Chelsey Tucker graduated with a Bachelor of History degree from Metropolitan State University in 2019. She now writes about insurance with her specialty being life insurance and has been quoted on Help Smart Phone and MEL Magazine.

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years. He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com.

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Mar 19, 2020

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The lowdown...

  • If you have more than one vehicle to insure, you probably want to have all of your vehicles listed on the same auto insurance policy
  • For drivers who have more than one car registered under their name, you may qualify for a multi-car discount from the auto insurance provider that issues your policy
  • If you are trying to add an additional driver to your policy who has a car registered under his or her name, then this car would have to be added to your policy
  • If you maintain a basic auto liability coverage, you will have coverage that follows you regardless of the car that you are driving
  • To get comprehensive or collision coverage for an additional car on your auto insurance policy, the car needs to be specifically listed, which may increase the cost of your premium slightly

If you are looking for auto insurance coverage for more than one vehicle, then you should be prepared to pay for a slight increase in your premium.

However, you will get a better value for insuring both cars with the same car insurance provider because many auto insurance companies offer a multi-car discount.

It is important to tell your auto insurance provider any time that you purchase or lease another car because it could affect how you are covered under your policy.

When you have more than one vehicle to insure, it pays off even more to shop around for the best car insurance rate before you go with any particular company. Compare car insurance rates today by using our free quote tool.

Discounts Available for Insuring Multiple Cars with the Same Auto Insurance Company

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Some auto insurance companies offer deeper discounts than others for coverage for more than one car or truck on the same policy. It is highly recommended that you look into more than one rate before signing up for a car insurance policy.

Comparing rates online is fast and easy with a free online rate comparison tool. As long as you know your zip code and some basic details about your car, you are well on your way to getting the information that you need to compare rates.

Almost every major auto insurance provider offer some sort of discount for drivers to have more than one car insured with the same company because they want to encourage as many drivers as possible to sign up for their auto insurance coverage.

The amount of the discount will depend on the company you choose because each auto insurance company is free to set their own rates and available discounts as they see fit.

In addition to getting a discount for insuring multiple cars with the same provider, there is a long list of other discounts that you might be able to qualify for.

These include:

  • a low-mileage discount for drivers who do not regularly use their cars
  • a multi-line discount for drivers who also get their home owner’s or renter’s insurance with the same company
  • a good driver discount for drivers who have a fairly clean driving record and have not gotten into any auto accidents recently

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Finding the Best Discounts for You

You should ask your current auto insurance provider about these discounts to see which ones that you could qualify for.

If you find out that none of these discounts apply to you from your current provider, you could always check around in your local market to see if your situation would improve by switching to another auto insurance company.

If you do find out that you are eligible for more discounts and a better rate from another company, you should not fret about the process of switching to another company. It is fairly easy and typically only requires a few quick phone calls on your end.

If you do decide to go through with the process of working with a new auto insurance provider, you have to make sure that you do not stop your previous coverage until you are sure that your coverage is active with the new company.

If you go forward with canceling your previous coverage too soon, you could be in a real bind with the law because you would not technically have any auto insurance coverage, which is illegal in almost every state in the U.S.

Another complication with canceling your auto insurance coverage too early is that it will reflect on your record that you went a certain period of time without coverage which could cause your next auto insurance provider to charge you a higher premium.

You would have to wait for your record to clear itself up before you could enjoy the same lower rates on your auto insurance coverage as you did before. This is why it is so important to time the date of your switch to a new company very carefully.

The Importance of Telling Your Auto Insurance Company About All of Your Vehicles

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If you have two cars or trucks officially registered under your name through the state department of motor vehicles, then you need auto liability coverage.

As long as you have auto liability coverage for one vehicle, you will likely be able to have the coverage extended to the additional vehicle.

This will cover you in the event that you are the cause of damage to another car or truck in an accident. Be advised that it does not actually protect your vehicles for damage sustained by them in an accident.

You need an additional optional coverage if you are looking for that type of protection.

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You may be wondering about having two cars insured under the same auto insurance policy because you have more than one driver on your car policy. This is a very common situation for families who have more than one driver under the same roof.

Each car and driver on your auto insurance policy will be listed separately.

You should make sure to tell the insurance provider about each and every car because it could be a condition of your policy. Your failure to do so could complicate your coverage situation if you ever need to file a claim under your policy.

The auto insurance provider may have a system whereby it assigns certain cars to certain drivers under the same policy.

Check with the agent or representative of the auto insurance provider that you are using to clarify which car is assigned to which driver. This could be important in determining the rate that you pay for your car insurance coverage.

For example, if you have a teenage driver insured under your policy, you will want to be certain that the teen driver is assigned to the least expensive car on your policy. If the teen driver is assigned to a sports car on your policy, your rates could drastically increase.

When you go through the process of assigning card drivers on your auto insurance policy, you want to be sure that you were following whatever guidelines are set by your policy.

For example, if a particular driver in your family that is listed on your policy is excluded from driving a particular car, you would not be able to have coverage for a claim involving an accident with that particular driver and car.

It does not pay to try to dupe the auto insurance company to try to save a few extra dollars on your premium.

Some Final Thoughts on Getting the Right Car Insurance Coverage for Two Vehicles

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Some drivers own more than one car, which means they are required to list all of the vehicles that are officially registered under their name on their auto insurance policy.

Even though your basic auto liability policy will cover you no matter what car you are driving, you still need to provide the auto insurance company with details regarding additional cars that are registered under your name.

If you choose to add on optional coverages for the extra cars listed on your auto insurance policy, you could experience a small increase in your overall insurance premium.

The good news is that you will also probably get a break on your premium for having more than one car listed with the same auto insurance policy.

For almost every driver, it does not really make sense to have separate auto insurance drivers for each car registered under his or her name.

Compare auto insurance companies side-by-side today by using our free rate tool.