As a mom of four, I’m always looking for ways to save money. Between groceries, gas, and everyday expenses, it feels like every dollar needs to stretch further. One of the biggest money-saving hacks I discovered was bundling my auto and home insurance with the same company.

I had heard about bundling discounts before, but I never really looked into them—until I realized that I was overpaying by nearly $700 per year by keeping my car and home insurance separate. Once I started comparing auto and home insurance bundle quotes, I found out that some companies offer huge discounts just for combining policies.

If you’re still paying for separate policies, you could be leaving hundreds of dollars on the table. Here’s how to find the best cheap companies for bundling auto and home insurance and how much you can really save.

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What Is an Auto and Home Insurance Bundle?

🚗🏡 Bundling auto and home insurance means buying both policies from the same insurance company.

Most companies reward you with a discount of 10-25% just for bundling. The more policies you combine (such as auto, home, renters, or life insurance), the bigger your savings.

Why Bundling Saves You Money

✔ Multi-policy discount (the more policies, the bigger the discount).
✔ Lower deductibles (some companies combine deductibles for home and auto claims).
✔ Easier management (one company, one bill, one renewal date).
✔ Loyalty rewards (some companies add accident forgiveness or claim-free discounts).

I found that not all bundling deals are equal—some insurers offer way bigger discounts than others.

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Best Cheap Companies for Auto and Home Insurance Bundles

After comparing multiple quotes, here are the best companies that offer affordable auto and home insurance bundles:

1. GEICO

✔ Bundling Discount: Up to 25% off
✔ Best for: Homeowners looking for low auto rates
✔ Extras: Accident forgiveness and military discounts

2. Progressive

✔ Bundling Discount: Up to 20% off
✔ Best for: Drivers with safe driving habits (Snapshot® program can lower rates further)
✔ Extras: Large accident forgiveness and vanishing deductibles

3. State Farm

✔ Bundling Discount: Up to 17% off
✔ Best for: Homeowners who want great customer service
✔ Extras: Discounts increase with time (long-term customers get bigger savings)

4. Allstate

✔ Bundling Discount: Up to 25% off
✔ Best for: Those who want customizable policies
✔ Extras: Claim-free rewards program

5. Liberty Mutual

✔ Bundling Discount: Up to 20% off
✔ Best for: Homeowners looking for flexible policies
✔ Extras: Offers extended replacement cost coverage for home insurance

6. USAA (For Military Families)

✔ Bundling Discount: Up to 20% off
✔ Best for: Active and retired military families
✔ Extras: Cheaper rates than most competitors

These companies offer some of the biggest bundling discounts, but it’s important to compare multiple quotes before making a decision.

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How to Get the Cheapest Auto and Home Insurance Bundle Quotes

If you want the best deal, follow these money-saving tips:

✅ 1. Compare Multiple Quotes Online

💰 Savings: $300-$700 per year

• Use a site like Ocho.co to compare multiple bundle quotes at once.
• Some companies offer bundling discounts automatically, while others require you to ask for them.

✅ 2. Ask About Loyalty Discounts

💰 Savings: Up to 10%

• Some insurers increase discounts the longer you stay with them.
• Example: State Farm and Allstate reward long-term customers with extra savings.

✅ 3. Adjust Your Coverage for Bigger Savings

💰 Savings: Varies

• Raise your deductibles for lower monthly payments.
• Drop unnecessary add-ons (like roadside assistance if your credit card already offers it).

✅ 4. Take Advantage of Safe Driving & Home Safety Discounts

💰 Savings: 5-20%

• Safe driving apps like Progressive’s Snapshot® can lower your car insurance.
• Installing a home security system can also reduce your homeowner’s insurance cost.

✅ 5. Look for Claim-Free Discounts

💰 Savings: Up to 25%

• If you haven’t made a claim in the past 3-5 years, you could qualify for additional savings.

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How Much Can You Save by Bundling Auto and Home Insurance?

I personally saved $720 per year when I switched to a bundled policy. Here’s a breakdown of potential savings:

Company	Auto Insurance	Home Insurance	Bundled Cost	Annual Savings
Before Bundling	$1,200/year	$1,000/year	$2,200/year	—
After Bundling	$950/year	$850/year	$1,800/year	$400
Extra Discounts	Safe driver, home security, loyalty	Total Savings: $720

💡 Bundling saved me over $700 per year! Even if you only save $30 per month, that adds up to $360 per year—which could go toward groceries, gas, or savings!

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Final Thoughts: How to Get the Best Bundled Insurance Deal

Bundling your auto and home insurance is one of the easiest ways to save money—but not all bundles are the same.

Follow These Steps to Maximize Your Savings:

✔ Compare at least 3 insurance companies for the best bundling discount.
✔ Ask about loyalty programs—some insurers offer bigger discounts over time.
✔ Take advantage of safe driver and home security discounts.
✔ Make sure your policy actually saves you money—some companies increase rates later.

By following these steps, you could save hundreds per year—just like I did! 🚗🏡💰

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Questions About Auto and Home Insurance Bundles

1. What is an auto and home insurance bundle?

It’s when you buy both policies from the same insurer to get a discount.

2. How much can I save by bundling auto and home insurance?

Most companies offer 10-25% savings, which can be $300-$700 per year.

3. Which companies have the best bundling discounts?

GEICO, Progressive, State Farm, Allstate, Liberty Mutual, and USAA offer some of the biggest discounts.

4. Can I bundle renters and auto insurance instead of home?

Yes! Most insurers offer renters insurance bundles, which can save you 10-15%.

5. Does bundling affect coverage quality?

No, bundling only changes the price—you get the same coverage but at a discounted rate.

6. Is it better to bundle home and auto insurance?

Yes! You save money, simplify billing, and may qualify for extra loyalty perks.

7. Can I bundle if I already have separate policies?

Yes! Call your provider and ask for a bundled rate—or shop for a new provider.

8. Are there any downsides to bundling insurance?

Sometimes one policy (auto or home) might be cheaper elsewhere, so always compare total costs.

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If you haven’t bundled your auto and home insurance yet, you could be missing out on major savings! Start comparing quotes today and see how much you can cut from your yearly expenses. 🚗🏡💰