Best Affordable Auto Insurance Provider That Bundles Home, Auto, and Boat in 2021
Auto insurance companies that bundle home, auto, boat, and personal liability provide discounts to customers that bundle coverage. USAA has the lowest rates for customers looking to bundle home and auto insurance, and State Farm has the second-lowest average rates. Knowing about affordable auto insurance companies that bundle home, auto, boat, and personal liability will help you find the right company.
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UPDATED: Sep 21, 2021
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- USAA has the lowest rates for bundling home and auto coverage
- Most insurance companies offer discounts for bundling coverage
- Customers should cancel previous policies 30 days before switching companies
Auto insurance companies offer discounts for bundling coverage, often resulting in lower rates. USAA has the lowest rates for customers that bundle home and auto coverage.
Knowing more about auto insurance companies that bundle home, auto, boat, and personal liability insurance will help you find the cheapest coverage.
Before learning about auto insurance companies that bundle home, auto, boat, and personal liability insurance, enter your ZIP code to find free car insurance rates in your area.
What are the rates from auto insurance companies that bundle home, auto, boat, and personal liability?
Comparing affordable auto insurance companies that bundle home, auto, boat, and personal liability will help you find the cheapest coverage. The following chart shows the average annual rates for a home and auto bundle based on the company.
|Company||Average Annual Rates for Home and Auto Bundle|
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As you can see, USAA has the cheapest auto insurance companies’ rates that bundle home, auto, boat, and personal liability coverage. However, USAA is only available for military personnel and their families. For everyone else, State Farm has the lowest rates.
While home and auto are the most common bundling options, many insurance companies also allow you to bundle other types of insurance, like boat and personal liability coverage. Adding more insurance to your policy bundle can result in more savings.
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How can you obtain coverage from auto insurance companies that bundle home, auto, boat, and personal liability?
Most people use separate companies for their home and auto insurance.
As previously mentioned, most insurance companies provide discounts for bundling different types of coverage together. While it’s most common to bundle home and auto insurance, there are other bundling options.
Some of the other types of insurance bundles include:
- Auto and renters insurance
- Motorcycle and renters insurance
- Auto, home, and life insurance
- Multi-car insurance
- Boat and auto insurance
If you’re looking to bundle your insurance policies, the first step is to cancel your policy from the company you don’t want. Giving the company written notice at least 30 days in advance ensures they’ll stop billing you by the time your 30 days are up.
In most cases, you can set up your current policy to end on a specific day. Ending your current policy the same day your new policy starts will ensure you don’t have any gaps in coverage. That means you’ll need to start looking for quotes before your current coverage expires.
You might decide to bundle coverage with one of your current companies. However, you can also find yourself in a situation where you use a pair of auto insurance companies that don’t bundle home, auto, boat, and personal liability insurance. In this case, you’ll need to find a new provider.
The Insurance Information Institute says there are several ways to save on insurance, including bundling. To ensure you’re getting the best price for your bundled coverage, look for both bundled and individual quotes for the types of insurance you need.
The following are some tips when looking for quotes.
- Know your coverage: Review your current policy to make sure that you get quotes for the same coverage limits.
- Get quotes: Compare your current rates with three or more companies. Ask for bundle and individual quotes to find the best rates.
- Ask about discounts and deductibles: Asking about discounts will help you find the most savings. Some companies offer a single deductible if multiple insured possessions are damaged in the same incident.
- Shop annually: Rates can change frequently, so you should compare rates every year or two to ensure you’re still getting the best price.
Once you find the right company to bundle with and schedule the cancellation of your current policy, you’ll be ready for bundled coverage.
Should you bundle coverage from auto insurance companies that bundle home, auto, boat, and personal liability?
Now that you know about bundling insurance and how to obtain it, you might be wondering if you should bundle coverage. The answer depends on whether bundling coverage will result in cheaper rates than if you kept your coverage separate.
You should consider bundling insurance if you:
- Find the combination of policies cheaper than what you currently pay
- Cannot find cheaper rates at separate companies
- Are trying to insure a risky home
- Want a stronger relationship with your insurance company
Bundling coverage almost always results in lower rates due to the provided discount. However, if you find significantly lower individual rates from different companies for your chosen coverage, it can be cheaper to keep your policies separate.
The following chart shows the average annual combined unbundled rates of USAA auto insurance and competitor’s home insurance.
|Auto Insurance Company||Home Insurance Company||Annual Rates Unbundled|
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The average USAA home and auto bundled policy is $2,513, so a separate USAA auto policy and Travelers homeowner’s insurance policy is cheaper than bundling. However, bundling USAA auto insurance provides the cheapest auto and home insurance when considering other competitors.
The best way to determine who is the best insurance company for home and auto is to compare auto insurance companies’ quotes that bundle home, auto, boat, and personal liability coverage.
Auto Insurance Companies That Bundle Home, Auto, Boat, and Personal Liability: The Bottom Line
Bundling auto and home insurance will usually result in lower rates than using separate companies. When bundling, USAA has the lowest rates. Understanding auto insurance companies that bundle home, auto, boat, and personal liability will help you find the cheapest coverage.
Now that you know about auto insurance companies that bundle home, auto, boat, and personal liability coverage, enter your ZIP code to get free car insurance quotes in your area.