I live in the US (Illinois).
If I have 2 cars, and:
For car #1, insurance company "A" has a better rate, and for car #2, insurance company "B" has a better rate.
Assuming the difference in rates is more than the multi-car discount of either insurance company, it might be cheaper to insure each car with a different insurance company.
Some time ago, I had heard that this was not allowed... that you had to use the same insurance company for all your vehicles. But, I don't remember where I had heard that, or if it was accurate, or if it might apply to Illinois, or not.
Is it legal to insure each car with a different insurance company?
To be clear, I am not talking about "Double insuring" a vehicle, and I'm not talking about splitting liability and collision/comprehensive coverage on the same vehicle between 2 different insurance companies... 2 cars, 2 insurance policies, one insurance policy with full coverage (liability and collision/comprehensive) for each car.
Also, the question is not about whether or not an insurance company might not like you to do this, or whether doing it might be problematic. The question is, is it legal to do it. In other words, are there any laws or regulations that would prohibit this.
And to further clarify, that could be laws or regulations preventing an insurance company from this, or laws or regulations preventing a person from obtaining insurance this way.