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: Oct 5, 2020

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It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We partner with top insurance providers. This doesn’t influence our content. Our opinions are our own.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Here's what you need to know...

  • You may qualify for a multi-car discount through some providers when you insure two or more vehicles under the same policy
  • The cost of your auto insurance is affected by the type of vehicles you insure
  • Drivers can compare insurance rates on different vehicles before buying their next vehicle
  • Insuring multiple drivers under the same policy may also help you to qualify for savings on your insurance premium


Drivers generally do not want to risk driving at any time without an effective insurance policy in place, and this is because of the legal ramifications associated with doing so and the potential cost of an accident or another type of damaging event.

However, while you need coverage for all of your vehicles, you do not want to pay a higher premium than is necessary.

Some providers offer a multiple vehicles discount to drivers, and this can make it more affordable to insure your vehicles under one policy rather than to insure them separately. It may also make it easier for you to manage your finances.

When you learn more about this discount, you may be able to use your knowledge to save money on your premium now and in the future. Make sure to use our FREE insurance quote tool above today!

Table of Contents

Understanding How a Multiple Vehicles Discount Saves You Money

Before you spend time and energy trying to consolidate your coverage for all of your vehicles, you may benefit by learning how this could save you money overall. Insurance companies issue your rates based on factors like how much coverage you purchase, the safety rating of your car, and more. They also look at their overall cost to service the policy.

When you combine multiple vehicles or multiple drivers under a single policy, the insurer’s administrative expenses associated with your coverage decrease. Many providers pass these savings on to policyholders in the form of a multiple vehicles discount.

Similar discounts are provided for insuring multiple drivers or even for bundling your auto coverage with your home insurance, renter’s insurance, or other types of coverage.

Exploring Other Factors That Influence Premium Amounts

The coverage terms and limits that you select for each vehicle will determine how affordable your auto insurance premium is with this discount in place, but other factors related to each driver or vehicle on your policy are also taken into account.

By learning more about other factors that car insurance companies analyze when you request a quote for coverage on multiple vehicles, you may be able to adjust some factors to save money now or in the future. These factors include:

  • Your driving history
  • Your claims history
  • Details about each vehicle being insured
  • Your age and gender
  • Your credit rating
  • Statistics for your home’s zip code
  • How far you normally drive

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Comparing Rates to Save Money on Coverage for All of Your Vehicles

The financial value of a multiple vehicles discount varies by provider, and the same holds true for the rates for each vehicle that you need to insure.

You can easily compare separate quotes for each vehicle that you want to insure as well as bundled coverage to ensure that combining the vehicles into a single insurance plan is the most cost effective option available.

Because insurance companies have different rates and discounts, you need to shop around with multiple insurance companies online to find the best deal possible when looking for coverage for all of your vehicles. You can easily streamline the process when you compare rates online from just a few of the top providers.

You can eliminate many auto insurance providers from the running by researching their customer satisfaction level and their overall financial strength online.

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Learning About More Ways to Save Money

The multiple driving discount is just one of many ways to save on car insurance. When you understand these techniques, you can more easily set up a policy that is affordable for you. Some money-saving ideas for auto insurance include:

  • Paying your premium amount in full
  • Setting up automated payments if you pay your premium with installment payments
  • Increasing your deductible
  • Qualifying for more car insurance discounts

Discovering Other Auto Insurance Discounts

While the above factors can impact your premium in different ways, you may be able to save money on your premium by maximizing the discounts offered by various auto insurance providers. Many providers offer multiple discounts, but the qualifications and types of discounts available vary.

Shopping around can help you to identify the best overall deal on your premium. Some of the other discounts that you may qualify for include:

  • A safe driver discount
  • An infrequent driver discount
  • A student discount
  • A senior citizen or retiree discount
  • A discount for military or civil service

Finding Affordable Vehicles to Insure

Insuring multiple vehicles under the same policy can be expensive, and the vehicles themselves play a key role in the cost of insurance. You may be thinking about trading in one or more vehicles soon, and you may be able to shop around to find a vehicle that qualifies for better rates.

When you are insuring multiple vehicles under the same policy, the cost of your premium may be heavily influenced by the specific features of your vehicles. Some safer vehicles are much more affordable to insure, and you can easily focus on finding more affordable vehicles to insure when you trade in your vehicles in the future.

Some of the factors that car insurance companies look at when quoting rates include:

Getting Quotes for Car Insurance the Easy Way

If you are thinking about wrapping two or more vehicles together under one auto insurance policy, it makes sense to compare quotes for insuring the vehicles separately and together from multiple providers. This can take time, but you can more quickly and easily get quotes from reputable auto insurance providers when you use the internet.

Many reputable providers issue online quotes during non-business hours as a convenience to consumers. Now is a great time to explore the affordable auto coverage options available for your vehicles. Compare rates with our FREE insurance comparison tool below to make sure you are getting the best rate!