Don't lose the multi-policy discount by changing only one policy. Many companies want to have your auto policy as the underlying coverage for your umbrella, so you need to find out that price too. Some won't write the umbrella without carrying the underlying liability policy. If you're eligible, call USAA. If you go to a Liberty Mutual local office, they give multi-policy discounts even if you have different carriers, as long as you buy it through them. You can't just buy auto insurance any more and be done.
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