The benefits of having your auto and homeowners policies through one company don't necessarily come automatically. You need to research your existing coverages and multiple offers on the market. If you already have the two policies (or more) with different insurers, you'll want to review the coverage details for each so that you don't lose key benefits when you drop one of the companies. Make sure to check the coverage limit, annual premium, and deductible for each of your existing policies. When you're ready to shop for bundled coverage, start by comparing quotes from different carriers. Your insurance agent can help with this part of the research. Remember to compare any bundled discounts and know what exactly you're getting with each plan. You can bundle once you've identified an offer that suits your coverage needs at a cheaper rate.