Multiple Line Insurance Discounts

A multiple line discount reduces total insurance rates by up to 15% when customers purchase multiple types of insurance, like home and car insurance, from the same company.

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A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

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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® Joel Ohman

UPDATED: May 4, 2022

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Here's what you need to know...

  • Multi-line discounts mean you are buying other insurance on top of auto insurance
  • Most of the larger insurance companies offer a multiple line discount
  • A multiple line discount saves you money on all the insurance policies you are signing up for, resulting in major savings altogether
  • Do your research, compare insurance companies, and see what you qualify for

Just like with multi-vehicle discounts, you might as well be setting your money on fire as a consumer if you’re not using multi-line insurance discounts. The savings can be anywhere from five percent to 15 percent.

If you were to combine these savings with other discount opportunities, then you would be saving hundreds of dollars per year.

There is one catch: It’s not as easy to figure out the savings by using online insurance tools.

You might have to consult an agent to figure out how to lower your rates by buying multiple kinds of insurance policies from one firm.

As always, make sure you check your car insurance rates by typing your ZIP code into the FREE box on this page now!

What does Multi-line mean?

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Multiple line discounts for auto insurance simply means that, for example, instead of just buying auto insurance from Nationwide, you would also buy:

This bundling would mean significant discounts on almost all of those lines of insurance.

Most of the larger auto insurance companies offer the multi-line discount.

These companies would have to be larger and offer more services in order to offer other kinds of policies anyway.

The size of the company is why Progressive, Amica, and Nationwide can offer the multiple line discount, while smaller statewide or regional firms that only deal in car insurance might not be able to.

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Nationwide Offers Significant Savings with Multi-Line Discounts

Even though two of the three firms that we did tests for didn’t really allow you to show how much you could save with multiple line purchases, Nationwide did.

As per usual, the vehicle we used was a 2002 Toyota Tacoma 4-door car. The driver was a 49-year-old adult male with no moving violations over the last several years. The recommended monthly price for auto insurance was $110 per month.

When we went back in, edited the quote, and added every other line of Nationwide insurance that you could buy – which included an annuity, commercial policy, farm policy, and a life policy – the rate dropped to about $83 or about a 20 percent savings.

That’s $27 a month or more than $300 per year. That’s a significant savings.

Keep in mind that your final numbers may vary if you don’t own a farm or need a farm policy. Other factors may also vary.

Both Amica and Geico Require Agents to Determine Savings

Our experiment was unsuccessful in figuring out how much money we could save online with both Amica and Geico because neither company allows you to add multi-line discounts online.

Geico would simply tell you that other discounts were available when you also purchased these types of insurance:

Likewise, Amica would inform you that you may be eligible for a variety of discounts if you also buy their homeowner’s insurance and urge that you “Contact an Amica representative to review the discounts available in your state.”

If you’re really looking for discounts, then you have to make a real effort at using online insurance quotes in order to find what you’re looking for.

Multi-Line Purchases Save You Money on All of Your Insurance Buys

One of the other advantages of buying multiple lines of insurance is that you save money not only on your auto insurance but on every single line of insurance that you buy.

While multi-policy is probably one of the harder auto insurance discounts to investigate online, the significant savings make it worthwhile.

You might have to go through a number of sites in order to find other suitable kinds of insurance that you might like.

For instance, your family may approach a particular insurance company because it has accessible agents to whom you can actually talk frankly. So other factors besides costs may come into play.

You also have to research the best and most effective kinds of rental, home, and/or life insurance policies for this to work.

Homeowner’s insurance is actually more important than auto insurance because it involves your biggest asset.

Homeowners insurance also covers home repairs, which can easily run into thousands of dollars. And life insurance helps protect your family and provide a financial cushion in the event of your timely or untimely demise.

As always, shop around and think things through. And you can start the online car insurance comparisons right now by typing your ZIP code into the box below!



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

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