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What is the best way to haggle with car insurance companies?

Is there such a thing as price haggling with an insurance company? My friend keeps bragging about how she got such a great price with her insurance company. She said she haggled with them and threatened to cancel her policy.

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Shannon Martin · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
“It is a common misconception that you can be haggle with insurance companies or they price match competitors.
Depending on how the conversation goes, it might feel true, but insurance companies legally can’t offer a discount to one person and not the other.
When a customer contacts their insurance agent and requests a lower
car insurance
premium, all agents do the same thing no matter what company they work for. They will:
  • Review the policy as a whole
  • Check for any
    policy discounts
    that the customer is eligible for
  • Check for any life changes that may help lower the rate
  • Offer to reduce coverage to lower the premium
There may have been discounts available to your friend, like a telematics discount, that she wasn’t aware of yet. Or maybe her defensive driver discount expired, so the agent added it back on
Insurance commissioners heavily regulate insurance companies to make insurance pricing is as fair as possible. Discounts need to be available to every customer that qualifies for them.
If you are looking to lower your rate, get in touch with your agent and ask for a policy review. If your rate isn’t where you want it after, it is time to shop for a
cheaper insurance
policy!
If you want to save money on car insurance, the
Jerry
app is a good place to start. 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 cancel your old policy.”
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