Which insurance company offers the best auto and renter's insurance rate? What is the discount % if known?

try calling a local independent agent. they write for many companies and can look around for you and find you the best rates.

The normal discount for multi-policy is 10%, some companies may give you 5% and some may give 15% but most give 10%. Your best bet is to call a few independant agents in your home state. That way you can get rates from a bunch of companies with only a few calls. Just tell each agent you want quotes for the Auto alone and then with Auto w/ a Renters Policy (HO-4). Regardless a renters policy is a good idea even if it costs you a few bucks. It will provide not only coverage for your property but more importantly it will provide coverage for Personal Liability.

I think your reasoning may be a little backwards. First, how much more is it going to cost you to purchase extra insurance and take the defensive driving class? If your car insurance rates end up staying the same, but you've spent $200 more for the other stuff, how long will it take for you see the benefit? On the other hand, your car insurance rates may go up 10%-20%. If you pay $700/year for insurance, that's only a$70-$140 increase. At that rate it will take you a couple of years to see a return on your dollar. Think of it like this.....gas prices jump up to $4/gallon. Your current vehicle(worth $10k) only gets 18 mpg. You go and spend $25k for a new vehicle that gets 30 mpg. Sounds good until you think about all the extra money you spend on the new car. There are a lot of people doing this today not realizing that they'll never see a return on their investment because they're only saving $200-$300/year on gas. Same principle as what you're describing. Think long term....then make an informed decision!

The best thing to do is to have an independent agent shop the market for you. I have had good luck with low rates from Progressive and Geico. Although to add renters you may have to go with another company. Click the link below and complete the quote form. An agent in your local area will contact you and help you decide which company will be the best fit for you. Don't let the title of the quotebox fool you, it says auto and home, but this will apply to renters insurance just as well. http://www.insureme.com/landing.aspx?Refby=619964&Type=autoHome I hope that helps! Jared Balis http://www.myinsurancequotes.net