Dual Car Insurance: The Benefits of Insuring Two Cars

Dual car insurance provides coverage for two vehicles under the same policy. Compare rates from multiple companies using our comparison tool to save money on dual car insurance.

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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: Jun 11, 2020

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Here's what you need to know...

  • Dual car insurance covers two vehicles under one policy
  • Having one policy for two cars will save you time
  • Because insurance companies vary in prices and products, it’s important to research to find the company that is right for you

Do you have two vehicles? If so, it could be an enormous financial burden for you to manage. Well, don’t be discouraged. You can insure both of your vehicles while saving money with dual car insurance.

Start with your zip code and compare car insurance rates now!

This type of auto insurance plan will allow you to purchase coverage for two vehicles all on one auto policy, which could ease that financial burden a great deal.

Dual Car Insurance Defined

Dual car insurance is automobile coverage that, as the name states, covers dual (two) automobiles under one single policy.

This type of insurance is almost custom-made for two-car households.

Many of us have little time to deal with one, much less two, car insurance companies, due to hectic, busy lives.

Dual car insurance coverage allows you to manage your cover properly. For example, instead of two renewal dates, you now only have one. Additionally, if you must contact your insurance company about your policy, you only need to do so once, saving a lot of time.

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Dual Car Insurance Benefits the Policyholder

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All of the benefits you have come to appreciate from a single payment plan are still available to you in a dual car insurance plan. For example, you can still select either third-party liability or comprehensive, depending on the type of auto coverage you want and need.

  • Liability insurance is the bare minimum coverage you can carry in most states. This type of coverage reimburses you for any and all losses involving a third party in the event of an accident.
  • Comprehensive insurance coverage protects you against most issues, such as accidents, theft, and fire, as well as any third-party claims.
  • Other benefits can be added to your policy coverage, such as emergency road service, car rentals, and shuttle services. It’s also important to note that if you have financed your car, you may be obligated to purchase both liability and comprehensive insurance coverage.

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Shopping for Dual Car Insurance

To get the very most for your money and hard work, it’s extremely important to choose carefully when deciding on a dual car insurance plan. Shopping around via internet or telephone to get the best price and value is one of the best ways to achieve this.

Today’s insurance market is literally saturated with dual car insurance plans, and your expenses will fluctuate, depending on how much coverage you need, and how good a deal you are able to negotiate.

Putting in the time to research your inquiry will ensure that the insurance company you ultimately select will do the job.

Providing them with all of your requirements, along with other necessary and related details will ensure that the company will assist you in managing your policy effectively. Here are some tips:

  • Research at home – Many of today’s insurance companies specialize in dual car insurance plans. In fact, they have a vast network at their disposal to be sure you get the most coverage for your money. You can do all this while sitting at home or work.
  • Hire an insurance broker – Additionally, if you consult and hire an insurance broker, they can assist you in receiving the absolute best coverage that they can from various insurance companies. They can evaluate your requirements, and consequently can assist you in getting the price estimates for policies that fit your needs, as well as your wallet.
  • Compare online – Then, you will be able to compare price plans and buy online, if you choose to do so.

It’s important to also note that generally there aren’t any additional fees, surcharges, or administration expenses for most dual car insurance policies.

However, this is not a hard and fast rule, and it’s worth your while to check your own company’s own terms and conditions to familiarize yourself with their policies.

Dual car insurance is one policy for both vehicles in the household and is therefore under one name, as well. A one-vehicle policy can become a dual policy by adding an additional vehicle to it. Dual car insurance policies don’t have to start out that way.

Some companies will want only the basic facts about car and driver while others will expect more details, including the names and driving backgrounds of all drivers, routes taken on a regular basis, etc.

Bear in mind that this might cause a disparity in price, so be certain to get prices before purchasing the policy.

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