Everybody thinks they pay too much for insurance and that includes you. So, isn’t there some way to cut that cost? Well, there actually is.
When you have more than one policy with the same insurer, that’s called “bundling.” An insurance bundle usually combines your auto, renters, homeowners, boat, motorcycle or whatever policy into one.
So why would you bundle auto insurance with homeowners or renters insurance? The answer is that you can save on auto protection and your other policies, too.
Well, buckle up (no pun intended) as we dive into why bundling your auto with other types of coverage is the best decision since … well, the invention of waterproof jackets! (Ha. Ha. Ha.)
First things first: What exactly is bundling? It’s pretty simple. Bundling is when you combine multiple policies like auto and homeowners into one “package” with the same insurer.
In Washington State, insurance prices tend to go up with time. At the moment, you also need to have at least minimum auto coverage or face a fine of over $550, according to the Washington State Department of Licensing.
So, you need to save some money on your premiums. Think of it like a combo meal at your favorite Seattle coffee shop. You get your latte, a scone, and maybe even a drizzle of organic honey, all for less than if you bought each item separately.
Bundling works the same way.
When you bundle auto insurance, you save on auto insurance. That sounds a little silly. But basically, if you combine multiple policies under one company, you’re gonna get a benefit for that from your insurer. Here’s the scoop.
Does bundling insurance save money? The short answer is yes, absolutely. When you bundle a home and auto policy (or renters, if you’re not quite ready to buy that cozy Craftsman in Ballard), insurers reward you with a discount.
How much you save can vary, but it’s often significant enough to make you wonder why you didn’t bundle sooner — especially if you own multiple vehicles.
For example, many insurers in Washington offer savings of up to 25% on your premiums when you bundle auto with home.
Imagine knocking a quarter off your bill each month — what could you do with that extra cash?
Finally buy that new gear for your weekend hikes in the Cascades? Treat yourself to an extra-large order of Dungeness crab? It all starts with a simple decision to bundle!
Life in the Pacific Northwest is busy enough without having to juggle multiple insurance bills. It’s obvious that the last thing you need is to remember the different due dates for each policy. That’s where bundling can help.
With an insurance bundle, you don’t have to keep track of all the details. That means:
Need to make a claim? Just make one phone call. Think of it as “Marie Kondo-ing” your protection.
Hey, did you know companies actually appreciate loyalty? Shocking, right? Turns out bundling your insurance isn’t just about saving a few bucks upfront. Stick around long enough and you might also score some sweet perks.
Think reduced deductibles, accident forgiveness, or even free roadside assistance just for being a long-term bundler. And guess what? Your agent might even have the magic touch to throw in a little extra something for their favorite clients.
Now, you might be thinking, “This all sounds great, but is bundling really that straightforward?” Let’s tackle some common myths that might be holding you back.
Myth #1: Bundling means sacrificing coverage.
Reality: Insurers don’t short you on protection just because you combine your policies. Bundling can sometimes enhance your coverage. You’re more likely to get policies that fit your specific needs, which means you have more protection, whether you’re cruising down I-5 or enjoying a weekend in the San Juan islands. Not too shabby!
Myth #2: All bundles are the same.
Reality: Bundling isn’t a one-size-fits-all deal. Maybe for you, it makes sense to combine your renters and auto coverage. For someone else, it might make more sense to combine their auto with a homeowners policy.
Or maybe you own a business. Or you need an umbrella policy. Whatever the case, not every bundle comes standard. So make sure to talk to your agent about it!
Myth #3: Switching to a bundle is a hassle.
Reality: Nah, not really. You just need to clear it up with your agent. After all, they’re incentivized to bring everything under one roof. They can also swing some crazy car insurance discounts for you!
So, you’re sold on the idea of bundling, but how do you know if it’s right for you? Start by taking stock of your current policies. Do you have auto coverage with one company and home protection with another? Are you paying separate bills each month? If the answer is yes, give it a think.
A good agent can also help you decide if this makes any sense for you!
Ready to take the plunge? Visit our website to learn more about how bundling can benefit you. From auto to homeowners and renters policies, we’ve got the expertise to help you save and simplify your life. Don’t wait — start your journey to bundle bliss today! Give us a call at (800) 455-8276, request a quote online, or visit one of our PNW locations today to get going.
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