Laura Berry is a former State Farm insurance producer and insurance expert.

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products, including home, life, auto, and commercial, and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, mainly in the insuranc...

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Reviewed by Leslie Kasperowicz
Farmers Insurance CSR 4 Years

UPDATED: Oct 19, 2021

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Important facts to know...

  • All of your vehicles must be legally insured per the laws of your state
  • You may be able to save money by purchasing a joint insurance policy for two cars
  • There are many discounts available that could help you to save even more money on car insurance

There are many types of car insurance available that each provides you with different benefits.

For example, liability coverage will pay other people for their expenses up to the coverage limits if you cause an accident. Collision insurance will pay for your own expenses for vehicle repairs if you are involved in a car accident.

These are only a few of the many types of coverage available for your vehicles.

If you own multiple cars, it makes sense to bundle the vehicles together into a joint policy.

Joint car insurance or multi-car insurance covers several vehicles under one policy with a single company. There is a discount for each car you add, while with some providers you can get other optional extras that apply to all drivers and cars on the policy.

Multi-car policies cover all the cars in a single household, although some cover immediate family members who live elsewhere. Insuring all drivers and cars under one multi-car policy makes it easier to manage paperwork and any auto insurance claim.

With a closer look at why and how to do this, you may be able to get the coverage you need for both vehicles at an awesome price.

Looking to cover two vehicles? Enter your ZIP code above and compare at least three to four auto insurance policies today!

Why do you need to buy car insurance?

In all states, drivers are legally required to take financial responsibility if they cause damage while driving. Any damage includes property damage, vehicle damage, medical expenses, and more.

Many states require you to purchase a minimum level of liability coverage to ensure that you can afford to comply with financial responsibilities laws.

Many states also actively compare their list of drivers against an insurance database. By doing so, they can determine which drivers are uninsured.

The penalties for not being insured properly per your state’s law can be significant, and in some cases, these penalties can result in the loss of your driver’s license.

With this in mind, naturally, you need to purchase at least the minimum level of car insurance that your state requires.

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What are the benefits of buying car insurance for two vehicles?

If you have two vehicles, it makes sense to insure them under the same auto insurance policy. Putting them under the same policy will simplify your bill payments each month, because you only have one premium to pay.

More than that, you may qualify for a multi-vehicle discount on your car insurance policy. In other words, it may be more affordable for you to buy a joint policy than to insure the vehicles under separate auto insurance policies.

Each driver listed on the policy will keep their no-claims bonus, meaning that it will not be affected if someone else makes a claim. Some policies even cover cars at a different address which helps if you have children at university.

What are other ways to save money on joint car insurance?

There are many ways for drivers to save money on car insurance. For example, you may qualify for several insurance discounts through your insurance company.

Some of the more common discounts that you may find through some providers are:

  • A safe driver discount
  • A discount for bundling your home and life policies with your auto insurance
  • A low mileage discount
  • A student or senior discount
  • A discount for having safety equipment or an alarm in your vehicle

Some of these discounts may apply to one of your vehicles. Others may be put towards the auto insurance premium for both vehicles for maximum insurance savings.

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How can you buy car insurance for two vehicles?

Buying car insurance for two cars sounds like it would be complicated, but the process is actually easier and faster than if you were to buy separate car insurance policies.

By following a few steps, you can identify the best coverage to buy and can bind the insurance to start to enjoy the full coverage you need.

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Find an Insurer

The first step to take when you want to buy insurance for two cars is to find the right insurer. Typically, you will want to obtain quotes from three or four providers, so look on the A.M. Best website to create a list of the top providers based on their financial strength.

A.M. Best is a reputable source that provides accurate information, and the website is easy to search through to find the information you seek.

You also need to find a few insurers that have an exceptional customer satisfaction rating. A good customer rating may come from having a hassle-free claims process, excellent customer service, and more.

The best way to learn more about how satisfied customers of specific providers are is to read online consumer reviews.

Choose Your Auto Insurance Coverage

After you have your list of providers in hand, you need to determine what type of coverage you want to purchase and how high your limits will be.

Requesting quotes for the same types and amounts of coverage makes it easier to find the lowest rate possible.

Some of the more common coverage types available for your vehicles include:

  • Liability
  • Collision
  • Comprehensive
  • Personal injury
  • Personal property
  • Towing service
  • Rental car reimbursement

Choose your limits for each coverage type you desire carefully. While all drivers should comply with their state’s minimum coverage requirements, many drivers would benefit from purchasing more than the minimum amount required liability coverage.

Bear in mind that any expenses that exceed your coverage limits are your responsibility to pay for out of your own pocket.

Request and Compare Quotes

You can then begin requesting quotes from different car insurance companies. When you request an auto insurance quote on two vehicles, you will be required to provide details about both vehicles, such as:

  • Year
  • Make
  • Model
  • Safety equipment, etc.

You will also need to provide personal details, such as your:

  • Age
  • Gender
  • Address
  • Driving history, etc.

Quotes can usually be requested over the phone or online.

It may take you several minutes or more to provide this information to each insurer, and most insurers will then provide you with a quote immediately over the phone.

It is wise to request a written quote as well so that you can more easily compare your quotes.

Remember that your coverage will not be active until after you bind it. You must make at least a partial premium payment up-front.

Your insurance agent should provide you with insurance cards that you can use as evidence of coverage on your two vehicles after you make an initial payment.

You do not want to take the risk of being uninsured on your two vehicles. Being uninsured can result in financial and legal issues that can be stressful and costly to deal with.

If you have two vehicles, bundling them together in a single insurance policy can help you save money and is more convenient. Now is a very good time to start shopping for quotes, but remember to request new quotes for coverage every six months as well.

Start comparison shopping today for the best and most affordable auto insurance! Enter your ZIP code below!