How Drivers Should Negotiate For Better Auto Insurance Rates

LOS ANGELES, Jan. 31, 2021 /PRNewswire-PRWeb/ -- has launched a new blog post that presents several important tips that will help drivers negotiate lower car insurance premiums.

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Negotiating a lower car insurance premium from the insurer is similar to negotiating a lower rate with any other service provider. The policyholders have to call the company, politely explain the situation, and see if they can offer a better rate. Policyholders who have been with the same provider for many years and have multiple home and auto insurance policies with the company are in a better position to negotiate a lower rate than someone who bought an insurance policy last week.

To increase the chances of getting a better deal from the insurer, drivers should follow the next tips:

    --  Be polite but firm. Calling a car insurance company to demand lower
        premiums might not be a great idea. Most specialists recommend a polite,
        but firm approach.
    --  Be persistent. Most provider representatives will initially deny any
        requests to lower the premiums. Policyholders should be persistent with
        their requests. It also helps if they explain to the representatives
        that they have been a customer to the company for many years and they
        have many policies at them.
    --  Research scripts online. Drivers can find various scripts online
        explaining how to negotiate lower car insurance premiums. These scripts
        explain what drivers should say to have higher chances of getting a
        discount and how they should respond if the insurer denies their
    --  Search for comparable car insurance policies. Sometimes, drivers are not
        entitled to a discount because they are already paying a competitive
        premium for insurance. Drivers should check if they can find comparable
        insurance plans at cheaper premiums. If they can't find one, then their
        chances of getting a lower premium are very small.
    --  Ask about discounts. Insurance companies offer many different discounts.
        Policyholders should ask about bundling discounts, safety equipment
        discounts, defensive driving discounts, good student discounts, and
    --  Ask about changing the policy. Policyholders can get lower premiums by
        simply dropping unnecessary coverage. For example, drivers who have a
        AAA membership can drop their roadside assistance.
    --  Shop around. There are many brokerage websites that allow users to
        easily compare car insurance premiums between providers. Drivers should
        compare several online quotes and check offers. If the rates being
        offered are significantly lower, drivers can use this information when
    --  Prepare for rejection. Car insurance companies frequently get calls from
        their customers who want lower insurance premiums. Usually, the customer
        service agent will tell that the rates are fixed and they can't be
        adjusted. This is not true in most cases and the rates are negotiable.
    --  Get a higher deductible. One of the most popular methods used to get
        lower car insurance premiums is to raise the deductible. Drivers who
        have a $500 deductible can get a substantial discount by simply raising
        the deductible to $1,000.
    --  Hang up and call back. Sometimes, drivers can get a customer agent who
        is not willing to negotiate anything. In this case, policyholders should
        call back and try again at a different agent.

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