Multi-Vehicle Discount Calculator

This calculator estimates how much you could save by insuring multiple vehicles on one policy instead of separate ones. It sums the annual premiums you enter for each vehicle (Separate Policies Total), applies a discount percentage based on how many vehicles you're bundling — 10% for two vehicles, 18% for three, 25% for four or more in this model — and reports the discounted Combined Annual Premium plus the resulting Annual Savings. Each vehicle's own premium is the input that moves the totals the most: raising Vehicle 1 or Vehicle 2's Annual Premium raises Separate Policies Total, Combined Annual Premium, and Annual Savings proportionally, since the discount is a flat percentage applied to whatever total you enter. This tool does NOT account for real underwriting: actual multi-vehicle discounts vary by insurer, state, and driver history, and typically range from roughly 8% to 25% (some insurers advertise more) rather than following one fixed schedule.

It also handles vehicle slots you leave unset at their $0 default: rather than treating an unset slot as though that vehicle costs nothing, the calculator substitutes the average of the premiums you did enter for any unset slot within your selected Number of Vehicles, so Separate Policies Total, Combined Annual Premium, and the accompanying chart stay consistent with each other instead of understating your true cost. That substitute is still only an estimate — it can't know an unset vehicle's real premium, so enter every vehicle's actual premium up to the Number of Vehicles you select for the most accurate savings figure. Always confirm your actual multi-vehicle discount with a real quote rather than relying on this fixed percentage schedule.