Multi-Car Insurance Discount
Multi-car insurance discounts save families real money. Insuring two or more vehicles on one policy can cut your premium by 25% or more compared to insuring them separately.
Got two cars in the driveway? Three? More? If you're insuring them separately or with different companies, you're leaving money on the table. Combining them into a single policy almost always costs less.
Here's how to maximize your savings and find the carrier that rewards multi-vehicle households the most.
How Multi-Car Discounts Work
Insurance companies reward households that bundle vehicles together. From their perspective, it's efficient. Less paperwork. Fewer policies to manage. More loyal customers who stick around longer. They pass some of those administrative savings to you.
Most carriers offer 10-25% off when you add a second vehicle. The discount often grows with each additional car. A three-car household might save more per vehicle than a two-car household.
But here's the catch: not all carriers calculate multi-car discounts the same way. Some are generous. Others offer token discounts. The only way to find the best deal is to compare.
Who Qualifies for Multi-Car Discounts?
• Married couples with two vehicles - The most common scenario. Both cars on one policy.
• Families with teen drivers - Adding a teen's car to the family policy costs less than a separate policy.
• Households with multiple licensed drivers - Even if each person has their own car.
• Anyone with more than one registered vehicle - Including recreational vehicles in some cases.
You don't need to be related. Roommates who live at the same address often qualify for multi-car discounts too. The key is the same household address.
Stack Your Savings
Multi-car discounts combine with other discounts to create serious savings. The more you stack, the more you save.
• Good driver discount - Clean records get rewarded.
• Bundling with home insurance - Adding a homeowners policy on top of multi-car creates double discounts.
• Paperless billing discount - Many carriers offer 2-5% for going paperless.
• Paid-in-full discount - Paying annually instead of monthly often saves 5-10%.
• Loyalty discount - Some carriers reward customers who stay year after year.
• Good student discount - If you have a teen with good grades, this stacks too.
We find carriers that let you stack multiple discounts generously. Some cap total discounts. Others let them compound. We know which is which.
How We Find Your Best Multi-Car Rate
We compare multi-car rates across Progressive, GEICO, The Hartford, Safeco, Liberty Mutual, Travelers, and more. Each carrier calculates discounts differently. Their base rates differ, too. The cheapest single-car carrier might not be the cheapest multi-car carrier.
Our software runs the numbers for your specific household. We factor in all your vehicles, all your drivers, and all available discounts. You see the total cost from each carrier, side by side.
What If Our Drivers Have Different Records?
Mixed households are common. Maybe one driver has a clean record, and another has a ticket or two. We can still find competitive rates. Some carriers weigh the primary driver more heavily. Others average everyone's history. We find the approach that works best for your household.
Ready to Save on Multiple Vehicles?