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?