It’s not always the best deal

The collection of auto and home insurance – purchasing both policies from the same carrier – can save money and simplify policies and bills.

But the auto and home insurance package is not always the best deal. In some cases, it is cheaper to buy policies from separate companies, or is the only option.

The only way to see if you will save money by collecting home insurance and car insurance is shopping and comparison.

Assembly is simply buying more than one policy from one transport company. Many car insurance companies give you a break to assembly with multi -policy discounts.

The most common is the car insurance package, but transport companies also provide discounts to purchase other types of coverage, such as car insurance, tenants, cars and life insurance. Some transport companies also offer similar discounts to secure more than one car.

Learn more: How can the auto insurance package and tenants provide you with great

In some cases, you can save 10 % or more by collecting home and cars insurance, said Diane Dylani, Executive Director of the Special Risk Management Association, a trade organization for non -profit insurance via e -mail.

But there is no guarantee.

She said: “The amount you save depends on your insurance plan, the country you live in, and your carrier.”

Looking at all variables, insurance companies do not announce accurate savings, but rather that it is possible to provide up to a percentage or a certain amount.

Here are examples of the renewal of discounts from some of the largest insurance companies in the country. Keep in mind that discounts are not available in each state:

• Allstate: Up to 25 %

• Farmers: 10 % or more

• Jiko: The amount of savings is not announced. (GEICO does not secure home insurance but offers a multi -bad deduction if you buy Car insurance from GEICO and home insurance through the Geico Insurance Agency, which sells coverage from other transport companies.)

• Mutual freedom: Up to $ 950

• On the national level: Up to 15 %

• progressive: The declared average is different. Progressive sells home insurance provided by a network of companies.

• State farm: Up to 17 %

• Travelers: It does not announce an estimated savings amount, but it announces multiple assembly options.

• USAA: Up to 10 %

Getting home and cars is not for everyone

Despite the discounts, the collection has decreased in recent years.

Among the car insurance consumers who own a house, 58 % collected car insurance and house in 2024, a decrease from 71 % in 2016, according to the research conducted by JD Power, a data and analysis company. The declining direction began before the epidemic and then accelerated in 2022.

Stephen J. Cordson, the chief manager of the GD Power International Insurance Intelligence Group, via email: “In the end, consumers are looking to provide car and home insurance in light of historical prices in recent years,” Cordson, Cordson, Senior Director of the Global Insurance Intelligence Group at JD Power,. “They sometimes find their best deal is to divide their policies through multiple transport companies, rather than the most traditional approach to savings by assembly.”

Learn more: Car insurance prices climb. Here are 4 reasons and 11 ways to memorize.

Ubi -based insurance growth also had an effect as well.

“When consumers can provide more about car insurance by obtaining a UBI and a homeowner's insurance in the lowest or less installment, they sometimes find that they provide more than collecting policies with the same insured.”

Learn more: How to use the useful insurance for drivers

In addition, some consumers dropped the coverage because they had a problem finding reasonable insurance. Cruiseon said that JD Power has found an increase in uninterrupted drivers over the past two years, which may have had a small impact on assembly.

Sometimes maintaining your policy can be more logical, said Erika Turturi, director and founder of Optimum Insurance Solutions, an independent insurance agency in Hamilton, Massachusetts, in an interview.

For example, the history of heavy car claims or a teenage driver based on a policy will increase the cost of car insurance. The home insurance company may not provide the best price for cars coverage, even with assembly discount.

Read more: How to find insurance on cars at reasonable prices for youth

Dilani said that if you live in a high -risk area of ​​hurricanes, floods, forest fires or other disasters, you may have to buy home insurance from a specialized airline. “This may make the assembly impractical or unavailable.”

Another case in which the assembly may not work for luxury property.

“Customers with high value who have luxurious assets, such as classic cars or water holiday properties, often require specialized companies that provide coverage designed to meet their own needs, making assembly less useful,” said Dylani.

Learn more: What is covered by classic cars insurance – and no

Follow these tips for the best car insurance coverage at the lowest price.

Understand what you need

Select the amount and types of insurance on the cars and the house you need. This includes the choice of discountable amounts – the amount you pay from his pocket for home or cars repairs. The opponent will mean lower installments. Choose an amount that you can pay in case of submitting a claim.

“Understanding this matter is clear to this before or during shopping, it can help you make more enlightening coverage decisions and find a policy that corresponds to your budget,” Dylani said.

Learn more: What you need to know about car insurance discounts

Compare auto and home insurance prices in multiple companies, without assembly.

“To ensure that you get the best price, make sure that any subscriber from one insurance company is less than buying coverage separately from different companies,” the insurance information institute recommends its website.

You can buy coverage in several different ways: directly from a company, through an agent representing one company, or through an independent agent representing multiple companies.

“If you participate with (independent) agency, they will do this shopping for you,” Torturisi said.

Dilani said that independent agents can advise on what must be assembled or the package and are especially useful for home owners with unique needs, such as real estate or homes of high value in high -risk areas. “They can allocate policies to provide the most comprehensive protection.”

However, keep in mind that although independent agents represent multiple companies, they do not represent every company there, so you can pay to do some shopping on your own as well.

Make sure you get all the discounts you qualify for. The assembly is one of the many who are presented.

Learn more: How to get the best car insurance discounts

Sometimes, companies that cannot sell one type of coverage, such as home insurance, will still give you a deduction of car insurance if you show that you got home insurance coverage elsewhere. It does not hurt me to ask.

Examine a financial time once a year to make sure that cars and home insurance has continued your needs. Next, get some quotes to compare prices and choose the company – or companies – that offer the best deal and service.