Get Auto and Home Insurance Quotes: Compare & Save 2025
Why Bundle Auto and Home Insurance?
Bundling your auto and home insurance policies with the same carrier isn’t just a matter of convenience-it’s one of the best ways to save on insurance. Insurance companies regularly offer a multi-policy discount-sometimes called a bundled or combo discount-that can cut your premium by as much as 25%. This discount rewards you for consolidating your insurance needs with a single provider, making it a leading strategy for securing the best insurance rates.
The benefits of an insurance bundle extend beyond saving money. With one insurer managing both policies, claims processes can be more streamlined, policy management is simpler, and you often receive prioritized customer support. For homeowners and drivers alike, this translates to added security, less paperwork, and greater peace of mind.
Some companies even offer enhanced coverage options when you bundle, such as higher liability limits or lower deductibles. Bundling can also unlock product-specific perks, like vanishing deductibles or deductible waivers in the event of a total loss. If you’re deciding which home insurance coverage might work best for your needs, considering a bundle could unlock even more value.
How to Get Auto and Home Insurance Quotes Online
Step-by-Step Guide
- Gather Your Information: To get the most accurate auto and home insurance quotes, have details ready: your vehicle information (make, model, year, VIN), driver’s license, current insurance policy details (if any), home address, property details, and claims history. If you’re unsure about what’s typically covered, review this detailed guide: What Does Home Insurance Cover?
- Choose Comparison Tools: Use trusted platforms or insurer websites that promise free quotes and instant bundling options. Look for compare insurance features to view offers side by side. Providers may highlight potential savings or show estimated rates instantly.
- Customize Your Coverage: Select your preferred coverage options-like liability, comprehensive, personal property, and deductibles. Adjusting these selections will impact your quoted premium and your level of protection.
- Review Discounts: Make sure to click the box for bundling or multi-policy discounts if prompted. Some providers auto-apply these discounts when you submit both sets of coverage requests.
- Compare Premiums and Carriers: Evaluate offers from the best insurance companies. Don’t focus solely on the lowest price-review coverage limits, deductibles, claims support, and reputation.
- Contact Agents for Personalization: Online tools are fast, but chatting with a licensed agent can uncover hidden discounts or explain policy nuances unique to your area.
In some cases, you might be prompted to create an online account or speak with a representative for a final, personalized quote. Instant or online insurance quotes generally give you a solid starting point, but double-check all details before binding your policy. For a deep dive into making sure you’re getting every available savings, check out 5 Proven Ways to Lower Your Home Insurance Costs.
Top Insurance Companies for Bundled Policies
Side-by-Side Comparison Table: Bundling Discounts & Rates
| Insurance Company | Estimated Bundle Discount (%) | Typical Coverage Options | Personalized Quote Tool | Notes |
|---|---|---|---|---|
| Progressive | 10-12% | Comprehensive, collision, liability, endorsements | Get a Progressive Home Insurance Quote | Easy online quotes, competitive bundle discount |
| State Farm | 17-22% | Standard & extended coverage | Online & Agent Support | Large agent network for personalization |
| Allstate | Up to 25% | Customizable bundle features | Online & Agent Support | Accident forgiveness and claims satisfaction guarantee |
| USAA | Up to 10% | Comprehensive, extra military member benefits | Members Only | Available only to military, veterans, and eligible family |
| GEICO | 8-16% | Wide range, partner carriers | Instant Online Quotes | Partner-driven policies, strong online ratings |
Bundling discounts and insurance bundle program details can vary between regions, but insurers like Progressive, State Farm, Allstate, and USAA consistently rank as the best insurance companies for bundled policies. For more details on how a Progressive bundle works in 2024, see this detailed review: Progressive Home Insurance Quote: Save More in 2024.
Eligibility notes: USAA provides insurance solutions exclusively for military members, veterans, and their families, so check your eligibility before applying. Always request personalized, free quotes to see your actual rate and bundle potential.
Tips for Maximizing Your Savings
- Compare Multiple Carriers: Don’t settle for the first quote. Use online comparison tools or work with an independent agent to compare insurance providers and maximize your multi-policy discount.
- Increase Your Deductible: Opting for a higher deductible can lower your monthly premium, but make sure you’re financially prepared in the event of a claim.
- Review and Adjust Coverage: Regularly reassess your home and auto coverage options as your needs change-such as renovations, new vehicles, or family status shifts.
- Maintain a Strong Credit Score: Insurers often offer better rates to customers with strong credit histories.
- Ask for All Discounts: In addition to bundling, check for loyalty, claim-free, safe driver, and home safety device discounts.
- Stay Claim-Free: Fewer claims can mean additional discounts and more attractive rates over time.
- Understand Policy Exclusions and Inclusions: Clearly understanding what’s covered prevents unpleasant surprises, especially after a loss. Brush up with this essential reading: What Does Home Insurance Cover?
- Shop Annually: Insurance rates change-review your policies at renewal each year to see if switching carriers can save on insurance.
For homeowners looking at targeted ways to cut their costs, take a look at 5 Proven Ways to Lower Your Home Insurance Costs for actionable strategies and insider tips.
Frequently Asked Questions About Bundling Insurance
Does bundling always save money?
While most people save with an insurance bundle, actual savings depend on your personal claim history, state regulations, and the carrier’s pricing structure. Some find up to 25% savings, while others see smaller discounts. Always use online insurance quotes to compare your personalized numbers.
Will a bundled deductible apply to both claims?
Usually, auto and home policies carry separate deductibles even when bundled. Some insurers offer single deductible options in rare scenarios-read your policy or ask your agent to clarify.
Does bundling impact coverage?
Bundling often lets you customize coverage options with greater flexibility, but the scope of what’s covered depends on your insurer. Learn more about comprehensive coverage details in our article: What Does Home Insurance Cover?
What if I need to file a home insurance claim?
If you experience loss or damage, your claims process may be simplified thanks to your bundle, since both policies fall under one carrier’s support umbrella. Follow best practices with this step-by-step guide on home insurance claims.
Can I bundle auto and home insurance with different renewal dates?
Most insurers will allow you to align renewal dates over time. This can help synchronize your premium payments and make annual shopping or switching simpler.
Who is eligible for maximum bundle discounts?
Eligibility often depends on your home value, car make/model, location, and, in some cases, membership (as with USAA). Comparing quotes from the best insurance companies ensures you find the highest multi-policy discount you qualify for.
Get Your Personalized Quote Today
Ready to save on insurance and simplify your coverage? Use instant online tools from the top carriers to compare insurance bundle rates side by side-many deliver free quotes in minutes. With the right approach, including the steps and tips outlined above, you’ll be equipped to secure the right auto and home insurance quotes for your needs in 2025. Start by exploring trusted providers and keep maximizing every available discount-your perfect insurance bundle is just a click away.
