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How to Negotiate My Car Insurance

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Things to know...
  • The easiest way to get an affordable policy is to ask your agent about special offers and discounts
  • To make sure you receive the best deal, ask about hidden fees that carriers do not disclose before signing the agreement
  • You should keep an eye out for gradual rate hikes that the carrier doesn’t inform you about and immediately talk to your agent if you notice a spike in your insurance cost.
  • Your carrier won’t be able to upsell you pricier policies that you don’t need if you are well-informed about the amount of coverage you need
  • To find the best price for the most amount of coverage, compare rates from various providers using an online tool
In theory, insurance companies are supposed to have one policy rate to fit certain criteria. In practice, if you shop around, you will see for yourself that prices differ widely according to carriers.

If you are seeking the best car insurance you can afford, you should get as many quotes as possible. All car insurers use different factors to price their policies, so looking at multiple companies is essential. This increases the odds that you will find the best coverage that you can afford comfortably.

Comparing policies online makes the process easier so you can examine what each provider has to offer without wasting a lot of time. You can compare rates with our free insurance quote tool above today! 

The vast majority of car insurance companies will take your credit history into account when they offer you a quote. If you build your credit score over the course of a few months, you are entitled to ask for a better rate either from your current insurer or from another carrier.

No matter how tedious and time-consuming finding the best rate that works for your budget is, it will save you a lot of money in the long run. Vehicle owners tend to forget about their policy after they purchase it and don’t bother to figure out expenses or deductibles.

Before you put your name on any insurance agreement, make sure you are getting the best deal. Here are a few hand-picked tips to help you negotiate your car insurance with your agent for the best rates:

Ask Questions

adobestock_86115954-1600x1600Whether you talk to an insurance company agent face to face, on the phone or via emails, make sure to ask questions. Even if you seem to strike a good deal from the first carrier you talk to, keep researching and get as many quotes as possible.

Insurers won’t notify you about discounts unless you ask beforehand. Ask your agent what makes the services they offer stand out from the crowd.

At the same time, use an online tool to compare prices offered by different carriers and bring this up in your discussion with each agent. By doing background research in advance you will feel confident during your talk with your agent and they will not have an easy time tricking you into overpaying for your policy.

Keep an Eye out for Hidden Fees

A lot of insurance providers are not upfront about all of their fees. This is one of the problems that you may not be aware of and which will drive the cost of your insurance up.

While some packages become more expensive in time, others comprise fees that you might not notice when you sign the agreement.

You should keep an eye out for additional costs on top of premiums and deductibles, recurring costs or administrative fees. Although these might seem insignificant on paper, the total cost can become high and unjustifiable for the coverage you are getting.

Be Aware of Gradual Rate Hikes

Being a faithful, long-term customer doesn’t necessarily imply the insurance company will offer you discounts or better rates. On the contrary, they might be inclined to use this to their advantage since they know you won’t leave.

As a result, the provider can steadily increase your rate over the course of a few months, knowing that terminating a policy and finding another carrier is time-consuming and tedious.

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Make Sure You Know the Amount of Coverage You Need

If it’s the first time you are shopping for insurance, you might have to double check what the right amount of coverage for your car is.

The cheapest policy is not always the best or safest way to go. When comparing insurance plans, look for the most coverage that you can afford comfortably. If you only get the minimum coverage that is required by law , this might only cover the other party’s costs, leaving you with your own expenses to pay out-of-pocket.

Shop Around

AdobeStock_61298662-1600x1600Probably the best way to find the cheapest insurance for your vehicle is to shop around. The first step should always be researching various carriers and getting familiarized with what they offer. You can then compare their rates and discounts and see which one works best for your needs and preferences.

When you are negotiating your policy with the insurance agent, make sure to ask how much you will be paying in premiums and deductibles.

Premiums are what you will actually be paying for insurance whether it’s on a month-by-month basis or upfront for a six-month or twelve-month period.

Deductibles are the money you will have to pay out of pocket before your insurance provider pays the rest.

Make as many phone calls as needed and keep an updated spreadsheet with the discounts, offers, and quoted rates different carriers offer you.

A wide array of factors such as the age of the car, your profession, your driving record, and anti-theft systems on your vehicle might help you score lower rates.

Why Good Car Insurance Is Important

Comparing insurance providers and negotiating with your agent from the beginning can potentially save you hundreds of dollars and a lot of time.

However, choosing a reputable insurance company, even if it’s a few dollars more expensive than its competitors, will prove to be a wise decision in the long run.

With a good car insurance, in case of an accident, your provider’s expertise and experience should help you throughout the entire process of finding a reputable repair shop and getting your claim settled. A good car insurance offers peace of mind and helps you save money down the road.

Don’t miss out on our free insurance comparison tool below! Just enter your zip code and start comparing rates now!

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