How to Get a Multiple Policies Discount

Purchasing multiple lines of insurance from the same provider can earn you a multiple policies discount on auto insurance. This multi-policy discount is also known as an insurance bundle and is available from 21 national insurance companies. Drivers save an average of 14% on their multiple policies discount auto insurance rates if they qualify.

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Jul 30, 2021

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Things to Remember

  • Currently, 21 national auto insurance companies offer a multiple policies discount to drivers
  • Customers save an average of 14% on their annual auto insurance premiums by earning this discount
  • Also known as insurance bundling, you must purchase multiple lines of insurance through the same participating provider to qualify

We’ve all heard about insurance bundles. Fortunately, 21 national auto insurance companies offer their own version of multiple policies discounts to drivers, leading to an average annual savings of 14%.

But the auto insurance discount you earn with a multi-policy insurance bundle from the same provider doesn’t always lead to your cheapest rates. Fortunately, comparison shopping can help.

Keep reading to learn what companies offer multi-policy discounts to drivers and determine if bundling policies is the right choice for you and your family.

After learning how to buy multiple policies discount auto insurance, enter your ZIP code above to compare free auto insurance quotes from the top companies near you.

How do I get a multiple policies discount on auto insurance?

A multiple policies auto insurance discount is considered an insurance bundle, as you must purchase multiple lines of coverage through the same provider to qualify.

Getting a multiple policies discount on car insurance is usually as easy as purchasing two lines of insurance through a single participating provider.

Usually, that means buying an auto policy along with separate home, life, or other insurance contracts. However, you typically cannot purchase multiple auto insurance policies and still earn this discount. Instead, that might lead to a multi-car or multi-driver discount.

So what is a multi-policy discount? It is a type of loyalty discount. Your insurance company wants as much of your business as possible, including your homeowners, health, and life insurance coverage. As a reward for sticking with a single provider, you earn a rate reduction.

How much do you save by bundling insurance? On average, that amount is 14%.

It’s important to note that the secondary policy you purchase impacts how substantial of a discount you receive. Compare the average savings for various insurance lines when bundled with an auto policy below:

  • Condo insurance: 10-15%
  • Boat insurance: 1-5%
  • Health insurance: 1-5%
  • Homeowners insurance: 15-25%
  • Life insurance: 5-10%
  • Renters insurance: 5-10%

Sometimes this discount only applies to your auto insurance rates, depending on what company you use. Shop around and compare multiple companies to find the one offering the cheapest discounted rates.

Can I get discounts on the secondary policy?

Usually, if you earn a multiple policies discount from a provider, both insurance lines receive a permanent rate reduction. But other discounts are available for almost any line of insurance you need to purchase.

Keep reading to learn more about multiple policy discount auto insurance companies and the different types of car insurance discounts they offer.

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What auto insurance companies offer a multiple policies discount?

Multiple policy discounts on car insurance are some of the most common deals offered to customers by insurance companies. Thanks to commercials and advertisements, bundling is now a household term.

People save an average of 14% on their annual premiums by earning this discount from any of the 21 national providers listed below.

Take a look at the complete list below to determine if you’re already using a multiple policies discount auto insurance company:

Keep in mind that auto insurance laws vary by state, so this deal may not be available where you live.

Similarly, not every company is active in every location. This means the company with the most substantial multi-policy discount auto insurance rates doesn’t always offer the cheapest quotes, and you may find more affordable auto insurance with a different provider regardless of discounts.

Qualification requirements also change depending on what company you use. For example, Esurance discounts both types of insurance lines purchased, which is typical in the industry, but some providers might only reduce your auto policy.

Similarly, some companies only allow you to bundle certain kinds of insurances. To earn the discount through State Farm, you can purchase a renter, home, condo, or life insurance policy in addition to an auto policy. But other insurers only combine home and auto policies, like The Hanover.

Therefore, to find the provider most compatible with you, compare quotes online from multiple companies and ask about additional discounts before you buy auto insurance.

What types of insurance policies can you bundle?

The types of insurance lines you can bundle to earn a multiple policies car insurance discount change depending on what provider you use.

The most common insurance bundles are home and auto.

That said, the following insurance types are also sometimes bundled with auto insurance policies. We included the average annual rates to give you an idea of how much you can save with different types of insurance bundles:

  • Boat insurance: $200 – $500
  • Condo insurance:  $500
  • Farm insurance: $550 – $1,000
  • Health insurance: $4,300 – $8,450
  • Homeowners insurance: $1,300
  • Life insurance: $650
  • Mobile home insurance: $300 – $1,200
  • Motorcycle insurance: $700
  • Renters insurance: $170
  • Snowmobile insurance: $180
  • Umbrella insurance: $900

Not every insurance provider sells every kind of insurance. But you’ll find an insurer willing to cover almost anything.

For example, Progressive consistently advertises insurance bundling and is often credited with popularizing the term. With that company, your multi-policy options are almost unlimited.

You can purchase boat, condo, homeowners, mobile home, motorcycle, renters, snowmobile, and umbrella insurance from Progressive.

However, State Farm only combines an auto policy with condo insurance, farm insurance, health insurance, homeowners insurance, life insurance, or renters insurance.

On the other hand, GEICO does not offer farm or life insurance bundles but does add mobile home insurance to their discount qualifications.

Another popular company, Allstate, only bundles auto insurance with condo, homeowners, life, renters, or umbrella insurance.

The multiple policies discount you earn also depends on what kind of insurance policy you’re buying.

For instance, an auto and home bundle often leads to the most significant savings. On the other hand, renters or condo insurance, which are often more minor policies, yield smaller rate reductions.

What are the pros of bundling policies?

