Multi-policy Discounts: Many insurance carriers offer discounts when you hold more than one product with them, meaning if you buy auto-home or home-auto with the same company you can save from 15% to 20% just for keeping your business with them. It is also recommended to place all or most of your risks with the same agent because on top of the discounts, the insured will have more control in the case of any claims and/or losses.