How to Save on Car and Motorcycle Insurance by Bundling

How to Save on Car and Motorcycle Insurance by Bundling

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Bundling car and motorcycle insurance policies is not only convenient — it can also save you hundreds of dollars a year in insurance premiums. Combining insurance for multiple vehicles with a single company simplifies your payments, and you could get a multipolicy discount of 5% or more.

Choosing the best auto and motorcycle bundle for you will depend on the coverages you want, as only some insurers offer specialized motorcycle coverages like lay-up insurance.

Best car and motorcycle insurance bundles

Each bundle will differ based on the policyholder's driving history, location, age and chosen coverage. While price is important, you'll also want to consider whether an insurance company offers services that interest you, which may include features such as lay-up insurance, roadside assistance and custom parts coverage.

We advise that auto and motorcycle insurance shoppers compare several quotes to find the coverage they want at the lowest rates. That being said, we have listed some of our favorite car and bike insurance companies that typically offer good coverage as well as competitive rates for bundled policies.

Allstate auto and motorcycle insurance bundle

Highlights:

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Allstate offers the best bundling discount we found: 10% off your auto insurance for combining policies. Furthermore, if you switch your motorcycle insurance from an Allstate competitor, you can earn an additional discount. Allstate includes seasonal considerations in year-round pricing, adjusting in places where you can't ride in the winter. Customers who value a personal touch can access in-person assistance from Allstate's local agents.

Geico Auto and Motorcycle Insurance Bundle

Highlights:

  • Competitive rates
  • Discount of 5% for bundling car and motorcycle insurance
  • Full Geico review
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For cheap car and motorcycle insurance bundles, Geico is a great choice. Across both car and bike insurance, Geico consistently offers some of the lowest rates around. In addition to its low base rates, Geico gives riders a 5% discount on their motorcycle insurance for bundling with a car insurance policy, as well as a 10% discount for switching motorcycle insurance companies and 10% for being an older rider.

Progressive Auto and Motorcycle Insurance Bundle

Highlights:

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Progressive is our top option for daily motorcycle riders and has a range of options for car insurance. It does not offer set discounts for bundling auto and motorcycle insurance. Instead, it offers multipolicy discounts, which vary based on your profile and coverage. The company offers some excellent motorcycle coverages at no additional charge, such as full replacement cost coverage. That means your bike will be restored to preaccident condition with no loss of value for depreciation.

Liberty Mutual Auto and Motorcycle Insurance Bundle

Highlights:

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Liberty Mutual offers what it calls "customized insurance" for motorcycles, and quotes have to be done over the phone. Bundling will save you money, but the company did not specify a maximum discount. One feature Liberty Mutual offers is an experienced rider discount, which lowers your premium if you've had your license for more than three years.

Nationwide Auto and Motorcycle Insurance Bundle

Highlights:

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Nationwide will provide a discount on motorcycle insurance if bundled with an auto policy, but that discount will not apply to the auto price. The company does offer several other discount options, including lower premiums for bikes with theft recovery devices and anti-lock brakes. Be aware that Nationwide tends to have higher rates as the company ranked 10th out of 12 large companies in our analysis of the cheapest car insurance companies.

Should you bundle your car and motorcycle insurance?

If bundling your car and motorcycle insurance can save you money on your monthly premiums, then you should consider this option. However, you should not sacrifice coverage for the sake of price. For example, if your policy provides a specialized type of coverage — such as Markel's motorcycle trailer coverage — we wouldn't recommend switching companies, so long as you can afford to keep your coverage.

One of the less obvious advantages to bundling car and motorcycle insurance is convenience. You will have to pay only one bill for both policies, and all of your insurance information can be reviewed in the same place. Furthermore, your insurer may be less likely to drop you if, for example, you have a series of accidents in quick succession, as it risks losing two policies instead of just one.

How to bundle car and motorcycle insurance

The first things to consider when bundling policies are your car and motorcycle insurance needs, and then you should take a few more steps:

  1. Assess your needs
  2. Gather your information and collect quotes
  3. Compare quotes and consider features

Step 1: Assess your needs

Determining how much coverage you need will depend on a variety of factors, including your driving and riding habits, where you live and the type of bike and car you own.

One factor to consider — in regard to motorcycle insurance — is whether an insurer offers lay-up insurance.

This type of policy puts most of your coverage on hold for a period of time, but you still maintain comprehensive coverage. Lay-up coverage can help riders save on insurance costs during the winter, when riding may be dangerous or impossible. Some motorcycle coverage also factors in reduced usage because of weather.

Beyond that, check for any unusual coverages companies offer, either for your bike or for your car. This can start with your current insurance company or companies.

Step 2: Gather your information and collect quotes

You might be tempted to simply bundle with a current insurer and take whatever discounts are offered. To get the best rates, however, you should at least look at multiple options.

You can collect pertinent information on both your car and motorcycle to get started, and then get quotes online or over the phone. Some companies require you to go through an agent.

Keep this in mind before you sign up for your new bundled policy: You can switch insurers in the middle of a policy term, but you may incur cancellation fees. Also, canceling your insurance before acquiring a new policy could lead to a lapse in coverage. This can cause an increase in future insurance rates that could potentially wipe out the money you would save through bundling.

Step 3: Compare quotes and consider features

Price will always be a key consideration once you have quotes — after all, that's probably why you're bundling in the first place. But it is also important to take into account features that might be helpful to you.

If a company will cover some of your equipment or your helmet, that could be a factor to consider. Some insurers offer coverage for custom equipment as well.

Once you've settled on the balance of price and optional coverages, you can go ahead and purchase your bundle.

Editorial Note: The content of this article is based on the author’s opinions and recommendations alone. It has not been previewed, commissioned or otherwise endorsed by any of our network partners.