If you own a home in Texas, you likely also own a vehicle as well. It also likely stands that you’ll be looking for the best home and auto insurance bundles available in The Lone Star State. This means receiving the protection you deserve and paying the lowest cost possible when doing so.
This can be a difficult feat as there are many companies and policies to choose from. But there are steps that you can take to be sure that you are receiving the coverage you require and spending less in the process.
Auto-home bundle insurance in Texas provides you with cheaper premiums for the coverage you already need and enjoy. Companies provide discounted premiums for clients who purchase multiple policies at once and this is a great opportunity for you to save.
While bundling remains one of the best ways to save money on your premiums, it’s not the only tool homeowners and drivers have. Furthermore, there are important steps to take in the process that can actually deliver even more savings as a result.
Learn more about how to find the best auto and home insurance bundle in Texas, what to look for, and how to be sure you are paying the lowest price available for your coverage.
Who Has the Best Bundle Insurance in Texas?
The best home and auto insurance bundle in Texas combines insurance policies that protect you the most according to your needs and at the lowest price possible. Thankfully, this means that Texans have plenty of options as there are several brands available.
Protecting against risks is exactly why residents with multiple pieces of property to safeguard seek out the best bundle insurance in Texas. When it comes to perils such as car theft, flooding, hailstorms, windstorms, and similar examples, The Lone Star State has plenty to offer.
This is unfortunate and insurance companies know this. Because while you’re trying to safeguard what you’ve worked hard for, including your finances, carriers are looking to protect their own financial interests. The way this is accomplished is by charging premiums for your policies.
If you are a riskier client, you’re going to pay higher rates. But bundling provides an avenue to find a bit of balance. You can enjoy more forms of protection while paying less in the process, but you’re still going to have to contend with elevated rates because of trends found throughout the state.
By shopping around and comparing not only brands but the bundles available to you, you’re able to find the right level of coverage without overspending. Failing to compare bundles, however, means you’re likely overpaying. Here’s why:
- Bundling is one of the most powerful tools for saving money on insurance premiums, but comparison shopping remains in the lead. It can help you save on premiums because you can pinpoint the lowest rate available.
- All carriers are looking at your risks to create your premium rates, but they are also all doing so differently. This means that even for the same exact coverage, you can receive vastly different premium rates depending on the brand.
- This is accomplished because each carrier weighs and measures risks in accordance with its own propriety calculations. Bundles unlock savings but to maximize these savings, you’re going to want to shop around.
- Additionally, by comparing different carriers, you can not only receive bundling discounts but there may be discounts available to you with a particular brand that either aren’t available elsewhere or you don’t qualify for with another company.
It’s important to break down these variables because it helps put into proper perspective what it really means to enroll in the best car and home insurance bundles in Texas. This will simply look different for everyone and rather than going with a large brand, it’s critical to look around and compare coverage and rates.
Thankfully, bundling your home and auto coverages is a great way to protect yourself from costly financial hurdles and save money. Below, let’s explore some of the many benefits of bundling and how you gain more than just extra cash in your pockets.
Why Should Texans Bundle Insurance?
There are many reasons for bundling your home and auto insurance that Texans might not realize. Of course, there are savings, but by bundling, you’ll receive a lot more than just a lower monthly rate. Explore the benefits you’ll enjoy with the right insurance carrier:
Let’s get the obvious out of the way. While paying less for your home and auto insurance policies by bundling is a huge deal, there are additional benefits to doing so. Nevertheless, your bundle can lead to significant savings through unique discounts helping provide you with more coverage at a cheaper rate.
Tracking down your various insurance policies can be a hassle. Even when you aren’t looking for the details following a loss, simple tasks such as paying your bill can be a pain if you’re having to look every which way to do so. Thankfully, many carriers are modernized and bundles provide you with a single account to manage online or through an app.
Depending on how your billing cycle, finances, and mortgage are set up, you can even combine your bills, making payments easier to deal with. Furthermore, those qualifying for single deductibles may find advantageous situations in which only one deductible is necessary for reimbursement following a loss that affects both your home and your vehicles.
Your time is valuable and with the best bundle insurance companies in Texas, you’ll gain more of it. Think about the previous benefit: easier management. This means not only a better user experience but you’re also saving time and after a loss, this can be a particularly important benefit.
Rather than dealing with multiple claims and processes, those who can submit a single deductible can streamline the process. For example, following a hurricane, wind damage has affected both your home and your vehicle. Receiving reimbursement is an easier, timely process when there is less to go through between both parties.
