The average cost of homeowners insurance in Arizona climbed to $1,991 annually in 2024 — a 48% increase over three years, according to data compiled by Arizona insurance brokers tracking state premium trends. At the same time, NAIC data shows full-coverage auto insurance averaged $1,258 per year nationally. For Casa Grande and Maricopa families already stretched by rising costs, a multi-policy discount isn’t a nice-to-have — it’s one of the most reliable ways to cut hundreds off two unavoidable bills. This guide shows you exactly how bundling works, what it saves, and how Gebhardt Insurance Group has handled it for Pinal County residents since 2004.
What Bundling Auto and Home Insurance Actually Means
Bundling is the practice of buying two or more insurance policies — most commonly auto and homeowners — from the same carrier, in exchange for a discount on each policy. The National Association of Insurance Commissioners defines it plainly: insurers offer price breaks for purchasing multiple types of insurance together, and in some cases offer a single combined deductible if the same event damages both insured assets.
At Gebhardt Insurance Group, the agency has built its business around this exact scenario since Stephen Gebhardt founded the firm in 2004. Rather than locking clients into one carrier, the agency shops more than 40 A+ rated companies to find the combination of auto and home policies that delivers the best real-world savings — not just the biggest advertised discount.
That distinction matters. As the NAIC has formally noted, some consumers focus on the headline bundle discount and miss the fact that two separate carriers can occasionally be cheaper than one bundled quote. An independent agency is structured to catch that.
How Gebhardt Insurance Group Approaches Bundled Coverage
Gebhardt Insurance Group operates from two Arizona offices: 719 E Cottonwood Lane in Casa Grande and 44400 Honeycutt Road in Maricopa. The agency has grown from a one-person operation in 2005 to a team of more than 13 employees, according to its public Yelp business profile.
The Tools and Carriers
Gebhardt’s bundling process uses its access to 40+ A+ rated carriers — a list that includes Nationwide, Pekin, and other national and regional insurers. When a client requests a quote, an agent runs the auto and home risk profiles across this full carrier panel rather than a single company’s rate book.
The Timeline
A typical bundled quote at Gebhardt takes minutes to initiate and is delivered without high-pressure sales, according to the agency’s stated process on its website. For existing homeowners, the agency also performs annual policy reviews — the kind of checkpoint where rate increases from one carrier can trigger a re-shop to another.
Team Structure
Steve Gebhardt himself has been recognized for personally visiting claim sites, as documented in client testimonials published on the agency’s website. One customer of more than 12 years wrote that Steve showed up at a property damage location just to confirm his customers were being cared for — and he wasn’t even the agent of record on that policy.
Challenges the Agency Navigates
Casa Grande sits in Pinal County, on Arizona’s I-10 corridor between Phoenix and Tucson. The flat terrain exposes homes and vehicles to haboobs — dust storms with winds exceeding 60 mph — that routinely damage roofing, siding, HVAC units, and parked cars in a single event. A bundled policy with a combined or coordinated deductible structure can meaningfully reduce out-of-pocket cost when one weather event hits both the house and the driveway.
Metrics That Get Tracked
The agency publicly references Pinal County Lifestyles Readers Choice Awards for best customer service (2009, 2010, and 2011) and a 2016 “Agent of the Year” recognition from Pekin Insurance. It also holds AAA’s Emerald Achievement Award. These are local, verifiable credentials rather than anonymous online ratings.
Measurable Outcomes and ROI of Bundling
Here is what the real numbers look like, drawn from published 2024 carrier data and NAIC filings:
- Average national savings range: 5% to 25% on total premiums when auto and home are bundled, according to NAIC guidance.
- Nationwide — one of Gebhardt’s carrier partners — reported an average 18% discount on bundled auto-and-home policies in 2024, with average combined annual premiums of $3,643 per Insure.com’s 2024 analysis.
- State Farm publishes average bundling savings of up to $1,356 per year (up to 17%), according to its own disclosures cited in U.S. News rankings.
- Liberty Mutual reported average savings of $950 per year among new customers who switched and bundled between May 2023 and April 2024.
- Arizona context: With the state’s average home insurance premium at $1,991 in 2024 and auto averaging over $1,258, a 15% bundled discount on both policies saves a typical Arizona household roughly $487 per year in out-of-pocket premium.
Non-Dollar Outcomes
- One agent, one renewal, one claims contact. Clients with bundled policies through Gebhardt manage everything through a single office rather than juggling multiple carriers.
- Coverage-gap prevention. Farmers Insurance notes that married couples who don’t combine policies often end up listed as “undisclosed drivers” on each other’s separate auto policies — a gap that can cause a denied claim.
- Combined deductibles. Some carriers apply one deductible when a single event damages both the home and a vehicle, rather than charging two.
Trade-Offs To Know
Bundling isn’t universally cheaper. The NAIC has warned that consumers can over-focus on the discount and ignore whether the underlying policies actually fit their needs. Insure.com’s 2024 Progressive analysis found specific scenarios where pairing one carrier’s home policy with a different carrier’s auto policy came out cheaper than bundling. This is precisely why an independent agent who shops multiple carriers tends to outperform a single-carrier quote.
