How you can Save with a Car and Renters Insurance Bundle

A car and renters insurance bundle can be the right choice if you want to save money. Usually, you have individual policies for the different aspects of your life. These can be things like your health, car, home, and life insurance. So many insurance companies offer various policies at different prices. So it can be a bit confusing keeping track of everything. But this doesn’t have to be the case if you find an insurance company that offers a bundling option.

Why Bundle?

If you have different insurance policies with different companies, you know that keeping everything organized takes time and effort. The great thing about bundling is that it saves you time and money. It also helps with the number of emails or letters you receive from your insurance company. 

Most people find that when they get a car and renters insurance bundle, they save up to 16 percent on insurance premiums. Saving money on insurance without reducing coverage is a win-win situation for you and your family. The extra money you saved can be spent on the things you love. Or you can use the money towards any coverage increases you would want to better protect your family.

How to Bundle Your Insurance

Now that you know about bundling insurance, how do you do it? The process can be simple if you have the right insurance company that makes it easy. 

If you are looking for a new insurance company or trying to choose between two, contact both of them. Ask if they offer bundle options and compare the prices. You may decide that you want to go with a completely new insurance company because they offer better discounts and deals. The amount of policies you can bundle is numerous and the only restrictions are what the company has to offer.

Insurance Company

Obviously, you want a great insurance company. Finding an insurance company with representatives that work with you to find the best coverage and price is the best thing you can do for yourself in the long run. This means they will help find the best bundles for your needs. If your insurance company only offers separate policies, you might want to look into another company that can offer a bundling package.

Insurance Professionals of Arizona serves the State of Arizona and works with many insurance company options. This way we can offer various insurance bundles to make sure you get the best price for the maximum coverage possible.

Customer Service

Everyone wants to have an insurance company with great customer service. Nobody has time to sit on the phone for hours on hold just to talk to a representative. Or worse, get on the phone with someone that doesn’t have the answers to your questions.

You want an insurance company that knows who you are and understands your policy. This is why great customer service is important when you choose an insurance company. Contacting your insurance provider shouldn’t be a cause for concern. Long wait times, constant transfers and playing phone tag should never be the reason to not call your provider. You should easily be able to contact them without any hesitation or problem. 

Our goal at Insurance Professionals of Arizona is to make you feel like you are at home. We want you to know that we value you as a customer and give you the answers to your questions. Lastly, our professionalism, combined with our passion for insurance, allows us to create a true connection with all our clients.

Different Insurance Options

Not everyone is going to have the same needs or wants when it comes to insurance. If you have a boat, you will want boat insurance. Same goes if you own a motorcycle. At the end of the day, everybody is going to need different coverage depending on their lifestyle. So why would you want an insurance provider that only offers cookie cutter policies for everyone? The best insurance providers will give you various options to fit your unique needs. 

Insurance Professionals of Arizona wants to give you the best coverage for the best possible price. And we do this by looking through the various providers we work with to get you what you need. Whatever your insurance needs are, we have them covered with bundling discounts waiting for you.

Car and Renters Insurance Bundle

The great part about getting a car and renters insurance bundle is that a majority of your needs covered. Renter’s insurance is something that can save you a lot of money if anything were to happen to your possessions when renting. Having car insurance is also great, and in most states mandatory. It’s a good idea to get coverage for all the important aspects of your life. This can save you a lot of headache and trouble in the future. 

Liability Coverage

Auto insurance and liability coverage go together. Keep in mind that most auto insurance will have liability coverage built into the policy. It is a good idea to make sure your policy has enough coverage to protect you from any out-of-pocket costs in the future. While getting a policy with a low monthly premium might sound tempting, you might find yourself paying more in the long run. This can be the case with high deductibles or low coverage costs. Remember many policies have different coverage plans and you don’t want to be on the end of being under insured. 

For Arizona, the minimum amount of coverage required is $25,000 for bodily injury caused to another driver or their passengers. $15,000 of coverage is required for damage done to other vehicles and possessions. 

Homeowners Insurance

When purchasing a house there are lots of things to think about. One thing that you should be aware of when looking at houses is homeowners insurance. Although it seems like an obvious policy to have, certain coverage details can be overlooked. This is why it is good to find a provider that offers various policies that fits your needs. Coverages such as fire, earthquake or flood protection are vital if you live in a high risk area. Natural hazards for Arizona are wind and hail just to name a few. 

Although not required by law in certain states, some mortgage providers require homeowner insurance while mortgaging your home. This gives your mortgage provider a sense of assurance that your home is protected while you repay your loan. Not only does this cover your loan provider but the homeowner as well. Nobody ever wants to be on the receiving end of $100,000 home repair cost.

Insurance Quote

If you are not sure about what insurance company or policy you want to go with, get an insurance quote. If you don’t have time to call in for a quote, use our simple request form on our site. This can be done online and only takes a few minutes to fill out. 

After you put in the required information, you will receive your insurance quote in a short time. Remember, this is only an estimate and will change depending on any coverage changes you have.

Get the Most Out of Your Insurance Bundling

Although a car and renter insurance bundle is popular, there are so many other options for you as well. There are two options that allow you to save even more money by bundling your insurance. These are known as either multi-policy discounts and bundle discounts. Although they sound similar, there are distinct differences between the two.

Multi-Policy Discount 

A multi-policy discount is a discount option that major insurance company providers offer. To put it simply, if you hold 2 or more policies with them you can receive an overall discount on them. The discount options vary from company to company. While some companies offer processive discount based on the amount of policies you hold, others offer a flat rate amongst all the policies. It is a good idea to look at your options before committing to a policy. This is because changing the coverage or canceling a policy can affect your discount eligibility. 

This is a great option to consider if you want your insurance policies to be in one place. Depending on your insurance company, you can pick and choose what policies you want to get a multi-policy discount on.

Bundle Discounts

The other option is to get a bundle discount. This is a great choice for those who want to combine two insurance policies that are not the same. A bundle discount is where you combine two or more insurance policies under one insurance company. Basically, all the policies you have are lumped together and billed at the same time instead of separately. The discount is usually given on the overall premium cost of all the policies. This is a very convenient option as you don’t have to keep track of different due dates.  

But these are only a few discount options that you have access to. You may be eligible for other discounts that your insurance company offers. Check for holiday, student or small business discounts offered by insurance companies. Some of these discounts can be seasonal or for a limited time. This is why it is great to have an insurance professional that is capable of finding all possible savings.

Finding the Best Bundles for You

Here at Insurance Professionals of Arizona, we understand that saving money is one of the biggest concerns you have. So you can rest assured that our experienced professionals are capable of finding every saving possible for you. Getting a car and renters insurance bundle is the best way to save money. We will give you various options for you to choose from that will fit your individual needs at the price you want.

Give us a call at 480-981-6338 to get started. If you want to chat online or meet in person, either way, that works great for us. You can also contact our office by filling out a short online form.

The Insurance Professionals of Arizona look forward to serving you!