Insurance bundling matters because it gives you the best available rate. Worried about your auto insurance rates but don’t have your home with the same company? Well the auto/home discount is 1 way to lower the rates. Have life insurance? Make sure it’s with the same company to get the auto/home/life discount. Have ATV’s, Motorhome, or Motorcycle? Make sure it’s with the same company to get the auto/home/life/specialty discount. See where this is going?