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How do you negotiate insurance premiums?

Is it possible to negotiate car insurance premiums? I've requested quotes from several companies and they're all really high. What can I do?

avatar
Emily Maracle · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
“While you can shop around for
car insurance
, it’s not possible to negotiate car insurance premiums.
Car insurance companies look at a variety of factors when determining rates for individuals. These include:
  • Your age
  • Driving record
  • Credit history
  • Type of vehicle you drive
  • Coverage you require
  • Address
While every car insurance company uses these factors, they weigh them differently. That’s why it’s important to shop around for insurance—the
rates you are quoted
will vary by company.
If you’d rather leave the hard work of gathering quotes to someone else, use
Jerry
. The Jerry app can collect quotes from up to 50 top insurance companies in seconds and deliver them straight to your phone for free.”
View full answer 
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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