Can I haggle with insurance companies?

I think my insurance company is charging too much for my car insurance; I have a good credit score and a good record, but I still pay a significant amount per month. This doesn't seem entirely fair. Can I negotiate or haggle with them to reduce my costs?

Answer
“While you can customize your coverages with car insurance companies, you can’t haggle or negotiate your price with them.
There are a variety of factors that go into determining someone’s insurance rate. Every insurance company has rating standards and your personal factors determine where you fall. Some factors include:
  • Age
  • Location
  • Driving record
  • Claims history
  • Insurance history
Once you have a base rate with companies, the coverage you choose can raise or lower your insurance costs. Having liability car insurance will always be less expensive than full coverage.
Your rate is also influenced by additional coverages or qualifying discounts. If you have a good credit score and a good record, you can check with your company to see if you would be eligible for any discounts they offer!
There are many discounts most major companies offer, including:
If you want to see if you could get a better deal on your coverage from another carrier, though, try checking out Jerry. With the Jerry app (always free to download) we’ll get you multiple customized quotes instantly, so that you can choose the best deal for you. If you want to switch your policy or provider, we’re here to help! That way you can focus on where to use your new savings and let us worry about the paperwork and phone calls.”
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Emily Maracle
Answered on Sep 10, 2021
Emily Maracle is a car insurance specialist living in New York. Originally from the Pacific Northwest, she has a degree in English Literature and a background in customer service. She enjoys cooking, gardening, and living sustainably. In the future, she can't wait to upgrade to a hybrid or electric car.
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