Do you have more than one car in your family and need to know the best strategy for saving money on insurance? Most carriers will allow up to four vehicles on a single policy for a bundled discount. For the most part, it’s usually cheaper to bundle them on the same policy instead of having every driver in the household have a separate policy. There are a few different strategies you can try when trying to figure out the best deal when searching for multi car insurance quotes.
One thing to consider is the age of the home. It’s no secret that teenagers and college-age drivers are charged a lot more for insurance coverage. Find out if it’d be cheaper to have a separate policy for your teenager and another one for you and your spouse, or if it would be a better option to add your child on your own policy. Ask your current carrier about the options, or do research on other insurance providers to find out exactly what they offer.
Another thing to keep in mind that additional discounts are provided for young drivers who take an approved safe driving educational courses. Sometimes adult drivers can get a discount as well for taking a safety driving class. Encourage your child and/or spouse to look into these kinds of classes.
Multi Car Insurance Quotes By Vehicle Type
The type of vehicles you have will play a role in whether you’ll be able to get multi car insurance quotes. If you have two entirely different vehicles, the coverage requirements and needs for each will be very different as well. If you have a pretty standard model 4-door car that isn’t particularly flashy, as well as a classic car that you really like to show off, it the same carrier might not offer the same features you’d like to have for both cars.
Don’t think that just because you might not drive one of the vehicle as much as the other one that you can forego coverage for that particular one. It’s not worth the chance – no matter how small – that you might get into an accident during one of the rare occasions when driving that barely-used car. This kind of scenario will really result in you having to pay a lot more money in the long run and will ruin your driving record and lead to much higher payments, as well as possible lawsuits.
There are many other factors that determine the best strategy when searching for multi car insurance quotes. Get started with your research at esurance, where there are some really great deals on multi-car policies, as well as car + home insurance discounts.