Shuman Roy is an entrepreneur, business owner, and musician. He started RoysNoys, LLC in 2013 as a music production and education service company. He also offers small business consulting and advisory services to help businesses get from start-up mode to turn-key operations. Shuman earned his M.B.A from the Stern School of Business in 2001 and has an undergraduate degree from Manhattan College in ...

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Content Writer & Entrepreneur Shuman Roy

Joel Ohman is the CEO of a private equity-backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Joel...

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Reviewed by Joel Ohman
Founder, CFP® Joel Ohman

UPDATED: Jun 29, 2022

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The Truth in a Nutshell

  • Erie has the lowest rates for bundling renters and auto
  • Most insurance companies offer discounts for bundling coverage
  • Customers should cancel their coverage 30 days before switching companies

Auto insurance rates are among the top 10 insurance complaints.

Bundling renters and auto will help you save, with Erie offering the lowest bundled rates. Discovering more about car insurance companies that bundle renters and auto will help you find the right company.

Before learning about car insurance companies that bundle renters and auto, enter your ZIP code to find free auto insurance rates in our area.

What are the rates from car insurance companies that bundle renters and auto?

Comparing affordable car insurance companies that bundle renters and auto will help you find the most cost-effective option.

The following chart shows the six-month rates for renters and auto bundles based on the company and the percent saved.

Average Six-Month Rates from Car Insurance Companies That Bundle Renters and Auto by Company
CompanyAverage Six-Month Rates for Renters and Auto Bundle
American Family$627
Liberty Mutual$784
State Farm$605
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As you can see, Erie has the lowest car insurance companies’ rates that bundle renters and auto.

Renters insurance is for those renting a property. If you own the property, you can save by completing a home and auto insurance bundle comparison.

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How can you obtain coverage from car insurance companies that bundle renters and auto?

Most people use separate companies for renters and auto insurance. However, most home and auto insurance companies offer discounts for bundling multiple insurance policies.

In addition to renters and auto insurance, other types of insurance bundles include:

  • Auto and homeowners
  • Motorcycle and renters
  • Auto, home, and life
  • Multi-car
  • Boat and auto

According to the the Insurance Information Institute, there are several things to consider when choosing an insurance company.

If price is the differentiating factor, you should ask how much is car insurance and how much is renters insurance?

If you determine that you’ll save with the best renters and auto insurance bundle, your first step is to move your policies to the same company, requiring you to cancel at least one plan.

Give your current company 30 days’ written notice before canceling to avoid any billing issues.

Many insurance companies allow you to set the date your coverage will expire. If possible, that date should be when your new plan begins to avoid any gaps in coverage.

That means you’ll need to start looking at quotes well before you switch companies.

While most companies allow you to bundle coverages, you might find you’re using one of the few car insurance companies that don’t bundle renters and auto.

In this case, you’ll need to find a new company that will allow you to bundle these coverages.

When looking for car insurance companies’ quotes that bundle renters and auto, make sure to compare individual quotes as well to make sure you’re getting the best price.

The following are some tips when searching for quotes:

  • Know your coverage: Examine your current coverage to ensure you’re getting quotes for the same policy.
  • Get quotes: Compare your current rates with several other companies and obtain prices for individual and bundled coverages.
  • Ask about discounts and deductibles: Ask about discounts to discover the most savings. A company might offer a single deductible when multiple insured possessions are damaged in an incident.
  • Shop annually: Rates can change over time, so compare rates every year to ensure you’re still getting the best deal.

These tips will also allow you to determine if you should bundle additional insurance policies or keep some with a different provider.

When should you bundle coverage from car insurance companies that bundle renters and auto?

Now that you know the rates and how to bundle renters and auto insurance, you need to determine if this is the right choice. The following are some of the situations in which you should consider a renters and auto insurance bundle.

Bundle Renters and Auto If You Can Save More Bundling Than With Separate Policies

In most cases, you’ll save more by bundling than you would if you were to hold separate policies. When bundling allows you to save more than the lowest individual rate, you should bundle your insurance plans.

Bundle Renters and Auto If You’d Rather Manage One Invoice For All of Your Insurance Payments

Bundling coverages allows you to manage one invoice for multiple insurance plans. You can make one single payment to cover all of your insurance policies instead of managing multiple payments.

There are multiple situations in which building coverage is the best option. However, sometimes it’s better to avoid bundling and keep individual coverage.

The following are some of the circumstances in which you should avoid bundling renters and auto insurance.

Avoid Bundling Renters and Auto If Coverage Is More Expensive

As previously mentioned, you’ll usually experience cheaper rates by bundling. However, you might find individual rates that are lower than the savings you receive by bundling.

In this case, you should hold your policy as you’ll end up paying less overall.

Avoid Bundling Renters and Auto If It Results in Less Coverage

While you might save money when bundling renter and auto insurance, you might unknowingly sign up for less coverage. This could cost you more money if you need to file a claim.

Car Insurance Companies That Bundle Renters and Auto: The Bottom Line

Bundling renters and auto insurance usually result in cheaper coverage than individual policies. When bundling, Erie provides the lowest average rates.

Understanding car insurance companies that bundle renters and auto help you find the best option.

Now that you know about the car insurance companies that bundle renters and auto, enter your ZIP code to get free auto insurance quotes in your area.