You describe the multi-policy and multi-car discounts as “valuable.” How valuable are they?

The multi-policy discount can add up to a premium saving of five to twenty-five percent per policy, depending on the particular insurance company.  It is a valid inducement for you, the insurance buyer, to purchase all of your policies from a single insurance company.  To not avail yourself of this great cost cutting opportunity would be a big mistake.  Purchasing all your coverage in a single company has the added advantage of eliminating possible coverage gaps through the counsel of a single insurance advisor.  Similarly, insuring all your vehicles in a single policy, can yield additional premium discounts of ten to fifteen percent per vehicle.