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If you have a car and a regularly driven motorcycle, your state likely requires insurance policies for both to cover your activities.

It is possible to save money when bundling your motorcycle insurance with an auto policy. Some insurers let you reduce the cost of coverage if you purchase independent policies but work with the same company for your needs.

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Is It Possible to Bundle Motorcycle and Auto Insurance?

Most insurance companies allow you to bundle policies for motorcycles and other vehicles into a single product. Depending on the insurer, you can include home or renter’s insurance into an all-in-one solution that covers everything.

Additional options might include ATVs, boats, and RVs for bundling with your motorcycle insurance for more savings opportunities.

Bundling typically comes with a discount. When you purchase multiple policies from the same insurer, you can receive an average of 10% off both options.

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GEICO offers a 5% discount when you combine a car and motorcycle from them or 10% when you insure multiple motorcycles.

What Are the Benefits of Bundling Car and Motorcycle Insurance?

Outside of the potential discounts bundling offers, you can find additional benefits to consider when you want to save on motorcycle insurance. These advantages don’t apply in every situation, but they are an integral part of the overall process with most agencies.

1. It Is a Convenient Option

When you use the same insurance company for all your policies, you can pay for everything at once. You can often access all the information through a single login. Suppose you encounter an issue where a car and a motorcycle are damaged in the same incident. In that case, some insurers allow you to pay a single deductible for your claim instead of filing separate ones.

2. Saves Time

You don’t need to track multiple renewal dates and other administrative requirements when bundling car and motorcycle insurance. The paperwork comes together, saving a lot of time when trying to manage everything.

3. Personalized Services

After submitting your information, a representative from your preferred insurance agency will work with you to create a customized bundled policy. Getting to know you and your needs makes it much easier to ensure you’re adequately protected if something unforeseen happens to your car or motorcycle.

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Are There Any Problems with Bundling Car and Motorcycle Insurance?

Most insurers allow you to save money when bundling your policies, but that is not always the case. Some bundles cost more than purchasing individual coverage options.

It often helps to shop around for the best rates and coverage options for your motorcycle and all other vehicles. Sometimes it is cheaper to work with a different company, even if you have an established long-term relationship with your current one.

When requesting quotes, getting an auto policy from one provider and motorcycle insurance from another is cheaper.

Relevant: Read out the differences when it comes to car and motorcycle insurance.

Bundling is often a great option, but it isn’t the only way to insure a car and a motorcycle. Carefully weigh all your choices to ensure you’re getting the best rates.

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Mike Navarette has more than a decade of experience in the auto insurance industry, but that's not his true passion. He loves getting on a motorcycle to explore roads he's never traveled. You'll find Mike in the garage working on something when he isn't helping clients or leaning into curves. It's sometimes a side hustle, more often a favor, but it keeps his hands busy doing something productive. Since the first time his father strapped on his helmet and took him for a ride, Mike has loved bikes. That passion, along with a desire to help others through a deep understanding of insurance policies, led to the creation of Motorcycle Ride Coverage.

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