There are many advantages to bundling your insurance policies, but the most common reason to do it is to save money.  Usually, the first time you bundle your insurance policies leads to a significant decrease in your rates.

This is especially true if you combine home and auto policies, as homeowners insurance is typically quite expensive.

Bundling insurance policies is also convenient. All of your paperwork and policy details are also in the same place, and you often deal with the same insurance agent when filing claims, renewing policies, or making changes to your coverage. For many people, it’s also simpler to download only one app and pay for both policies at one time.

While it’s in no way a guarantee, bundling policies may also deter an insurance provider from dropping your coverage if you file too many claims. Because you are both an auto and homeowner client, some insurers might give you more wiggle room.

What are the cons of bundling policies?

One major downside to bundling insurance policies is that it discourages people from comparison shopping before choosing a provider.

People sometimes incorrectly believe that bundles automatically lead to their lowest insurance prices, but this is not always true.

Unfortunately, if you don’t spend enough time comparing quotes online from multiple insurers to find your cheapest rates, that only benefits the insurance companies, not you.

Experts also recommend researching the average cost of the policies you’re interested in before signing any contracts. That way, you can compare the quoted rates with more accuracy.

Another con associated with insurance bundling is that it discourages you from switching providers, especially if you aren’t paying attention to how much your premium payments change year after year.

You might falsely believe you’re paying cheap rates when, in reality, your provider is slowly increasing your premiums on you each year. In this scenario, there might be better deals out there for you by switching providers.

It’s also possible that your insurance company uses affiliates. So if you purchase, say, a homeowner policy, it could be through a separate partner company your provider has a contract with.

In this case, you’ll no longer have the benefit of working with only one company. Plus, if the partnership terminates, you might need to look for new coverage again or face a potential rate hike.

How else can I save money on auto insurance?

If you qualified for a multi-policy deal on car insurance, you’ll likely qualify for even more discounts. Don’t forget to ask about additional discounts you can add to your secondary policy, including life, renters, and home insurance discounts.

Standard homeowners insurance discounts include:

  • New home construction discounts
  • Age of home discounts
  • Construction type discounts
  • Roof upgrade discounts
  • Advance purchase discounts

Life insurance discounts are less common. But you can help reduce those rates by making healthy lifestyle choices, remaining tobacco-free, limiting your drinking, and exercising regularly.

Never hesitate to ask an insurance company representative about the other available auto insurance discounts you can earn. Below is a list of auto insurance discounts to ask for:

Common Auto Insurance Discounts Offered by Insurance Companies
Vehicle DiscountsDriver/Customer DiscountsPersonal Discounts
Active Disabling DeviceClaim FreeEmergency Deployment
Adaptive Cruise ControlContinuous CoverageFamily Legacy
Adaptive HeadlightsDefensive DriverFamily Plan
Anti-lock BrakesDriver's EducationFederal Employee
Audible AlarmDriving Device/AppFurther Education
Automatic BrakingEarly SigningGood Student
Blind Spot WarningFull PaymentHomeowner
Daytime Running LightsGood CreditLife Insurance
Economy VehicleLoyaltyMarried
Electronic Stability ControlMultiple PoliciesMembership/Group
Farm/Ranch VehicleMultiple VehiclesMilitary
Forward Collision WarningNew Customer/New PlanNew Address
Garaging/StoringOccasional OperatorNew Graduate
Green/Hybrid VehicleOnline ShopperNon-smoker/Non-drinker
Lane Departure WarningOn-time PaymentsOccupation
Newer VehiclePaperless/Auto BillingRecent Retirees
Passive RestraintPaperless DocumentsStable Residence
Utility VehicleRoadside AssistanceStudent Away
Vehicle RecoverySafe DriverStudent or Alumni
VIN EtchingSeat Belt UseVolunteer

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Sometimes the only way you receive an insurance discount is by asking for it. Speak up. Each discount adds up, and you can significantly reduce your auto insurance rates when you stack multiple discounts.

A multiple policy discount is just one of many potential deals you can earn from auto insurance companies, which is not the same as multiple vehicle discounts or multiple driver discounts.

For example, you earn a multi-vehicle discount when you insure more than one car under a single policy. How much is a multiple car discount? This rate reduction is similar to a multi-policy value, averaging 15% annually.

A multiple drivers discount, on the other hand, is the least common. Only two national providers advertise it. It also leads to the lowest rate reduction, averaging only 5% annually.

Asking about discounts like these can reduce your rates, but you can save money on your auto insurance apart from earning a multi-policy car insurance discount.

First, always practice safe driving techniques and avoid any citations or accidents. You might even consider enrolling in a driver’s education course. You can also limit your driving during rush-hour traffic.

Finally, the kind of vehicle you drive also impacts your insurance cost. Avoid luxury vehicles, collectible cars, and sports cars.

Instead, choose a safe, reliable vehicle with high ratings from groups like the National Highway Traffic Safety Administration (NHTSA) and the Insurance Institute for Highway Safety (IIHS).

Multiple Policies Discount on Auto Insurance: The Bottom Line

Earning a multiple policies discount can be a great way to save money on your auto insurance. However, before committing to any bundles, take the time to research average prices for your required insurance policies.

Compare quotes from multiple companies online to ensure you’re paying your lowest rates, and remember to keep an eye on your rates each year and take note of any potential increases.

You should also be aware of how the market is continuously changing. That way, in the future, you can compare quotes for your different insurance lines once again to verify that you’re still paying competitive prices.

Now that you’ve learned how to secure affordable multiple policies discount auto insurance rates, enter your ZIP code below to immediately start comparing quotes from the top companies in your area.

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Enter your ZIP code below to view companies that have cheap auto insurance rates.

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