To bundle your policies for maximum car insurance savings in 2025, follow these steps and best practices, based on the most current industry data:

1. Choose the Right Insurer for Bundling

• Top carriers for bundling in 2025 include State Farm, Allstate, Nationwide, Farmers, and Travelers—these companies offer some of the largest or most unique bundling discounts.

• State Farm stands out with an average bundling discount of 23% (up to $1,356 per year).

• Allstate offers discounts up to 25%.

• Nationwide and Travelers typically offer discounts around 20%.

2. Understand What You Can Bundle

• Most insurers allow you to bundle auto with home, renters, condo, motorcycle, boat, RV, or life insurance.

• Bundling auto and homeowners insurance yields the highest savings—up to 25%.

• Bundling auto with renters insurance usually results in smaller discounts, often up to 10%.

3. Compare Quotes and Calculate Real Savings

• Always compare the final bundled price to standalone policies from different insurers. A big discount doesn’t always mean the lowest total price.

• For example, a 10% discount on a $500 premium ($450) is still more expensive than a $425 quote with no discount.

4. Ask About Additional Multi-Policy Options

• Some insurers offer multi-car discounts (up to 48% with Farmers in 2025), which can be stacked with other policy bundles for even greater savings.

• Progressive and others let you bundle a wide range of policies, including RV, boat, and motorcycle, for more flexibility.

5. Simplify Management and Claims

• Bundling often means one point of contact, easier policy management, and sometimes a single deductible if a claim affects both policies (e.g., a storm damages your home and car).

• Access all your policies in one place and adjust coverage as your needs change.

6. Review Policy Features and Customer Service

• Consider not just price, but also coverage options, digital tools, financial strength, and customer satisfaction—especially since more of your assets will be with one company.

• Check reviews and ratings before committing to a bundle.

Typical Bundling Discounts by Provider (2025)

Key Takeaways for 2025

• Bundling is one of the largest discounts available, especially for homeowners.

• Compare total costs and coverage, not just the percentage discount.

• Review your bundle annually to ensure continued savings as rates and offerings change.

By bundling your auto policy with home, renters, or other coverage through a leading insurer and comparing the real total costs, you can maximize your car insurance savings in 2025