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How can I negotiate my car insurance price?
Can you negotiate the cost of car insurance? My rates are high. I know I can negotiate settlements and claims with car insurance companies. Is my premium up for negotiation?
Emily Maracle · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
“While you do have the ability to negotiate settlements and claims with
car insurance companies
, you aren’t able to negotiate your car insurance price.States regulate car insurance companies and their rates. Since companies must follow specific rules and mandates, you can’t negotiate your rate.
Additionally, car insurance rates are based on personal factors. When determining rates, car insurance companies look at things like your address, driving record, credit history, and the type of vehicle you drive. As these vary from person to person, it wouldn’t be fair to negotiate a lower rate—especially if you didn’t have a clean driving record or drove a high-risk vehicle.
If you are looking for a lower price for your car insurance, you should shop around. The
Jerry
app makes it easy. A licensed broker, Jerry does all the hard work of finding the cheapest quotes from the top name-brand insurance companies and buying new car insurance. Jerry will even help you cancel your old policy.”View full answer
- Gregory R.
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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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