If you've got your car insurance through a different company than you did your homeowners insurance or renters insurance, you may be paying more than you should. It's called "multilining" in the industry. It means that by combining policies with a single company, you can stack discounts and save money.
Car insurance is the biggest risk for policy writers. You're more likely to get in an accident or have your car stolen than to have something catastrophic happen to your house. By combining policies, you lower some of the insurance company's risk.
"Multiline is where they make their money, rather than just picking up a loser like auto insurance," says Scott. "The more lines (of insurance that insurance companies) can get, the more they're willing to give discounts for it."