How to Get the Best Price on Car & House Insurance

Multiple policy discounts are available with car and house insurance.
Multiple policy discounts are available with car and house insurance. (Image: Rob Melnychuk/Stockbyte/Getty Images)

Auto and home insurance rates vary for each locality. Regional weather conditions effect house insurance, and factors like population and frequency of accidents figure into local auto insurance rates. The best rates are found by checking with several companies that cover both homes and cars for cheap insurance quotes. The company with the cheapest car insurance may have high homeowner's rates. Taking the time to shop and compare car insurance and homeowner's coverage is the key to finding good prices.

Check with several companies that underwrite both home and auto insurance (see the Resources section for links). Ask for quotes by phone or through online tools to compare car insurance and homeowner's insurance rates.

Ask your employer or college if they are part of a group with any auto and home insurance companies. Group discounts often give the best rates regardless of other companies' discounts.

Choose high-deductible rates for cheap insurance quotes. The deductible is the amount you pay for claims out-of-pocket before the insurance begins to pay for losses. The more you are willing to pay in deductibles, the less you have to pay in premiums.

Call insurance providers to ask about multiple policy discounts. Most insurance companies will discount the cost of both policies for customers who buy car and house insurance.

Inquire about any discount that may lower your premium cost. Homeowner rates are lowered by security systems, lighting, fire resistant construction and up-to-date plumbing and electrical equipment. A good driving record, anti-lock brakes, airbags and alarm systems help you get the cheapest car insurance rates.

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