How do I negotiate for cheaper car insurance?

Just got my new monthly costs for my car insurance. I can't believe how much the price went up! How do I negotiate for cheaper car insurance?

Answer
Unfortunately, you can’t negotiate the price offered by your provider.
But you can lower your costs by:
  • Raising your deductible. You pay your deductible out-of-pocket for every claim. If you have a high deductible, your monthly rates will be lower. The trade-off is you get less payoff for every claim.
  • Lowering your coverage, especially on older vehicles. Losing your comprehensive or collision coverage will save you money month-to-month. This option will leave your vehicle open to serious repair costs, however.
  • Asking about discounts. Many insurance providers offer discounts for drivers who bundle their home and auto insurance, take a defensive driving class, or drive with a telematics device in the car, among other possible discounts.
  • Looking for a new policy. The insurance broker app Jerry can compare dozens of quotes from top insurance providers to get you the policy you need at the lowest price.
georgina grant
Answered on Nov 08, 2021
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