Bundling’s one of those things that sounds like a slam dunk, but I’ve actually had the opposite experience a couple times. I get what you mean about “less hassle,” but for me, the hassle was dealing with a company that didn’t really care about customer service once they had both my policies. I remember switching to a big-name insurer for the bundle discount, but when I had a minor fender bender, it was like pulling teeth to get any help. Ended up switching back to two separate companies—cost me maybe $40 more a year, but the claims process was way smoother.
Also, about pay-per-mile: I tried it for a year and yeah, the savings were decent... until my job changed and suddenly I was driving a lot more.
That hit home. It’s wild how fast those miles add up.“one road trip and it’s like... oops, there goes the savings.”
I guess my take is, sometimes paying a little extra for peace of mind or better service is worth it. The numbers don’t always tell the whole story.
