Multi-Car and Van Insurance: The 2025 Savings Guide
Trying to juggle separate auto policies? With multi-car and van insurance, you can bundle every vehicle under one roof, slash premiums, and simplify renewals. In this guide we’ll show you how.
Bundling all the wheels in your driveway — cars, SUVs and vans — under one multi-car policy can shave 10-25 % off premiums and spare you multiple due dates. Read our Multi-Car guide for more information.
Why Bundle?
- Up to 25 % discount per vehicle. Major insurers cap multi-car savings around 25 %.
- Single renewal, single bill. One policy means less admin and fewer chances of a lapse.
- Stackable perks. Layer multi-policy or claims-free discounts on top of the bundle rate.
Already an All About Insurance client? Ask your agent whether adding that extra van unlocks the multi-vehicle credit alongside your homeowners bundle.
How It Works
- List every private-use vehicle garaged at the same address — sedans, hybrids, work vans, etc.
- Name the regular drivers in the household.
- Choose deductibles & limits once for the whole group.
- Pay a single premium that already reflects the discount.
Can cars and vans share one policy?
Yes. Several carriers explicitly allow cars and vans on the same personal policy, provided they aren’t plated for heavy commercial use. If the van earns money (deliveries, trade tools, etc.), check out our dedicated Business Auto Insurance solutions.
Real-World Savings
Industry data shows a 10-25 % reduction versus separate policies, depending on the insurer and number of vehicles. Even after you add a teen driver — often the biggest cost bump — the multi-vehicle credit still applies and helps blunt the increase.
Eligibility Snapshot
Why it matters: Vehicles kept at the same address are priced by insurers as a single risk pool. Up to 4-5 vehicles may be included, depending on the insurer’s limit — always check carrier caps. The policy is primarily for personal use; business-use vans may need a commercial policy. All named drivers must have valid licenses to avoid coverage gaps.
Coverage Customization: What You Can Tailor
Multi-car and van insurance isn’t one-size-fits-all. The table shows which coverages you can customize per vehicle or driver, and which apply policy-wide.
| Feature / Option | Customizable Per Vehicle? |
Customizable Per Driver? |
Set at Policy Level? |
Available for Non-Traditional Vehicles? |
Notes / Examples |
|---|---|---|---|---|---|
| Liability Coverage | No | No | Yes | Sometimes | Minimum required by law; same for all vehicles. |
| Comprehensive Coverage | Yes | No | No | Sometimes | Can be added or removed for each vehicle. |
| Collision Coverage | Yes | No | No | Sometimes | Can be added or removed for each vehicle. |
| Deductible Amounts | Yes | No | No | Sometimes | Different deductibles can be set for each vehicle. |
| Uninsured Motorist Coverage | No | No | Yes | Sometimes | Often applies to all vehicles. |
| Medical Payments / PIP | No | No | Yes | Sometimes | Set at policy level. |
| Roadside Assistance | Yes | No | No | Sometimes | Can be added to specific vehicles only. |
| Glass / Windscreen Cover | Yes | No | No | Sometimes | Useful for vehicles more likely to have glass claims. |
| European / Overseas Cover | Yes | No | No | Rarely | For vehicles traveling abroad. |
| Breakdown Cover | Yes | No | No | Sometimes | Available for selected vehicles. |
| SORN / Seldom-Used Vehicle | Yes | No | No | Yes | Reduces coverage or cost for off-road vehicles. |
| Modified / Specialist Vehicles | Yes | No | No | Yes | Subject to insurer approval. |
| Business Use | Yes | No | No | Yes | Must be declared; may require a commercial policy. |
| Motorbikes / Kit Cars / Agri | Yes | No | No | Yes* | Not all insurers allow; check the policy. |
| Named Driver Assignment | No | Yes | No | Sometimes | Assign a main driver per vehicle. |
| Maximum Number of Vehicles | — | — | Yes | Sometimes | Varies by insurer (e.g., up to 4-5 vehicles). |
| Maximum Number of Drivers | — | — | Yes | Sometimes | Varies by insurer. |
*Some insurers allow non-traditional vehicles (like vans, motorbikes, kit cars, agricultural vehicles) to be included, but availability varies — always check your provider’s terms.
How to use this table:
For each vehicle you want to include, verify which coverages and extras you can tailor individually. For non-traditional vehicles or special circumstances (like SORN, business use, or modifications), consult your insurer for eligibility and options. Use this as a checklist when requesting quotes to maximize both flexibility and savings.
Frequently Asked Questions
Can I mix leased and owned vehicles?
Yes — leasing only changes the coverage minimums, not your eligibility to bundle.
Do teen drivers cancel the discount?
No. Premiums rise, but the multi-car credit still applies.
What if I sell a car mid-term?
Your bill is prorated, and the discount adjusts to whatever number of vehicles remain.
Ready to See Your Rate?
- Get an instant quote — click the Start Quote button or call 919-321-2886.
- We compare dozens of carriers to maximize every eligible discount.
- Sign electronically and start saving on every car and van you own.
Further Reading
- Forbes Advisor: “Multi-Car Insurance — How It Works & How Much You Save.”
- Insurance.com : “Multi-Car Policies — What You Save & How to Qualify.”
All About Insurance has helped North Carolina families protect what moves them since 1993 — let us simplify your coverage today.