Additional Discounts May Be Available
Bundles are a discount for your coverage, and while they are great at saving you money, there are many other discounts that you may also qualify for. Here are just a few common examples:
- Safe driver discounts
- Multi-policy discounts
- Good student discounts
- Discounts for new construction homes
- Discounts for home safety features such as alarm systems and fire alarms
- Auto insurance discounts depending on your occupation or organizational ties
There are many other discounts available but they can vary from carrier to carrier. Bundling is a great way to unlock additional discounts and if you’re looking to maximize these savings, you’re also going to need to look at different brands in the process.
Comparing the discounts available will help you find the best price and avoid leaving money on the table when you enroll in coverage. The best way to ensure that you’re maximizing these opportunities is to audit your insurance needs with a licensed agent and compare multiple carriers.
What To Look For in the Best Home and Car Insurance Bundle in Texas
As you can see above, there are many benefits that come along with bundling. It’s also clear that how you bundle will also make a difference in your experience and savings. But when shopping for the best auto home insurance bundle Texas carriers have to offer, you’re going to need to look a bit further.
The best deal in the world won’t do you any good if your carrier is unable to pay your claim when you suffer a loss. While it can be hard to imagine, the unfortunate reality remains that not every insurance carrier is the same when it comes to their capabilities of fulfilling their end of the bargain.
This can be a difficult event to navigate for policyholders. Yes, the Texas Property and Casualty Insurance Guaranty Association is available as a safeguard for policyholders, as are legal routes, but the best practice is to enroll in carriers that are capable of paying you for a claim, even when facing a high volume of claims.
There are independent agencies that will grade the financial health of insurance carriers and while often overlooked, this is an important metric to consider when enrolling in any home and auto bundle.
Top-rated insurance carriers are going to be able to help you restore the losses to your property even amid larger, damaging events such as ice storms, windstorms, or wildfires. Insurance companies with lower ratings may not be able to fulfill their responsibilities, leaving you to seek tedious, longer methods when you need them the most.
In addition to being financially sound, you’re also going to want to enroll in a company that is able to help you through excellent customer service. Fortunately, the Texas Department of Insurance (TDI) provides policyholders with a useful tool to view consumer complaint data.
It’s here that you can gain useful insight into insurance carriers operating within The Lone Star State and how they’ve handled previous claims and policyholder relations. This includes data from the National Association of Insurance Commissioners (NAIC) as well as the NAIC’s tool for looking up company profiles.
Avoiding such pitfalls can be achieved by conducting the right research and enrolling with a top-rated insurance carrier. Here at Freedom Insurance Group, we only use top-rated insurance carriers as our partners because we understand the importance of being there when you need us the most.
How To Save With the Best Home and Auto Insurance Bundle in Texas
Not all insurance is the same and you deserve a bundle that is going to help create peace of mind rather than leave gaps in your coverage and overcharge you for doing so. Our team of experts can help. Here’s how we save Texans an average of 40% on their premiums:
We Represent Multiple Carriers
Our partnerships range from national brands to local favorites. Because we work with multiple carriers, we can help you shop and compare to provide you with the best look at your insurance needs and the viable coverages that meet them.
All of Our Carriers Are Top-Rated Providers
Instead of providing solutions that may feature lower premiums but leave you to fend on your own after a claim, we only partner with top-rated insurance companies. When you enroll through Freedom Insurance Group, you can rest easy knowing that you’re covered by a policy that is there for you regardless of the outside circumstances facing the state and its carriers.
Having Mulitple Partners Means More Solutions for You
Because we work for you instead of a single brand, we are dedicated and able to pinpoint the best insurance solutions for your needs. We understand the power of comparing your coverage and can do so with more insurance products and discounts available than singular carriers.
A Personalized Approach to Your Coverage
Your insurance needs are unique to you and our approach reflects this. Our experts identify the areas of risk you wish to protect against, plug in your personal information, and provide you with a responsible level of coverage at the lowest possible price. The center of our comparison bundle journey remains you and the needs that you have.
To maximize your savings, bundles, and comparison shopping will provide a path to better financial protection without having to overpay. If you’re looking to enjoy the best home and auto insurance bundle in Texas, contact us today. Alternatively, you can also enjoy our free, online tool for a no-obligation homeowners insurance quote and auto insurance quote.