If you’re renting a home and driving a car, there’s a smart way to save money and simplify your insurance coverage: bundling. Combining your auto and renters insurance under one provider can cut costs, reduce paperwork, and unlock extra perks. But is it the right move for you? Let’s walk through what an auto and renters insurance bundle actually means, how it works, and what to consider before you make the switch.

What Does It Mean to Bundle Auto and Renters Insurance?

Bundling your renters and auto insurance means buying both policies from the same insurance company. Most insurers offer discounts when you combine coverages this way. Sometimes up to 25% or more, depending on your location and provider.

Why Insurance Companies Offer Bundling Discounts

Insurance companies want more of your business. When you bundle renters and auto insurance, you become a higher-value customer, and they’re often willing to reward that with lower rates.

It’s a win-win: they retain you longer, and you save money on auto insurance and your renters policy.

Is It One Policy or Two?

Bundling doesn’t combine coverages into a single policy. Instead, you’ll hold two separate policies (auto and renters), but they’re grouped under the same provider.

You’ll typically receive one bill and one renewal date—making things a lot easier to manage.

Is It Better to Bundle Auto and Renters Insurance?

In many cases, yes. However, bundling isn’t automatically the best choice for everyone. Let’s break down when bundling renters insurance and an auto policy works, and when it might not.

The Pros of Bundling

• Discounts on both policies
• One bill, one account, fewer headaches
• Easier to file claims if both policies are affected
• More leverage for loyalty perks or better customer service

The Potential Cons

• You might find cheaper standalone policies
• Limited provider choices
• Harder to switch later if your needs change

Who Should Definitely Consider a Renters and Auto Insurance Bundle?

Using a bundle for auto and renters insurance tends to work best for:

• Renters with clean driving records
• Young professionals managing budgets
• People who want to keep things simple

How to Bundle Auto and Renters Insurance for the Best Savings

If bundling renters and auto insurance sounds like a good fit, don’t just take the first offer you see. A little preparation can lead to better long-term savings.

Compare Quotes From Multiple Providers

Not all bundle discounts are the same. Start with 2 to 3 top-rated insurers and compare how their bundle savings stack up.

When taking on an auto and renters insurance bundle comparison, look at the full picture, not just cost, but coverage, deductibles, and service too.

Ask the Right Questions

Before signing on the dotted line for auto and renters insurance bundles, ask:

• What is the discount amount?
• Does it stay if I file a claim?
• What if I move or sell my car?

These questions help avoid surprises down the road.

Don’t Forget About Service

Price matters, but so does service. Look for insurers with strong reputations, accessible agents, and fast claims handling.

Do All Insurance Companies Offer Renters and Auto Bundles?

Not every provider offers both types of coverage or bundling discounts in every state. If you live in Texas, Colorado, Missouri, or Tennessee, we can help you find insurers that bundle well and treat customers right.

Is an Auto and Renters Insurance Bundle Right for You?

Bundling your auto and renters insurance can be a smart move for both savings and simplicity. Just be sure to compare quotes, understand your coverage, and choose a provider you trust.

Want to see how much you could save on an auto and renters insurance bundle? Grab a free auto insurance quote, or contact us at the number above, to compare top-rated bundles near you.

Sources:

TDI. July 2025.