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Can I haggle with insurance companies?
I think my insurance company is charging too much for my car insurance; I have a good credit score and a good record, but I still pay a significant amount per month. This doesn't seem entirely fair. Can I negotiate or haggle with them to reduce my costs?
Emily Maracle · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
“While you can customize your coverages with
car insurance companies
, you can’t haggle or negotiate your price with them. There are a variety of factors that go into determining someone’s insurance rate. Every insurance company has rating standards and your personal factors determine where you fall. Some factors include:
- Age
- Location
- Driving record
- Claims history
- Insurance history
Once you have a base rate with companies, the coverage you choose can raise or lower your insurance costs.
Having
liability car insurance
will always be less expensive than full coverage. Your rate is also influenced by additional coverages or qualifying discounts. If you have a good credit score and a good record, you can check with your company to see if you would be eligible for any discounts they offer!
There are many discounts most major companies offer, including:
If you want to see if you could get a better deal on your coverage from another carrier, though, try checking out
Jerry
. With the Jerry app (always free to download) we’ll get you multiple customized quotes instantly, so that you can choose the best deal for you. If you want to switch your policy or provider, we’re here to help! That way you can focus on where to use your new savings and let us worry about the paperwork and phone calls.”View full answer
- Gregory R.
WHY YOU CAN TRUST JERRY
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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