Combining Auto and Home

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Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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UPDATED: May 22, 2012

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Insurance Question from Cranston, RI

Asked on 05/22/2012

Combining Auto and Home Is it always chipper to have both policies with one company.My quote - Home with Metlife and Cars with Travelers is lot chipper if i buy it like that than both from Metlife. Any ideas, advice?Thank you very much for your help,KS

Answer given on May 29, 2012

Many insurance companies offer discounts if they write the home and auto insurance together. They feel they have a better chance of keeping your insurance with them over a longer period of time if they write the package of both policies. It is also less expensive for them to maintain an account with multiple policies and gives them a base for future sales of other insurance such as life insurance or banking if the company offers those products. The discount for grouping the insurance can be as much as 20% or more.It is also simpler for you the policyholder. You only have one insurance company to remember and can set up payments automatically to pay the premiums. You can also have one insurance agent to handle your needs and you can develop a relationship with them so they understand your situation and future needs. Also, you can visit your agent when they are local and meet with them.

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