Is It Cheaper To Have Joint Car Insurance? 
I am not aware of the term joint car policy . However , if you mean , Is it cheaper to have two cars on the same policy or with the same company ? the answer is generally , yes . Most car insurers offer a multi-car discount . If you are really asking if it is cheaper to have an auto policy with two insureds , technically , it doesnt make any difference . In California auto policies are issued to households and all the drivers in the household are considered . 