Combining Car Insurance

Discounts for combining car insurance policies can save you up to 35% on car insurance rates if you own multiple vehicles. Compare quotes from companies that offer multiple discounts.

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jan 20, 2021

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Here's what you need to know...

  • If you have multiple cars, combining them onto one insurance policy could save you a good bit of money
  • Most insurance companies offer additional discounts, so check with an agent to see which ones you qualify for
  • If you are planning to purchase or sell a car within the duration of your coverage, check with your insurance company to see how to go about doing so

Do you own more than one car, or are you considering getting a second car? If the answer to either of those questions is yes, you probably are wondering how much you’ll pay for insurance.

Start searching for car insurance quotes today by entering your zip code above now!

If you combine your car insurance, you could save 10 to 35 percent on your monthly premiums. Combined car insurance policies can offer you a way to drive more than one car when you didn’t think it was possible.

Benefits of Combined Car Insurance

Combined car insurance allows you to put all your cars on one policy and actually save money by doing so.

The car insurance companies like this because you are giving them more business, so they reward you by giving you discounts. If you have more than one car, it is less likely for each car to get in an accident, and this lowers your insurance rates.

The more cars you insure with one company, the more you save.

Having your cars on one policy will help you stay organized, too. If you buy an insurance policy for each car, you need to keep track of all their due dates. With a combined car insurance policy, you only have one due date for payments.

You don’t have to be the owner of all the cars to purchase combined car insurance. If you live with other people who own cars and want to buy a policy together, you can.

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Points to Consider With Combined Car Insurance

Although combined car insurance is the most cost-effective way to insure all your cars, there are some things you should look out for while searching for the best policy:

  • You may have just bought a second car and need to insure it. The payment method you used has an effect on your combined car insurance rates. If you paid for it up front, you could get cheaper insurance than you could if you paid for it over time.
  • The type of car you buy is another factor. Insuring a brand new Ferrari will cost much more tha10-year-old minivan.
  • You should ask if the insurance companies allow for monthly payments. Although combined car insurance is the most cost-effective way to buy insurance for multiple cars, if you have to pay the insurer in one lump sum, it could be too much of an expense at one time.

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If you plan on selling one or more of your cars and buying new ones during the term of your policy, ask the insurance companies if they will allow cars to be swapped in your policy. Some won’t, and you’ll be stuck with keeping the same cars until your policy is up.

Do you have cars in multiple locations? Check to see if the insurance company you’re considering will allow you to have all the cars on one policy.

Most insurers won’t care where your cars are located as long as they belong to you, but there are exceptions.

It is always best to buy insurance from well-known and highly-rated insurers. Otherwise, you run the risk of choosing an insurance company that cannot cover your claims.

Finding Combined Car Insurance

If you have an insurance policy on one car and you buy another car, the first thing to consider is whether your current insurance company offers combined car insurance.

Even if your insurer has combined car insurance policies, you should always shop around to find the best deal.

The insurance business is competitive and companies are constantly coming up with new deals and incentives to entice you to work with them.

Enter your zip code in the box below to compare quotes from multiple companies and find out how much you can save!

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

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