Best Auto and Home Insurance Bundles of 2023

For decades, State Farm has been a leading provider of home insurance. With coverage for all building types, State Farm claims that combining home and auto policies could save you up to $1,127, or $722 when you bundle auto with low-cost renters insurance.¹

Drive Safe & Save

Your smartphone has an app for everything, so why not use it to save money on auto insurance? State Farm’s Drive Safe & Save app lets you get an insurance discount of up to 30 percent with safe driving behavior. The app uses Bluetooth and location services to record your driving information and determine your discount.

The app will give you feedback on the following:

• Rapid acceleration
• Hard braking
• Fast cornering
• Speeding
• Distracted driving

Earn the biggest discount by avoiding driving with decreased visibility, fatigue, excessive speeds, and hard stops.

Nationwide Coverage

As the nation’s largest property and casualty insurer, State Farm writes policies in all 50 states and Washington, D.C. Offering an unmatched local market presence, State Farm’s 19,000 exclusive agents can help you find the best coverage for your home and auto needs. With a large customer base, State Farm has more capital and available funds to offer discounts and pay claims.

Condo Owners Insurance

With all-inclusive options to protect condo units, State Farm offers protection against weather and non-weather damage when you bundle condo and auto coverage. Get protected from sleet, wind, lightning, theft, vandalism, and fire. Knowing the value of your belongings like electronics, jewelry, clothes, and furniture will help you decide how much coverage you need in your bundle. A State Farm agent can help you determine the value of your unit and understand the replacement cost of your personal property.

If you qualify for both condo and auto policies, you can get condo owners coverage often for just a few dollars more per month.

Formerly known as Direct General, Direct Auto has a history of insuring drivers with a spotty insurance history. This non-standard insurer is a great contender for renters who have trouble qualifying for bundled insurance because of rating factors like a poor driving record or bad credit.

Customizable Payments

To make protection more affordable, Direct Auto allows you to customize your payment options to match your budget. You can speak with a representative online, in person, or over the phone to customize your payment plan. Your representative will guide you through each step toward the right renter’s policy so you are covered at a price that works for your budget.

With this small, regional provider, you can do the following:

• Choose your payment date. Pick the best day to make your insurance payment based on your personal financial schedule.
• Plan your payment schedule. According to your spending ability, you can pay in full or choose from multiple installment plans.
• Decide on your monthly payment. Choose how much money you want to put down and, in turn, determine your monthly payment.
• Decide how you want to pay. You can pay with cash at a Direct Auto or partner location, make a one-time or auto payment online via credit or debit card, or pay online by e-check.

Massive Discounts

Direct Auto offers massive savings on insurance bundles for people renting homes, townhouses, and condominiums. If you switch to Direct Auto after being with another car insurance company for at least six months and have not had more than 90 days of a lapse in previous coverage, you could save 25 percent.²

These are some other discounts available from Direct Auto:

24/7 Claims Reporting

With 10,000 employees and coverage in 12 states, Direct Auto keeps rates low and claims processing quick by prioritizing local connections. In the event that you need to file a claim for your home or car, you can report the claim anytime online or over the phone. Get help by calling 1-800-403-1077 or chatting online with a virtual assistant. You can check the status of your claim at any time using the same sources.

Liberty Mutual has you covered if you own your home and want customization options at affordable rates. Whether a vandal breaks your windows or a natural disaster damages your roof, a Liberty Mutual homeowners policy will protect you and your home from unforeseen incidents with its standard and additional coverage options.³

Extensive Discounts

Homeowners bundling with Liberty Mutual have access to plenty of discounts relating to customer loyalty, safety features, payment methods, and multi-policy coverage.

• If you have more than one policy, multi-policy coverage will lower your premiums.
• If you have not filed a claim for at least five years with your previous provider or three years with Liberty Mutual, you’ll receive a discount.
• You’ll get a discount for enrolling in automatic payments and going paperless.
• You’ll receive a 5 percent discount when you buy a policy online.

Partner Programs

Liberty Mutual has strong affinity partnerships with over 15,000 partner companies and organizations, such as the Autism Society of America and the Navy Federal Credit Union. With over 40 years of experience building affinity partnerships, it’s no wonder that 96 percent of affinity policyholders say they are satisfied with Liberty Mutual’s program.

Homeowners receiving insurance through one of Liberty Mutual’s partner organizations can see the following:

• Lower annual premiums
• Expert program support from specially trained representatives
• Convenient payment options, like electronic funds transfer, recurring credit card, and payroll deduction

Competitive Rates

Homeowners pay the least when it comes to bundling home and auto insurance because insurers view them as more financially responsible and less likely to file claims than renters. Liberty Mutual keeps homeowners insurance rates low by offering standard coverage for personal property, displacement costs, and weather damage. By offering highly customizable bundling options for homeowners, Liberty Mutual will tailor your policy so you pay only for what you need.

While the United Services Automobile Association (USAA) offers a lower bundling discount than most insurers, its rates are well below the average. From minimum to full coverage, USAA provides all the standard condo policy options for military members at cheap prices.

Catering to Military Clientele

USAA writes policies only for members of the U.S. military, veterans, and qualifying family members. If you are eligible, you can save an average of $725 on your annual premium by switching to USAA.⁴ Since USAA caters to this niche market, it can provide support for unique circumstances like living on a military base or storing a car while deployed. Plus, this organization offers plenty of perks for active service members, such as waiving deductibles on uniform costs.

Great Customer Service

With over 13 million members worldwide, USAA has high marks for claims satisfaction as well as low complaint rates. The organization has a rating of 893 out of 1,000 from J.D. Power for outstanding customer satisfaction, although it is not eligible to be officially ranked due to its membership requirement.⁵

On USAA’s contact page, you’ll find phone numbers based on the type of question you have, such as those about mortgages, discounts, and auto insurance. These phone numbers operate during business hours; for 24/7 response on domestic and international insurance inquiries, contact USAA’s virtual agent on its website.

Extremely Low Rates

Although USAA has strict eligibility requirements, it offers rates that are well below average for almost every driver profile. Average members save $725 per year when they switch to USAA auto insurance. You may save even more by taking advantage of discounts for being claims-free, driving safely, and bundling home and auto.

When you and your traveling companions cruise the country, you’ll want to plan for unexpected mishaps. Allstate offers plenty of discounts for motorhome owners looking for full coverage policies. If you’re looking for a nationwide insurer committed to providing highly specialized coverage options for your RV, Allstate is the choice for you.

Strong Financial Stability

For the last five years, Allstate has received an A+ (superior) rating from AM Best. With a century of business experience and a widespread coverage network, Allstate has a history of meeting customers’ home and auto insurance needs. A superior rating from AM Best affirms Allstate’s ability to process and pay out claims quickly. Having a reputation for strong financial stability is an important aspect to consider when you are trying to decide on the best provider for your motorhome needs.

Variety of Add-on Coverages

While standard motorhome insurance requires liability insurance, optional coverages will ensure you are protected in the event of an accident. Allstate is unique when it comes to additional coverage for drivers and their motorhomes. Along with standard add-ons like anti-theft device coverage, the green improvement reimbursement will give you money back when you replace damaged items, like windows and appliances, with more energy-efficient ones.

Quick Customer Service

For all your auto and home insurance needs, Allstate provides nationwide coverage from committed local agents. For questions about replacement costs and discounts, one of Allstate’s 12,000 agents can answer your questions quickly. With a 24/7 website and phone access, Allstate wants to make the buying experience as easy as possible.