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Save more on your premiums by combining your policies with Mercury in Oklahoma. Get a personalized bundling quote today to see how much you could save.
How Does Bundling Work in Oklahoma?
Bundling is the process of purchasing multiple insurance policies from the same provider. For Oklahoma residents, this could mean buying your auto insurance and your homeowners (or renters/condo) insurance from Mercury.
When you bundle, the insurance company rewards your loyalty and the increased business with a discount on one or both policies. It streamlines your coverage, typically resulting in a single bill and a single point of contact for claims or questions, simplifying your financial life while lowering your monthly costs.
The Benefits of Bundling Home and Auto Insurance in Oklahoma
Beyond the immediate financial savings, bundling your insurance policies offers several practical advantages for Oklahoma policyholders:
- Convenience: Manage all your policies in one place. With Mercury, you can view your auto and home coverage through a single online portal or app.
- Simplified Billing: Forget tracking multiple due dates. Bundling usually allows for combined billing statements.
- Policy Stability: Insurers value long-term relationships with bundled customers, often providing greater policy stability.
- Single Deductible: In some cases, if a storm damages both your home and car (a common occurrence in Oklahoma), you may only have to pay one deductible rather than two.
What Types of Insurance Can You Bundle With Mercury?
Mercury offers different options in how you combine coverage in Oklahoma, including:
Home and Auto
The car and home insurance bundle is the most common option. It combines standard homeowners insurance (HO-3) with a personal auto policy. It’s ideal for those who own a single-family home and one or more vehicles.
Renters and Auto
You don’t need to own a home to save. If you rent an apartment or house, you can combine your renters insurance (HO-4) with your auto policy. This auto and renters insurance bundle protects your personal property against theft or damage while also securing your vehicle.
Home and Umbrella
If you’re seeking extra liability protection, bundling a home policy with umbrella insurance provides a safety net that goes beyond standard liability limits. This is key for protecting your assets from major lawsuits.
How to Save Money When You Bundle
The primary reason to bundle is the multi-policy discount. Mercury offers specific percentage savings based on the type of property policy you hold. Here’s a breakdown of the potential savings available to Oklahoma residents:
- Homeowners (HO-3): Save 19% when you bundle a standard homeowners policy with Mercury auto insurance.
- Renters (HO-4): Save 7% when you combine renters coverage with an auto policy.
- Condo (HO-6): Save 9% when you bundle condo insurance with your car insurance.
For even more ways to reduce your premiums, including good driver and good student discounts, visit our Oklahoma Auto Insurance page.
Why Bundle Auto and Home Insurance with Mercury?
Choosing Mercury for your bundle means choosing a company that values low rates, big discounts, and great insurance.
- Local Expertise: Our network of local agents in Oklahoma understands the area, from severe weather risks in Tornado Alley to specific neighborhood crime rates, and can tailor your bundle to fit.
- 24/7 Claims Service: Whether it’s a fender bender or storm damage, our claims hotline is available around the clock to assist you.
- Financial Strength: We have the resources to pay out claims quickly and efficiently, giving you peace of mind when you need it most.
Learn More About Bundling Insurance with Mercury
Check out our blog for helpful tips, insights, and answers to common questions:
What are the Benefits of Bundling Insurance for Policyholders?
Insurance Bundling 101: Understanding the Basics
Does Bundling Home and Auto Insurance Actually Save You Money?
Should I Bundle Home and Auto Insurance?Frequently Asked Questions About Bundling
How to find the best home and auto insurance bundle in Oklahoma?
To find the best home and car insurance bundle, compare quotes that include both policies together rather than separately. Look for insurers like Mercury that offer high percentage discounts (up to 19% for homeowners) for multi-policy holders. Working with a local independent agent can also help you compare rates across the state to ensure you aren't overpaying.
Does insurance bundling differ by zip code in Oklahoma?
Yes, insurance rates and bundling availability can vary by zip code. Factors like local weather patterns, crime rates, and traffic density influence the base rate of your auto and home policies.
What factors influence home and auto bundling discounts in Oklahoma?
Several factors impact your final bundled rate, including:
- Driving Record: A clean driving history helps maximize the auto portion of your bundle.
- Claims History: Frequent claims on either home or auto policies can impact your eligibility for the best rates.
- Credit Score: In Oklahoma, insurance scores based on credit history can influence premiums.
- Policy Type: As noted, homeowners (HO-3) receive a higher discount percentage than renters (HO-4) or condo (HO-6) policies.
How can I get a bundling quote in Oklahoma?
Getting a quote is simple. You can start the process online to see your preliminary rates, or call a local Mercury agent who can walk you through the specific coverages and discounts applied to your bundle.