Insurance companies offer the best home and car insurance bundling discounts when you purchase both your home and auto insurance from the same provider.

In addition to earning a bundling discount, having both your home and auto insurance policies at the same company makes policy management more straightforward.

Insurance Company	Rank	Savings Potential	A.M. Best	Who Qualifies?
	#1	25%	A+	Homeowners bundling policies.
	#2	25%	A++	Budget-conscious customers bundling.
	#3	25%	A	Customers with home and car policies.
	#4	25%	A	Loyal customers bundling policies.
	#5	20%	A	Families bundling car and home insurance.
	#6	20%	A+	Families looking for bundling discounts.
	#7	17%	A++	Homeowners bundling auto insurance.
	#8	13%	A++	Homeowners bundling car insurance.
	#9	10%	A+	Drivers bundling home and car insurance.
	#10	10%	A++	Military members and their families.

Continue reading to learn how to get an auto and home bundling discount at the best car insurance companies.

Want to find a new insurance company that offers a bundling discount today? Compare rates with our free tool by entering your ZIP code.

What You Should Know

• Allstate, Geico, and Liberty Mutual have 25% bundling savings
• Companies may also offer a bundling discount for auto and renters coverage
• Shopping around for auto insurance may help customers reduce rates further

Best Companies for Home and Car Insurance Bundling Discounts

Is it cheaper to bundle car and home insurance? Yes, bundling discounts at the best insurance companies will help you save money. However, make sure to consider the best companies' rates before the bundling discount is applied.

The more expensive companies also have large bundling discounts, so let's take a look at average rates once a home and car insurance bundling discount is applied.

Insurance Company	Monthly Rates	Bundling Discount	Discounted Monthly Rate
	$201	25%	$151
	$131	25%	$98
	$149	20%	$119
	$129	25%	$97
	$166	25%	$125
	$123	20%	$98
	$157	10%	$141
	$131	17%	$109
	$157	13%	$137
	$114	10%	$103

You can get auto and home insurance bundle quotes directly from the companies if you want to see how much your final rate for home and car insurance will be.

Since driving record has one of the biggest impacts on what rates you'll pay for auto insurance, take a look at the best companies' rates by driving record before a discount is applied (Learn More: Risky Driving Behaviors & the Car Insurance Age Tax).

Allstate is one of the more expensive companies to pick from, as well as American Family and Farmers. The cheapest companies before discounts are USAA and Geico.

However, make sure to consider any special needs. For example, if you are a senior, you may want to look into the best home and car insurance bundle for seniors. You will also want to look into a company's reputation by considering consumer reports of the best home and auto insurance companies.

How to Get a Home and Car Insurance Bundling Discount

In order to get a home and auto discount, you will need to choose a company that offers a bundling discount. To qualify, you will need to purchase both home and car insurance from that company. The discount will be automatically applied.

Some companies will also include renters insurance as a qualifying coverage for a bundling discount, meaning you can buy both renters and auto insurance for bundling savings (Read More: Best and Cheapest Renters Insurance).

What coverages will qualify for a bundling discount will depend on the provider, but the majority of companies will always offer at least home and auto insurance bundling savings.

Other Ways to Save on Car Insurance

Discounts are a great way to save on your car insurance policy, and a bundling discount is usually one of the largest discounts you can secure on car and home insurance.

However, discounts aren't the only way to reduce your rates and get affordable auto insurance. Some other great hacks to save money on your car insurance include:

• Dropping Unnecessary Coverages: Make sure to take a look at your add-on coverages. You may no longer need some coverage. For example, old cars that have greatly depreciated in value may no longer need collision and comprehensive coverage.
• Raising Deductibles: Your insurance deductibles are the amount you agree to pay toward repairs in a covered accident. If you feel comfortable raising your deductible, your insurance company will lower rates as its financial responsibility is reduced.
• Comparison Shopping: The company you are with may no longer offer the best deal. Every few years, make sure to get quotes and shop around to see if there is a better company for affordable coverage.

It is also easier to score cheap auto insurance coverage if you are a low-risk driver. Generally, this means that you have a clean driving record, drive a safe car, and live in a low-risk area.

Some companies also offer telematics driving programs that safe drivers can participate in to earn a lower rate on car insurance. Taking advantage of programs like these can help you maximize savings on your car insurance, leaving more money to spend on your home insurance.

Securing a Discount for Bundling Home and Car Insurance Coverage

When you purchase multiple lines of insurance coverage from a company that offers one of the best home and car insurance bundling discounts, the discount should automatically be applied. If it is not, make sure to call the company immediately to find out why. You may also be able to reach out online, depending on what customer service avenues are available.

Bundling discounts are one of the top ways customers have saved money on car insurance rates. Don't wait to start saving on car insurance today. Whether you are shopping for the best auto and home insurance bundle in Illinois or the best home and car insurance bundle in Texas, use our free quote tool to compare rates from reputable companies in your area today.