How to save on car and motorcycle insurance by bundling

You can save money on both your car and motorcycle insurance by bundling, or purchasing both policies together from the same insurance company.

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If you have a car and a motorcycle, you need insurance for both of them. Buying both policies from the same company, or bundling, can save you money, since most major car insurance companies offer bundling discounts.

Bundling your car and motorcycle insurance means purchasing each policy from the same insurance company. You’ll still get two separate car and motorcycle policies, with their own limits, deductibles, and exclusions, but bundling the policies together will save you money on your premiums.

If you’re shopping for car and motorcycle insurance together, you should still shop around and compare bundles as well as standalone policies, in case you can save more money by buying the policies separately.

Key Takeaways

  • Bundling insurance is when you purchase multiple policies through the same company.

  • Most major insurance companies offer a discount when you bundle policies.

  • Bundling your car and motorcycle policies together can help you save money on your premiums and you can gain access to both your insurance policies with a single call or log-in.

  • You should still shop around in case you can save more money by buying policies separately rather than bundling.

Can I bundle car and motorcycle insurance?

In short, yes. When you sign up for insurance, most insurance companies offer the option to insure more than one property type with them. This often means buying home and auto insurance together, but you can also bundle your car and motorcycle insurance with a single carrier.

Many companies make it easy to bundle your auto insurance with insurance for your dirt bike, golf cart, segway, ATV, or moped in addition to motorcycle insurance. You can also bundle a renters insurance policy or a home insurance policy on top of that for even more overall savings.

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Best car and motorcycle bundles

Not every insurance company offers motorcycle coverage, but you can bundle car and motorcycle insurance, as well as coverage for other property types, with the following major car insurance companies:

Acuity

Not only do you get a discount for bundling your car and motorcycle insurance with Acuity, but you can also add coverage for watercraft, snowmobiles, ATVs, and RVs which will unlock even more chances to save. Of the 700+ reviews on Trustpilot, 87% of policyowners rated the company “Great” or Excellent,” making Acuity a leading company when it comes to customer satisfaction.

→ Read our full review of Acuity

Allstate

You can get a discount by bundling two or more property insurance policies at Allstate, but you can also save by switching your motorcycle insurance to Allstate from another carrier. Allstate also offers discounts for insuring more than one motorcycle or passing a motorcycle safe driving program in the past 36 months.

→ Read our full review of Allstate

American Family

American Family offers an impressive list of discounts, including an opportunity to save when you bundle your insurance. Policyholders who bundle auto and motorcycle insurance, in particular, are also entitled to a collision deductible waiver that will excuse the less expensive deductible when your car and motorcycle are damaged in the same incident.

→ Read our full review of American Family

Amica

In addition to a discount for bundling car and motorcycle insurance, Amica also offers discounts for every additional motorcycle you insure with them. According to the company, you can also save up to 25% by insuring two or more vehicles, and an extra 30% when you combine your auto insurance with other property assets, such as homeowners insurance.

→ Read our full review of Amica

GEICO

You’re eligible for a number of discounts when you switch to GEICO insurance, including 10% off when you transfer your motorcycle insurance from another insurer, 20% off for active Motorcycle Safety Foundation instructors, and an extra 5% for bundling your car and motorcycle insurance policies with them.

→ Read our full review of GEICO

MetLife

MetLife offers coverage for motorcycles and recreational vehicles, which extends protection beyond your motorcycle to any dirt bikes, motorhomes, travel trailers, and golf carts you may own. Unlike many other property insurers, MetLife is available in all 50 states and rates are locked-in for a full 12 months when you sign up, compared to a six-month policy.

→ Read our full review of MetLife

Nationwide

Nationwide customers can add up to 12 motorcycles to their insurance policy, and earn a motorcycle insurance discount for bundling multiple vehicles. The vanishing deductible discount also subtracts $100 from your deductible for every year of safe driving, meaning after five years, you could potentially be exempt from having to pay a deductible when you file a claim.

