How to Save Money by Bundling Insurance Policies in 2025 (7 Simple Steps)

You can save money by bundling insurance policies, with minimum coverage rates starting at $33/month. To maximize your savings, review your existing policies, request updated quotes, compare multiple offers, and calculate potential savings.

Don’t forget to explore extra discounts while evaluating the quality of coverage. Finally, bundle or switch to ensure you get the best deal without sacrificing protection. For more details, check out the recommended auto insurance coverage levels.

Then, enter your ZIP code above into our free comparison tool to see which companies have the cheapest rates in your area.

7 Steps to Save Money by Bundling Insurance Policies

Bundling your insurance policies is a great way to unlock significant discounts while keeping everything in one place. Below, we’ll walk you through 7 steps to help you to save money on insurance without compromising on coverage.

Step #1: Review Policies

Begin by carefully reviewing all your existing insurance policies, including auto, home, renters, or any other coverage you have in place. Examine the details of each policy, focusing on the types of coverage, coverage limits, auto insurance deductibles, and the premiums you’re currently paying.

Note any additional features, such as riders or optional coverages, and assess if they meet your needs. This step is key to determining if bundling can offer better protection or save money by consolidating policies. It also helps you understand your current coverage for comparison when seeking bundled insurance quotes.

Step #2: Request a Quote

Reach out to your current insurance provider by phone, email, or through their website to explore the bundling options they offer. Explain that you are interested in combining multiple policies under one provider, such as auto, home, renters, or other types of insurance.

Ask them to provide you with a comprehensive quote that breaks down the costs of each individual policy and highlights the total savings you could achieve by bundling these policies together. Check out our ranking of the top providers: Best Companies for Bundling Home and Auto Insurance

Ensure the quote clearly specifies any additional benefits or discounts available for bundling, and compare it to what you’re currently paying for your separate policies. Additionally, inquire about the impact on your coverage levels, making sure that the bundled package offers the same or better coverage than your existing policies.

Step #3: Compare Multiple Quotes

Step #4: Calculate Savings

Assess the potential savings by calculating the total cost difference between bundling your policies and keeping them separate. Take into account the percentage discount offered for bundling and how much it reduces the overall cost. However, it’s essential not to focus solely on the savings—make sure to thoroughly evaluate the quality of the coverage provided under the bundled policies.

Ensure that bundling doesn’t result in reduced coverage or gaps in protection that could cost more in the long run. Carefully review the terms and conditions of each policy, making sure that the bundled option provides comprehensive auto insurance for both types of insurance (e.g., auto and home) without sacrificing important coverage features for the sake of a discount.

Step #5: Explore Extra Discounts

Ask your insurer about additional discounts, such as safe driver, home security, claims-free, loyalty, or multi-vehicle discounts. Find the best multi-vehicle auto insurance discounts.

By combining these additional discounts with your bundled policies, you can significantly reduce your overall insurance costs while still maintaining comprehensive coverage. Make sure to inquire about all available options to maximize your savings potential.

Step #6: Evaluate Coverage Quality

Ensure that the bundled policies not only match but ideally improve upon the coverage provided by your current separate policies. Carefully compare key details such as coverage limits, deductibles, exclusions, and policy features to confirm you’re not losing essential protections.

While bundling can lead to savings, it’s crucial not to sacrifice important aspects of your coverage—such as liability protection, property coverage, or personal injury protection auto insurance limits—for the sake of a discount. Prioritize the quality and scope of your coverage to maintain adequate protection in the event of a claim.

Step #7: Bundle or Switch

After comparing auto insurance quotes and finding the best bundle for savings and coverage, proceed with either switching to the new provider or finalizing the bundle with your current insurer.

Before making the switch, carefully review the terms and conditions of the policies to ensure they offer the same or better coverage than your current plans. Make sure the discounts are accurately applied and clarify any questions about future renewals, billing, or policy management to ensure a smooth transition. Finally, confirm the effective dates of your new policies to avoid any gaps in coverage.

How to Maximize Savings by Bundling Insurance Policies

Bundling insurance policies, such as auto and home, is a smart way to save on auto insurance premium while simplifying coverage. This guide outlines seven simple steps to help you take advantage of multi-policy discounts.

Start by reviewing your current policies, requesting updated quotes from your insurer, and comparing multiple offers to ensure you’re getting the best deal without sacrificing coverage. By calculating your savings, exploring additional discounts, and carefully evaluating coverage quality, you can maximize your savings and streamline your insurance under one provider.

Shopping around for multiple quotes can help you save. Enter your ZIP code into our free comparison tool below to get started.