You have insurance for your home, auto insurance for your vehicle, and an umbrella policy. That’s three different sets of deductibles, limits, and premiums. Bundling is a great way to simplify all of that into a single easy-to-manage policy while also saving you money every month on your auto insurance or homeowners insurance.

Post - Bundling Your Home, Auto and Life Insurance Saves You Money

Benefits of Bundling Your Insurance Policies

The biggest reason to bundle your insurance policies is that you can save money on your monthly premium, which may allow you to get better coverage than you could otherwise afford. However, there are other reasons that bundling makes sense. For example, rather than having to keep track of several insurance bills every month, each with their own due date, you have just one bill that covers everything.

One Insurance Deductible

Perhaps the most important reason to bundle your insurance policies is the money you could save on your deductibles if there is a natural disaster. If a strong storm hits Las Vegas, Nevada and your home is damaged from wind, hail, or lightning, you’ll pay a deductible when you file a homeowner’s insurance claim to get the damage repaired and an auto insurance deductible to take care of any damage done to your vehicle. However, if you have your homeowner’s insurance and your auto insurance bundled, one deductible takes care of everything.

Things to Consider Before Bundling Your Insurance

For most people, bundling their insurance policies is a no-brainer. Even so, there are a few reasons that it may not work out in your favor. For example, bundling could make you ineligible for certain discounts that you would otherwise qualify for. It’s also worth noting that not all insurance policies can be bundled. Additionally, the discounts that you received for bundling insurance can drop off over time, leaving you paying a standard rate.

Get a Fast & Free Online Quote

Farmers Insurance ad - Auto Insurance Agency in North Las Vegas, Nevada

Before Unbundling Your Insurance, Do the Math

In most cases, bundling your policies saves you money. However, that doesn’t necessarily mean that you’re getting the best rate for your coverage. Even with a multi-policy discount, you may still be overpaying. It’s a good idea to shop around occasionally to make sure that you’re getting the best deal.

This is easier said than done. Not only do you have to consider whether your premium would be better with a new insurance company, but you have to look at how unbundling your policies will affect everything across the board. For example, say that you have your auto insurance and homeowner’s insurance bundled. The cost for your auto insurance is going up, so you comparison shop and find another company that will offer you the same coverage for $30 less per month. Before you unbundle your policies, determine whether losing the multi-policy discount will offset any savings you’d get by switching one policy to another insurer.

Our auto insurance agents are here to help you get the best coverage for your budget. We can help you look at your needs, current coverage, and other insurance policies to determine whether bundling is right for you. Give us a call today to get started. 

DISCLAIMER:  Each insurance company may handle discounts and bundling differently. It’s important to speak with your agent on how your insurance company works on bundling and discounts.

Read More: Auto Insurance in Las Vegas, Nevada

Call us for assistance

(702) 898-0554

Serving Las Vegas, Henderson, North Las Vegas and the entire state of Nevada

Three  Ways to Enroll

1).  Apply by Phone

(702) 898-0554

2).  Apply in Person

4260 W. Craig Road #150-A
North Las Vegas, NV 89032

3).  Online Insurance Quote

Path Image - Insurance is confusing

Search This Website

Enter a search term here

Generic filters
Exact matches only
Search in title
Search in content

Why Go Anywhere Else?

When you can have an experienced and caring professional guide you.

Insurance Quotes | Plans | Coverage
Nevada Insurance Enrollment small logo - Insurance Agency in Las Vegas, Nevada
Read why it’s smart to use an insurance agent