How to Add a Car to Your Insurance Policy

Adding a second car to your insurance policy can be done easily through an insurance agent/broker, and can save you money through a multi-car policy discount.
Written by Jacoba Bood
Reviewed by Kathleen Flear
Adding a second car to your insurance policy can help you save on your total insurance costs through a multi-car policy discount.
If you want to take out a multi-car policy, you will need to contact your car insurance provider to let them know.
Before you do, though, consider switching to a more affordable provider to save even more. A lot of insurance providers offer multi-car discounts—but not all deals are the same.
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Can I add a second car to my insurance policy?

There are two ways to take out a multi-car insurance policy—you can contact
your insurance
provider yourself or you can let
find the best savings and handle it for you!

What is a multi-car policy?

A multi-car policy covers more than one vehicle under the same policy number.
In most cases, you can take out a multi-car policy as long as all cars are registered under the same address. Multiple owners are usually fine.
Some insurance companies require you to be related, others only
require that the cars are housed together
to take out a policy—even if the owners live in different states.

Getting a multi-car policy

Getting a multi-car policy doesn't have to be tough. Here's how to do it:

Gather your information

Before you reach out to your insurance provider, you’ll need to have details about the car you want to add to the policy. Have the following information written down before you call:
  • The year, make, and model of the car
  • The license plate number of the owner
  • The state where the car is registered
  • The vehicle identification number (VIN)—you can find this on your vehicle registration information or on a windshield sticker placed where your driver’s side dashboard meets the window

Contact your insurance provider

Many insurance providers allow you to handle this process online. Simply log in to your account and click on the multi-car policy option.
In some cases, you may have to call your provider to handle the switch—or maybe you just prefer to do things by phone.
You will have to provide the information noted above to activate a multi-car policy discount. You’ll also need to consider whether you want the same amount of coverage on both vehicles. As long as you have the state
minimum insurance requirements
, you can tailor the coverage on each car as you so choose.

Getting a multi-car policy with Jerry

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If you want to find the most affordable multi-car policy before you commit, the friendly staff at
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Benefits of adding a second car for a multi-car policy

Cost savings

Most providers offer multi-car discounts, which means you could save anywhere from 10–25% on your car insurance premium.
Depending on the state you live in, you might also be able to stack certain insurance options, like
uninsured/underinsured motorist coverage
, so that one policy option covers both vehicles.

One deductible

If both cars end up damaged in the same incident, you will only need to pay one deductible when you make your claim.

Simplify your insurance needs

Having a multi-car policy can also simplify your insurance—especially if you own both vehicles yourself. You’ll only have to deal with a single renewal date and can easily manage both policies on the same platform.

How to find the best cheap insurance

If you want cheap car insurance quotes fast, go to
A licensed broker that offers end-to-end support, the free Jerry app gathers affordable quotes, helps you switch plans, and even cancels your old policy for you. The average Jerry user saves $879 a year on car insurance—and it’s free to use!
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How much does adding a second car to my insurance cost?

The cost of your insurance premium will depend more on the vehicle's make, model, year, and your personal driving history than the amount of vehicles on the policy. In fact, using a multi-car policy discount will probably be cheaper than getting your second car insured elsewhere.

Can I use a multi-car policy discount if the two cars are at a different address?

Most of the time, no. You can only use a multi-car policy discount if both vehicles are registered at the same address, but you should call your insurance provider to be sure.
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