You have a fleet: Dad’s RZR, Mom’s Sportsman, two kids’ 90cc quads, and a toy hauler. You are paying four separate premiums. You are likely overpaying by 30%.
Key Takeaways
- Multi-Vehicle Discount: Insuring all machines on one policy triggers a massive discount (often 20-25%).
- The “Trailer” Bundle: Add the trailer to the same policy. It simplifies the “What was covered?” confusion during a total loss fire.
- Liability Stacking: Be careful. In some states, stacking liability limits is allowed (good), in others, having 4 vehicles increases your liability exposure.
- Common Renewal Date: One bill is easier to manage than four. You won’t accidentally let the kids’ insurance lapse.
The “Why” (The Trap): The Administrative Fee
Every policy has a base administrative fee. If you have 4 policies, you pay that fee 4 times. Combining them removes 3 fees.
Also, insurers know you can only drive one at a time (usually). They rate the risk lower for the 3rd and 4th vehicle.
The Investigation: The Savings
I quoted a family fleet with Progressive.
Separate Policies:
- RZR: $500
- Sportsman: $200
- Kid Quad 1: $100
- Kid Quad 2: $100
- Total: $900.
Combined Policy:
- Total: $680.
- Savings: $220/year.
Comparison Table: Bundling Strategy
| Item | Separate Policy Cost | Bundled Policy Cost |
| Admin Fees | Paid 4x | Paid 1x |
| Deductibles | Separate | Sometimes 1 deductible for same event |
| Paperwork | 4 Bills | 1 Bill |
[IMAGE: Graphic showing a family of 4 ATVs under one “Policy Umbrella”]
Step-by-Step Action Plan
- Call for a “Rewrite”: Tell your agent: “I want to combine all these onto a single policy number.”
- Sync the Liability: Ensure all vehicles have the same high liability limits ($100k+). You don’t want the kids’ quads to have low limits; they are just as likely to cause a lawsuit.
- Check the Trailer: Ensure the trailer is listed as a vehicle on the policy, or has a specific endorsement attached.
- Uninsured Motorist: You usually only pay for UM coverage once on a multi-vehicle policy, covering you on all of them. Huge savings.
FAQ
If my garage burns down, do I pay 4 deductibles?
Usually, yes. Unless your carrier has a “Single Deductible” clause for multi-vehicle losses. Ask about this specifically.
Can I mix brands?
Yes. You can insure a Honda, Polaris, and Can-Am on the same Progressive/Markel policy.