Formula
Bundled savings = (Auto premium + Home premium) × 0.10 to 0.25.
How to use it
- Get standalone quotes for auto and home
- Get a bundled quote from each carrier
- Compare bundle total to sum of best standalones
- Pick whichever is cheaper — bundling isn't always the winner
Worked example
Auto $1,800 + Home $1,400 = $3,200 standalone. Bundled with same carrier $2,624 = $576 savings.
Frequently asked questions
Should I always bundle?
No — sometimes a cheaper standalone home or auto beats the bundle.
Can I bundle renters and auto?
Yes — savings are smaller ($50–$150) but still worthwhile.
This calculator is for educational estimation only. For a binding quote, talk to a licensed Texas insurance agent or request a free quote.