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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?
Nick Kunze · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
Unfortunately, you can’t negotiate the price offered by your provider.
But you can lower your costs by:
- Raising your deductible. You payyour deductibleout-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 appJerrycan compare dozens of quotes from top insurance providers to get you the policy you need at the lowest price.
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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