Home And Auto Insurance: Best Companies For Peace Of Mind

Home and auto insurance bundles are a great way to save money, with some insurers advertising discounts of up to 30%. However, bundling isn't always the cheapest option. It is important to shop around for quotes with and without a bundle to make sure you are getting the best deal.

When it comes to the best home and auto insurance bundles, Amica, State Farm and USAA are some of the best options. Amica is a well-established insurer known for great customer service. State Farm is the largest property and casualty insurer by market share and offers a remarkable bundling discount of up to $1,273 annually. USAA is only available to active military, veterans and their families but offers policies at rates below the national average.

Cheapest home and auto insurance quotes

Bundling your home and auto insurance can save you money and simplify your policy management. However, bundling is not always the cheapest option. It is important to shop around and compare quotes from different companies to find the best deal. Here are some tips to help you find the cheapest home and auto insurance quotes:

Compare rates from different companies

Comparing quotes from multiple insurance providers is the best way to ensure that you are getting the best deal. Get quotes for both bundled and individual policies to see which option is cheaper. Remember to compare the same coverage types and amounts to make sure you are getting an accurate comparison.

Look for companies with good bundling discounts

Some insurance companies offer larger bundling discounts than others. For example, State Farm offers an average bundling discount of 24%, while Allstate offers a discount of up to 25%. By choosing a company with a larger discount, you can maximize your savings.

Consider the cost of individual policies

Even with a bundling discount, the total cost of a bundled policy may still be higher than the cost of individual policies from different companies. Compare the total cost of the bundled policy to the cost of separate home and auto policies from different providers to find the cheapest option.

Take advantage of other discounts

In addition to bundling discounts, many insurance companies offer a variety of other discounts that can help lower your premiums. For example, you may be eligible for a safe driver discount, loyalty discount, or low-mileage driving discount. Be sure to ask about all available discounts when getting a quote.

Choose a company with good customer satisfaction ratings

In addition to cost, it is important to consider the quality of service you will receive from your insurance company. Look for companies with high customer satisfaction ratings and low consumer complaints. This can help ensure that you have a positive experience and that your claims will be handled efficiently if you ever need to file one.

By following these tips, you can find the cheapest home and auto insurance quotes and save money on your insurance premiums. Remember to shop around and compare quotes from multiple companies to find the best deal for your needs.

Best home and auto insurance for families

Families looking to bundle their home and auto insurance should consider the following companies:

• American Family Insurance: American Family offers bundling discounts of up to 23% and has a range of coverage options and discounts for families. However, it is only available in 19 states.
• State Farm: State Farm offers a bundling discount of 23% and has low-cost auto insurance for drivers with a DUI. It also has good student discounts of up to 25% for students with a B average or higher. However, State Farm does not offer guaranteed replacement coverage for homes.
• Nationwide: Nationwide offers a bundling discount of 15% and has low-cost auto and home insurance rates. It also has a unique add-on for home insurance, such as credit card coverage and ordinance coverage. However, Nationwide is not available in Alaska, Florida, Hawaii, Louisiana, Massachusetts, New Jersey, or New Mexico.
• Erie Insurance: Erie Insurance offers bundling, accident forgiveness, gap insurance, new car replacement coverage, and vanishing deductible options. It also has low-cost car insurance rates for drivers with a DUI, speeding ticket, or accident history. However, Erie Insurance is only available in 12 states and Washington, D.C.
• USAA: USAA offers bundling and is a good option for military members, veterans, and their families, with cheap auto and home insurance rates. It also has a low level of auto and home insurance complaints. However, USAA is only available to active military, veterans, and their families.

Best home and auto insurance for seniors

As people age, their car insurance prices tend to rise. This is because older drivers often have more accidents and file more claims. However, comparing prices from different insurers can help seniors get the best car insurance at a fair cost.

State Farm

State Farm is the most affordable insurance option for seniors, priced at an average of $1,419 annually. State Farm is a trusted provider that offers great options for auto insurance, home insurance, add-ons, and bundling. With a J.D. Power Customer Satisfaction Score of 885, State Farm is also rated number one for auto insurance service in the country. State Farm has a great customer service score, a credible reputation, and a robust list of discounts and add-ons.

