Where’s my Multi-policy Auto Insurance Discount?

Q: I have a home insurance policy and a car insurance policy, both with the same agency. Why am I not getting an auto insurance discount for having multiple policies?

A: There could be two reasons you are not getting a car insurance discount for having multiple policies in this case. First, your insurance agent may have you insured with two different insurance companies.  You can’t get an auto insurance discount if your policies are with two different companies, even if they  are both with the same agency. Call your agent or look at your declaration pages for your two policies and see who each policy is insured with. If they are different contact your agent to see if they can get you a quote to move your auto insurance to the company that has your homeowners insurance or vice versa.

Second, your two policies may be with the same company but there is a reason you don’t qualify for the discount. You may be in a high-risk market that would prevent you from qualifying for a car insurance discount or your two policies are in two different states or they are under two different names.

If you feel that you qualify for a car insurance discount for having multiple policies, contact your agent for a policy review.