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Can I negotiate a rate with the car insurance company?

I've been shopping around for car insurance, but all the prices seem outrageously expensive. I don't want to pay money that I don't need to, so is there any way to negotiate with a car insurance company on rates?

avatar
Eric Schad · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
“We’re all looking for ways to save money, so this is a great question.
Since the
car insurance
industry is heavily regulated by each state, you cannot negotiate rates with a car insurance company.
However, there are ways to get a better rate. Establishing a
clean driving record
will certainly help lower your rate. In addition, you can search for discounts, such as a:
If you want to make sure you’re getting the best rate possible for the coverage you need, try using the
Jerry
app. We’ll get you quotes from numerous insurers so you can choose the rate that works best for you—and once you decide on a new plan or provider, we’ll even help you switch!
Good luck in your search for insurance, and may all your rates be low.”
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Jerry partners with more than 50 insurance companies, but our content is independently researched, written, and fact-checked by our team of editors and agents. We aren’t paid for reviews or other content.

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