Allstate

Allstate is pricier than other major providers, but its long list of discounts can help bring rates down. Allstate offers some of the highest bundling discounts. If you bundle your auto and home insurance with Allstate, you'll get up to 25% off your insurance. Allstate has a great bundling discount, add-ons for auto, life, and renters insurance, an easy and simple claims process, a Safe Driving Bonus program, and accident forgiveness.

USAA

While State Farm is the most affordable option for most seniors, USAA offers even lower rates (averaging just $1,151 annually) to active military members, veterans, and military families. USAA understands the unique challenges of military members and veterans and has catered insurance plans and coverage features to fulfill those needs. As a USAA member, you get access to a long list of discounts and benefits that apply to your car insurance, home insurance, health care, travel, and more! USAA has a long list of discounts for military seniors, car storage discounts and coverage, and customizable insurance policies.

AARP from The Hartford

AARP's auto insurance plans cost about $1,520 annually on average, and you can bring that number down significantly with its long list of discounts. AARP offers unique features and add-ons, like the RecoverCare Essential program, which provides a $2,500 reimbursement for household services that you can't complete if you're injured in an accident. AARP is ranked No. 1 overall for customer satisfaction by J.D. Power, has a long list of AARP membership benefits, add-ons and coverage features designed for seniors, lifetime care repair assurance, up to a 5% bundling discount on auto insurance, and up to a 20% bundling discount on house or condo insurance.

Travelers

Travelers is a great option for older Americans looking to benefit from additional coverage and customizable insurance plans. With Travelers, you can get gap insurance, roadside assistance coverage, rental car coverage, accident forgiveness, umbrella insurance, and non-owner insurance if you don’t own the car you drive. At $1,629 annually on average, Travelers is a reasonably priced provider with several discounts to bring down your costs. Travelers has excellent add-ons, discount programs, and coverage features that allow you to mix and match your liability and full coverage plans. If you have an Affinity membership, you’ll get access to even more discounts and coverage options.

Best affordable home and auto insurance

Home and auto insurance bundles can save you a lot of money. You can get a decent multi-policy discount by purchasing both your home and auto insurance with the same company. The average discount is 14%, which is a savings of around $466 a year.

State Farm

State Farm is the best company for home and auto insurance bundles. It has the best average bundling discount (23%) among the companies we analysed, a low level of complaints for auto insurance and competitive prices. This combination makes it a good choice if you’re looking to bundle your home and auto policies.

Erie

Erie offers outstanding home and auto insurance coverage. For auto insurance, the company offers accident forgiveness, gap insurance, new car replacement coverage and vanishing deductibles. Erie’s home insurance has add-on coverage, such as extended replacement cost, guaranteed replacement cost coverage, expanded liability coverage and service line protection.

Nationwide

Nationwide has low-cost auto and home insurance rates plus a good bundling discount of 15%. It offers accident forgiveness, new car replacement and vanishing deductible options for car insurance. It also has a no banned dog list for homeowners insurance.

Auto-Owners

Auto-Owners has a low level of complaints about its auto and home insurance. These low complaint levels indicate that Auto-Owners efficiently handles issues that arise so they don’t turn into complaints. It also has competitive home and auto insurance rates.

USAA

USAA is a good option for those in the military community because of its cheap auto and home insurance rates for military members, veterans and their immediate families. USAA sells exclusively to the military community so it understands their specific needs.

Best home and auto insurance coverage

Home and auto insurance bundles can save you money and are convenient as you only have to deal with one insurance company for payments and customer service. However, it is not always the best or cheapest option.

How to Find the Best Home and Auto Insurance Coverage

To find the best home and auto insurance coverage for you, you should:

• Determine your coverage needs: Outline the type of coverage you want and how much of it you want. This will help make your shopping experience more efficient.
• Gather your information: To get quotes on insurance coverage, you will need to provide information about yourself and your property. Collecting this information beforehand will streamline the process.
• Get quotes from multiple insurers: We recommend getting quotes from at least three insurers, preferably more, for comparison. You can do this by talking to individual companies, working with an insurance broker, or using a comparison tool.
• Compare home and auto insurance quotes: When comparing quotes, consider not just the cost but also the coverage, discounts, industry standing, and customer experience.
• Ask about discounts: Once you have narrowed down your options, ask about applicable discounts, as this can further reduce your costs.

Best Home and Auto Insurance Companies

• State Farm
• American Family
• Nationwide
• Erie Insurance
• Allstate
• USAA

Frequently asked questions