Some years bundling works best, other years I find a better deal separately. I think it was Liberty Mutual that I had both for a while. For the next year, I had my agent check with my current bus. liab. co which is WestGuard (Berkshire Hathaway) and turns out they will write a non-owned auto policy and for only $500 a year! Catch is my drivers need to have 100k/300k limits on their policies.