Can You Insure Multiple Cars on the Same Auto Policy?

Here’s what you should know about multi-car auto insurance policies.

If you have more than one car to your household, then securing the right auto insurance in Lubbock, Texas for each car is an expensive and inefficient way to get the coverage that you need.  Fortunately, many insurers offer car owners the ability to secure multi-car policies to insure all their household vehicles.  But what is a multi-car policy and how does coverage work?  Here’s what you need to know.

  • What does a multi-car policy cover?

Multi-car policies offer the same coverage as a traditional auto policy.  Typically, all vehicles insured on a multi-car policy must carry the same amount of liability and underinsured motorist coverage.  However, policyholders can adjust the amount of collision and comprehensive coverage on each vehicle.  You can even secure special coverages for some cars on the policy without having to tack these extra coverages onto all your cars.

  • Are there coverage restrictions?

Most insurers will limit the number of cars that you can insure on a multi-car policy.  Usually, the cap is around four or five vehicles but check with your insurance provider to learn the specifics of your policy.  Some insurers might require that all the cars on the policy be owned by related parties.  Other insurance providers may not care about familial relation, but they may require that everyone insured under the policy live at the same address.

This is what you need to know about the coverage offered by multi-car policies.  Do you have additional questions regarding your auto insurance in Lubbock, Texas?  If so, then contact the experts at Promised Land Insurance Group.  Our dedicated team is eager to assist you with all your car coverage needs today.

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