Not always. In most cases a bundle gives you the most competitive rates, but claims on your home or auto can change that. When there is a claim history, one of our agents reviews your policies to confirm whether bundling or separate policies will cost you less.
Not always. In most cases a bundle gives you the most competitive rates, but claims on your home or auto can change that. When there is a claim history, one of our agents reviews your policies to confirm whether bundling or separate policies will cost you less.
Each carrier rates your home and auto using its own rules. If you have had claims, one carrier might price the pair higher than two different carriers would price each policy separately. A bundle discount cannot make up for a base rate that is too high.
Ask for the bundled price and for separate quotes on each policy, with the same coverage and deductibles. Compare the total cost first, then weigh what you would give up by splitting, such as one renewal date and one company to call.
Hicks Insurance runs both comparisons for you and explains why one option costs less. Request a quote to see both side by side.
Give us a call today and we can help.
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