Car Insurance for Two or More Cars: What You Need to Know


There are a variety of reasons you could want to insure two cars, or more, on one California car insurance policy. Perhaps you’re getting married and joining your finances. It could be that your teenager recently got their driver’s license and a new car. Both cars could be for you, as one is driven to work and the other is for weekend fun. Either way, it’s time you learn everything you need to know about a multi-car insurance policy.

Get ready to save some money! That’s a sentence everyone loves to hear. This is the main reason a multi-car insurance policy is a great option for people with more than one car to cover. It allows you to bundle all of your vehicles together into one package, meaning you save money on coverage and get better rates in the process.

A multi-car policy allows you to get the coverage you need on a single policy. This usually comes with a fairly big discount, typically from 10% to 25%. A multi-car insurance policy is usually cheaper than separate policies and often includes a discount for each car insured.

What are the benefits of a multi-car policy?

#1 Pricing

As mentioned above, California auto insurance companies offer a multi-car discount. When compared to other discounts, such as paperless policies or good student discounts, a multi-car discount is higher.

#2 Single insurance deductible for all vehicles

In the event that more than one of your vehicles is damaged in the same incident like a severe storm, wildfire, or tree falling, you will only have to pay one deductible. This means that if you are carrying a deductible of $500 on your policy you will only have to fork up $500 to fix both cars, as long as they were damaged in the same incident.

#3 One renewal date

A multi-car policy allows you to insure all your vehicles with one policy with one renewal date and one payment date. This is much more convenient because you won’t have to have to keep track of multiple bills and due dates each month.

What are the requirements for a multi-car policy?

It’s actually very simple to qualify for this discount. In most cases, the most basic rule is that all of the cars must be located at the same address. There may be a limit to the number of cars you can have on a single policy. Usually, the max is either four or five.

Does the coverage need to be the same on each vehicle?

While most insurance companies require that you have the same amount of liability insurance and uninsured motorist coverage on each vehicle, you have some choices when it comes to collision and comprehensive coverage.

You can usually carry collision and comprehensive on one car and not another. The same is true for add-on coverages, such as rental reimbursement, roadside assistance, and more.


When you are ready to add another car, driver, or both to your car insurance policy, it’s a great time to compare car insurance rates. Don’t just re-sign with your current company if you feel you aren’t getting a big enough discount. Get a free online quote from Pronto Insurance! 

Start Saving! It’s simple.


Buy Online!

Get cheapest insurance quotes instantly.
Location pin icon
Been here before? Review your quotes.

Call Our Agent

Our licensed agents are ready to help you save.