How to Add a Car to Your Insurance Policy

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  • Adding a second car
  • What is it?
  • Benefits
  • FAQs
  • Cheap car insurance
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. The Jerry car insurance shopping app will help you find the best saving potential for free.
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How to add a second car to your 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 Jerry 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 without Jerry

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

Jerry is here to make insurance shopping easy—and qualified, professional staff is always ready to help you save.
If you want to find the most affordable multi-car policy before you commit, the friendly staff at Jerry take care of the details for you. Just call them up to get started.
Jerry contacts your insurance company to get the details of your current coverage, so you don’t have to scale a mountain of questions. You get all the best prices and coverage with none of the legwork. Jerry will even handle the switchover—and make sure that you’re always getting the best deal on your policy renewals!
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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 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.

How to find the best cheap insurance

If you want cheap car insurance quotes fast, go to Jerry.
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 completely free to use!
The glowing reviews speak for themselves.
“I’ve used a car insurance comparison website before - and every single one of them is a joke. You put all your information in, get a quote… go to the insurer’s website, put half your information in again, get a different quote, thirty-five spam calls… but not with Jerry! Jerry saved me $640 every 6 months. Agents are backing the process - and there are no nagging phone calls. This is the real deal!” ” — Satisfied Jerry User
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