When Combining Policies Makes Sense.
To nab an even steeper discount, consider combining your car and your beloved's in a single policy. This makes the most sense if you both have spotless driving records and no recent gaps in insurance coverage.
Remember, too, that in addition to lower rates, having two cars on the same policy can often earn you multi-car discounts from insurers. Moreover, even if your household only has one vehicle, you can still earn discounts for sharing a policy.
Even if a family only has one car, we would still recommend a single policy that would cover both drivers, since it ensures that both drivers are insured without incurring the extra cost of a second policy.
Finally, combining your auto insurance policy with existing homeowners' or renters' policies from the same company could lead to even greater discounts overall.