Multi-Car Insurance Discounts: How Much Can You Save?

If there’s one thing we can all agree on, it’s that cars are expensive. When you add a second or third car to your household, you know that everything from gas to repairs and regular maintenance doubles or triples, too. Luckily, most insurance companies offer multi-car discounts that can help you save a little on your car insurance premiums. 

An independent insurance agent in your area can help you get the right coverage for all of your cars and can help you access all of the discounts that you're eligible for, including multi-car discounts. 

What Is a Multi-Car Discount on Car Insurance?

Understanding the multi-car discount is simple: The more cars you have on one policy, the less you’ll pay in premiums for each vehicle. A multi-car discount doesn’t mean you’ll pay less for two cars than you would for just one car. It means you’ll pay less for two cars on one policy than you would for two vehicles on separate policies. 

How Much Can You Save With a Multi-Car Discount? 

Each insurance company is likely to have its own requirements and discount percentage for a multi-car discount. You might be able to save up to 25% on your premiums with a multi-car discount, but it depends on your insurance company. 

Which Insurance Companies Offer the Best Multi-Car Discounts?

You'll probably find that most insurance companies offer multi-car discounts. Here are some of our favorite carriers that offer this popular incentive. These carriers don't all publicize the exact amount of their multi-car discounts, but you can expect them to range from around 8% to 25%. 

• Progressive: Progressive is based in Ohio but offers car insurance across all 50 states. People across the U.S. can look to Progressive for most of their personal insurance needs. 
• Travelers: Travelers offers highly rated car insurance. The company also provides a variety of other personal insurance options, including home and renters insurance, across the U.S. 
• Nationwide: Nationwide provides auto insurance and other popular types of personal insurance coverage. The company is headquartered in Columbus, OH, and is represented by independent insurance agents in 50 states. 
• USAA: USAA was founded in 1922 by 25 Army officers who decided to insure each other's vehicles. Over time, the organization grew to serve millions in the military community, offering a variety of personal insurance products as well as other financial products and services. 
• Liberty Mutual: Liberty Mutual is headquartered in Boston, MA. The company offers a flexible, multi-line range of coverages, including car insurance. 

An independent insurance agent can help you get quotes from multiple insurance companies so you can find the best coverage for your needs. A local agent can also ensure you have access to all of the car insurance discounts that you're eligible for.

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How Can an Independent Insurance Agent Help You Get a Multi-Car Discount?

Independent insurance agents are insurance industry experts who know about all the latest discounts, so you don’t have to. That means they’ll help you find the right coverage for you at the right price and will help you maximize the discounts that you're eligible for. 

Independent agents aren't just there when you purchase your car insurance policy; they'll also be there for you throughout the life of your policy and can help you find solutions for all your personal insurance needs.