How Different Industry Approaches Compare
Bundled pricing isn’t uniform across the carrier landscape. Publicly available 2024–2025 data illustrates the range:
- Nationwide publishes an average bundle discount of up to 15% on its website and delivered an 18% average in Insure.com’s 2024 rate study.
- Farmers Insurance states that customers can save up to 10% on each policy by bundling home and auto, with higher combined savings when additional policies (life, umbrella, RV) are added.
- Progressive reports that new customers bundling home and auto can save over 25%, though average bundle savings run closer to 7% per the company’s own published figures.
- USAA (military members only) publishes up to 10% in bundled savings.
The pattern is clear: a single advertised percentage tells very little about what any specific household will actually pay. This is why agencies like Gebhardt Insurance Group, which hold appointments with dozens of carriers, are positioned to compare the real total cost rather than a marketing number. On their own website, Gebhardt states bluntly: “We shop more than 40 different A+ rated companies to find you the best rate and the best coverage possible.”
Practical Implementation Guide: How to Bundle Correctly
Based on the documented process Gebhardt Insurance Group has used with Casa Grande and Maricopa clients since 2004, here is how to do this right:
Step 1 — Inventory What You Currently Pay
Gather your current auto declaration page and your current homeowners declaration page. Note the premium, deductible, coverage limits, and renewal date on each. This is the number you’re trying to beat.
Step 2 — Get Quotes Across Multiple Carriers, Not One
The single most common mistake is getting a bundle quote from one insurer and stopping. Gebhardt’s stated process is to run your profile across 40+ A+ rated carriers. If you’re doing this solo, get quotes from at least three carriers — but be aware that self-service online quotes typically miss discounts that only independent agents can apply.
Step 3 — Compare Apples to Apples
Make sure every quote uses the same coverage limits, deductibles, and endorsements. A cheaper bundle isn’t cheaper if the underlying coverage is thinner.
Step 4 — Ask About Stacked Discounts
Multi-policy discounts frequently stack with autopay discounts (2–5%), paperless billing (1–3%), claims-free history, and home safety device discounts (5–15%). Gebhardt agents review these at the time of quoting.
Step 5 — Time the Switch to Avoid a Lapse
Some carriers require 30 days’ notice to cancel, and a coverage lapse — even one day — can raise your future auto rates. Coordinate the new policy’s effective date with the old policy’s cancellation.
Mistakes to Avoid
- Choosing a deductible you can’t actually afford just to shave the premium.
- Accepting the first bundle quote without comparing un-bundled alternatives.
- Ignoring the carrier’s AM Best rating — Gebhardt only writes with A+ rated carriers for this reason.
- Forgetting to update coverage when life changes (marriage, new teen driver, home renovation, RV or golf cart purchase).
Conclusion
Back to the opening number: $1,991 average Arizona home premium, over $1,258 average auto premium, and a 48% three-year home-insurance increase pressing on Casa Grande and Maricopa budgets. A well-chosen bundle can return 5% to 25% of those combined premiums — hundreds of dollars a year — without sacrificing coverage. Gebhardt Insurance Group has been doing this for Pinal County families since 2004 by shopping more than 40 A+ rated carriers rather than defending a single company’s rate sheet. Your clear next step: request a free bundled auto-and-home quote from Gebhardt Insurance Group at 520-836-3244 or through the quote form on gebhardtinsurancegroup.com, and compare it against your current renewal. If it saves, you switch. If it doesn’t, you stay. Either way, you know.
FAQ Section
How much can I actually save by bundling auto and home insurance in Arizona?
Most Arizona households save between 5% and 25% on combined premiums. Nationwide published an 18% average bundle discount in 2024; State Farm reports up to $1,356 in average savings. Your actual number depends on carrier, ZIP code, and coverage.
Is bundling always cheaper than buying two separate policies?
No. The NAIC warns that sometimes two separate carriers beat a single bundled quote. Independent agencies like Gebhardt Insurance Group, which quote across 40+ carriers, are built to catch those cases — solo online shoppers often don’t.
What if I already have my home and auto with different companies?
Gebhardt’s process is to re-quote both policies across its full carrier panel. If a bundled option saves you money, the agency handles the switch and coordinates effective dates to avoid a coverage lapse.
Does bundling help with Casa Grande haboob or monsoon claims?
Yes. When one weather event damages both a home and a vehicle — common in Pinal County — some bundled policies apply a single combined deductible rather than two, reducing out-of-pocket cost on the claim.
Why use an independent agent instead of buying online?
Independent agents like Gebhardt access carriers that don’t sell direct, apply unpublished discounts, and identify coverage gaps in cheap online quotes. Gebhardt also provides a local office, 24/7 claims access through carrier partners, and has held awards, including AAA’s Emerald Achievement Award.