Lanctot is an insurance professional with ten years of industry experience. Cynthia is licensed in several states, and holds an associate in claims law, as well as a bachelor’s degree in English. Cynthia’s experience includes the New England and Northeast states. She currently works as a liability claims professional and an occasional online contributor.

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Reviewed by Cynthia Lanctot
Licensed Agent

UPDATED: Jul 15, 2021

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A Concise Overview

  • 21 national insurance companies offer multiple policies car insurance discounts
  • On average, drivers save 14% on their premiums with this discount
  • To qualify, you must insure multiple lines of insurance through a single participating provider

Currently, 21 major companies offer multiple policies auto insurance discounts, commonly known as insurance bundles.

Keep reading to learn where you can buy multiple policies discount auto insurance and discover how much you can save.

After learning about affordable multiple policies auto insurance discounts, remember to enter your zip code into our free tool above to compare auto insurance quotes from the leading providers near you.

What companies offer a multiple policies auto insurance discount?

If you want to buy multiple policies discount auto insurance, you have plenty of companies to compare.

Currently, 21 national providers offer bundling discounts.

Check out the complete list of providers below, with reduction rates included when available:

  • 21st Century
  • AAA – 12.7%
  • Allstate – 10%
  • American Family – 29%
  • Ameriprise
  • Amica – 30%
  • Country Financial
  • Esurance
  • Farmers – 20%
  • GEICO
  • Liberty Mutual
  • MetLife – 5 to 10%
  • Nationwide
  • Progressive – 5%
  • Safeco
  • State Farm – 17%
  • The General
  • The Hanover
  • The Hartford – 5%
  • Travelers – 13%
  • USAA

Remember, your age, driving record, and coverage needs will ultimately impact your auto insurance rates. Therefore, the best multiple policies auto insurance discount company for one driver might not be the same for their neighbor.

To secure your cheapest auto insurance premiums, compare car insurance quotes from multiple providers online before signing any contracts.

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What is a multiple policies auto insurance discount?

What is a multi-policy discount, and why are they so popular among insurance providers?

Companies know most people will purchase more than one kind of insurance in their lifetime, including auto, home, life, pet, and more.

Therefore, insurance bundles reward customers with rate reductions as a thank you for your customer loyalty.

According to the National Association of Insurance Commissioners (NAIC), this discount is considered a bundle because you must purchase multiple lines of insurance through the same company to qualify.

Compare this to something like the Allstate multi-car discount, for example, which reduces your rates when you insure more than one vehicle under a single insurance policy, not multiple.

However, qualification rules and savings amounts for this discount vary widely from one provider to the next.

In truth, it’s possible that purchasing insurances through separate companies might save you more money than the discount can provide.

Therefore, you should also perform a home and auto insurance bundle comparison to ensure you’re receiving your cheapest possible multi-policy rates.

Multiple Policies Auto Insurance Discount: The Bottom Line

These days, multi-policy discounts and insurance bundles are as typical as safe driver discounts. Therefore, if you purchase multiple lines of insurance, it’s worth checking if a multiple policies discount might help you save money.

This discount can also help families reduce the high cost of auto insurance for teens and young drivers.

Now that you’ve compared affordable multiple policies auto insurance discount rates, you can enter your zip code into our free tool below to receive accurate quotes from the top companies near you.

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