→ Read our full review of Nationwide

Progressive

You’ll earn a discount at Progressive for bundling your car and motorcycle insurance together. You can also add small accident or large accident forgiveness to your motorcycle policy for the potential of extra savings. Small accident forgiveness means your rates won’t increase after an accident worth $500 or less, and large accident forgiveness is for drivers who’ve been with Progressive for four years or more and go three years without getting into an accident.

→ Read our full review of Progressive

Safeco

A child company of Liberty Mutual insurance, Safeco offers a host of unique discounts and a customer satisfaction experience that compares to major companies like GEICO. For remaining claim-free, you can decrease your deductible for collision coverage by $100 when it’s time to renew your policy, and safe motorcycle drivers earn $1,000 (per person, per incident) on motorcycle gear replacements at no extra cost with no deductible.

→ Read our full review of Safeco

Should I bundle car and motorcycle insurance?

If you own a car and a motorcycle, then bundling your car and motorcycle insurance is usually a great idea. You would need to insure both vehicles anyway, and insurance companies will typically make it worth your while to purchase more than one policy from them. 

1. Bundling saves you money

Many insurance companies offer multi-policy discounts when you bundle your car and motorcycle insurance with them (or any other property insurance for that matter). Customers can typically save as much as 30% on their insurance premiums for purchasing multiple policies with an insurance company, and the more assets you insure, the more you may be able to save.

In the event that both your car and motorcycle are damaged, say they are keyed and defaced overnight, you may only need to pay a single deductible when you go to file a claim rather than two separate ones, saving you money. 

2. Bundling is convenient

Bundling your car and motorcycle insurance also means you can access both your policies whenever you contact your insurance company. With access to both your policies, you can review your coverages, make payments, and file a claim all in the same place.

You’ll also never have to worry about which insurance company to call when it’s time to file a claim for your car or motorcycle, and you save yourself from having to explain your financial situation to multiple providers. If an insurance agent is already familiar with your property assets and named insureds, they can more easily recommend policies, apply discounts, and modify your coverage based on your needs.

3. You may miss out on better deals

Bundling your car and motorcycle insurance can usually save you money on your premiums, but it’s not always the best deal. Every now and then, you should shop around for better bundles or better coverage for both vehicles with separate providers. Even just switching insurance companies can help you save, but occasionally you’ll find it’s cheaper to insure your car and motorcycle with separate policies from two different companies.

How to shop for a car and motorcycle insurance bundle

Whether you’re applying for insurance online or over the phone, you’ll have the option of bundling multiple property types and getting two or more policies at once. Just like when you’re shopping for a single insurance policy, you should compare coverage and policies from multiple carriers before you decide on a bundle.

If you’re applying for both car and motorcycle insurance together, you should have all your personal information at the ready as well as information about your property, including your car and bike’s make and models and their vehicle identification numbers.

An independent insurance agent can help you decide between bundles, or choose between bundling your car and motorcycle insurance or finding exclusive carriers for each vehicle based on your financial situation and insurance needs.

Frequently Asked Questions

Is it cheaper to insure a car or a motorcycle?

It’s typically cheaper to insure a motorcycle than a car. Motorcycles cost less to replace than cars, so it would cost your insurance company less if they were totaled in an accident, one reason why a motorcycle policy that includes comprehensive and collision coverage is still less than a full coverage auto policy.

Do you have to declare motorbike accidents on car insurance?

Yes, you should notify your car insurance companies of any motorcycle accidents. Accidents, either in your car or on your motorcycle, will be listed on your motor vehicle record anyway, so future insurers will be able to see them and they’ll likely have an impact on your future rates.

How can I get cheap motorcycle insurance?

Besides bundling your policies, you can get the cheapest rates on motorcycle insurance by shopping around and comparing quotes from multiple companies, dropping any unnecessary coverage, and earning discounts.