When my grandmother turned 65, she started looking for ways to cut costs—especially on bills she had been paying for decades. One of the biggest expenses? Her home and car insurance.

She had separate policies with different companies for years, and when I suggested bundling them, she hesitated. “Will it actually save me money?” she asked.

After some research, we found that bundling home and auto insurance saved her nearly $600 per year while keeping the coverage she needed. If you’re a senior looking for a way to lower your insurance costs, bundling your policies could be one of the easiest ways to save!

Here’s how to find the best home and car insurance bundle for seniors, which companies offer the best discounts, and how much you can really save.

---

Why Seniors Should Bundle Home & Auto Insurance

🚗🏠 Bundling means buying home and car insurance from the same company—and most insurers offer big discounts for doing so.

✔ Lower Monthly Premiums – Save 10-25% by bundling policies.
✔ Simplified Billing – One company, one bill, one renewal date.
✔ Extra Perks for Seniors – Some insurers offer lifetime renewability, accident forgiveness, or special senior benefits.
✔ Stronger Customer Support – Easier to manage when dealing with one company instead of two.

Even if you already have affordable insurance, bundling can reduce your rate even further.

---

Best Home and Car Insurance Bundle for Seniors (Top Companies)

Not all insurance companies offer the same bundling discounts for seniors. Here are the best senior-friendly providers:

1. The Hartford (AARP Auto & Home Insurance Program) – ⭐ Best for AARP Members

✔ Bundling Discount: Up to 20% off
✔ Best for: Seniors 50+ who want exclusive AARP perks.
✔ Why I like it: Offers lifetime renewability, accident forgiveness, and home repair assistance.

---

2. GEICO – ⭐ Best for Low Rates & Easy Online Management

✔ Bundling Discount: Up to 25% off
✔ Best for: Seniors looking for affordable, no-hassle policies.
✔ Why I like it: Offers low-cost car insurance and home insurance through partner providers.

---

3. State Farm – ⭐ Best for Personalized Service

✔ Bundling Discount: Up to 17% off
✔ Best for: Seniors who want local agents and strong customer service.
✔ Why I like it: Offers personalized coverage with local agents available for support.

---

4. USAA – ⭐ Best for Military Seniors

✔ Bundling Discount: Up to 15% off
✔ Best for: Veterans and military retirees.
✔ Why I like it: Provides cheap rates and exclusive military benefits.

---

5. Allstate – ⭐ Best for Customizable Coverage

✔ Bundling Discount: Up to 25% off
✔ Best for: Seniors looking for home and auto policy add-ons.
✔ Why I like it: Includes claim-free rewards and accident forgiveness options.

---

How to Get the Cheapest Home & Auto Insurance Bundle as a Senior

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

✅ 1. Compare Quotes Online

💰 Savings: Up to $800 per year

• Use a site like Ocho.co to compare multiple providers at once.
• Different companies offer different senior discounts, so checking multiple providers is key.

✅ 2. Ask About Senior & AARP Discounts

💰 Savings: 10-25%

• Many companies stack additional discounts on top of bundling, such as:
  ✔ AARP membership discount (The Hartford).
  ✔ Loyalty discounts for long-term customers.
  ✔ Low-mileage discount if you drive less.

✅ 3. Choose Higher Deductibles to Lower Monthly Costs

💰 Savings: Varies

• Increasing your home or auto deductible from $500 to $1,000 can lower your monthly payments.

✅ 4. Install Home Safety Features for Extra Discounts

💰 Savings: 5-15%

• Smoke detectors, security alarms, and impact-resistant windows qualify for additional home insurance discounts.

✅ 5. Take a Defensive Driving Course

💰 Savings: 5-10%

• Some insurers offer senior driving discounts if you complete an approved defensive driving course.
• The AARP Smart Driver Course is a great option!

---

How My Grandmother Saved Over $600 a Year with Bundling

When my grandmother’s separate auto and home policies became too expensive, here’s how we saved her hundreds of dollars:

✔ Compared quotes from The Hartford, GEICO, and State Farm.
✔ Bundled her policies through The Hartford (AARP Insurance).
✔ Applied for a defensive driving discount (saved 10%).
✔ Installed a security system in her home (saved another 5%).

Final result: Her premium dropped from $2,200 per year to $1,600—a $600 savings!

---

FAQs About Home & Auto Insurance Bundling for Seniors

🔹 What’s the cheapest home and car insurance bundle for seniors?
✔ GEICO, The Hartford (AARP), and USAA typically offer the best rates.

🔹 How much can I save by bundling home and auto insurance?
✔ Most companies offer 10-25% off, which could be $300-$800 per year.

🔹 Should seniors drop full coverage on older cars?
✔ If your car is worth less than $5,000, switching to liability-only could save money.

🔹 Is AARP insurance worth it?
✔ Yes, The Hartford’s AARP policies include accident forgiveness, lifetime renewability, and home protection perks.

🔹 What’s the best insurance for retired military seniors?
✔ USAA offers the best military benefits, plus affordable home and auto bundling options.

---

Final Thoughts: Get the Best Insurance Bundle as a Senior

If you’re over 60 and looking to lower your insurance costs, bundling home and auto insurance is one of the easiest ways to save!

✔ Compare quotes from multiple insurers to find the best price.
✔ Ask about senior and AARP discounts for extra savings.
✔ Install home safety features to reduce homeowners insurance costs.
✔ Consider dropping full coverage on older vehicles.

By following these steps, you can save hundreds per year—just like my grandmother did! 🚗🏡💰