One of the simplest and most effective ways to reduce your insurance costs is to bundle your auto and homeowners insurance with the same carrier. Most major insurers offer a multi-policy discount of 10–25% on both policies when you combine them — and the savings can add up to hundreds of dollars per year.
How Much Can You Save by Bundling?
| Scenario | Individual Policies | Bundled | Annual Savings |
|---|---|---|---|
| Auto + Home (CA) | $3,800/yr | $3,040/yr | ~$760 |
| Auto + Home (TX) | $4,200/yr | $3,360/yr | ~$840 |
| Auto + Home (AZ) | $3,400/yr | $2,720/yr | ~$680 |
| Auto + Motorcycle | $2,100/yr | $1,785/yr | ~$315 |
Estimates based on average premiums. Your actual savings will vary based on your specific situation.
Benefits Beyond the Discount
- Single point of contact — One agent handles all your policies, making claims and changes simpler.
- Coordinated claims — When a single event affects both your home and car (like a tree falling on your house and car), a bundled policy can simplify the claims process.
- Loyalty discounts — Many carriers offer additional discounts the longer you stay with them.
- Simplified billing — One payment, one renewal date, one insurance card to keep track of.
When Bundling Might NOT Be the Best Choice
Bundling is not always the cheapest option. If a carrier offers a large discount on one policy type but is uncompetitive on the other, you might save more by splitting your policies. This is exactly why working with an independent broker like Sewell Insurance Agency is valuable — we compare both bundled and separate options across multiple carriers to find your lowest total cost.
Get a Bundle Quote Today
Tell us what you need, and we'll compare bundled rates from top carriers across CA, TX, AZ, NV, and OH. Most clients see their quote in under an hour.