With a multi-car policy, the driver will only pay one premium, instead of multiple insurance payments. First, this is often cheaper than buying multiple policies. Second, it can reduce the risk of ever missing payments or causing coverage lapses because you forget to pay for one of several policies. 

Multi-car policies have only one expiry and renewal date. Therefore, you won’t have to juggle multiple policy renewals throughout the year. 

Often, buyers qualify for special multi-car insurance discounts, which can reduce your premium. 

You can generally list multiple drivers on the policy. Therefore, all drivers will have coverage regardless of which vehicle they drive. So, if your spouse drives your car to work one day, they will still have coverage. 

In families, it is not uncommon for one person to hold the title (i.e. the official ownership) of all vehicles. For example, the parents might both sign the title on their child’s car. A multi-car policy will therefore ensure that all owned vehicles have coverage regardless of who drives them. 

All your vehicles will have cohesive coverage. So, when you buy the insurance required by your state, all vehicles will have at least that protection. 

In some cases, you can tailor optional parts of your coverage to each vehicle. For example, every vehicle will likely have to have liability insurance, and this coverage will remain cohesive for all cars. However, optional coverage, like collision and comprehensive insurance, you might be able to tailor by vehicle. 

If you own specialty vehicles, like RVs or motorcycles, you cannot insure these vehicles on the same policy as your standard cars. You will need specialized RV or motorcycle coverage. 

Commercial vehicles will not be insurable under a multi-car personal policy. 

Drivers who own classic or antique vehicles likely will benefit from insuring these cars under a specialized policy. A standard multi-car policy won’t likely provide enough coverage for these vehicles. 

If you don’t own a vehicle (meaning your name is not on the title), then you likely cannot add that car to the multi-vehicle policy. It will need its own. So, if your child owns their vehicle, and you are not a co-owner on the title, then you likely cannot add this car to your policy. 

You might have a high-risk driver in your home. For example, your spouse might have an SR-22 penalty that applies to their car insurance eligibility. In a case like this one, your spouse might need their own car insurance. If they don’t own a car, then a non-owner policy might suffice. This will insure the driver’s liabilities. However, you might still be able to add the vehicle itself to your own multi-car policy.