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4 steps to negotiating lower car insurance — with scripts

Negotiating lower car insurance can help you save hundreds of dollars each year. Here’s how to lower car insurance in 4 steps today.

Ramit Sethi

My first car was a rickety 12-year-old van that belonged to my parents. Actually, to call it “rickety” is being overly generous. That thing was a death trap. I remember having to drive in the right lane so when it broke down (not if) I could pull over without hassle.

In my last year of college, while I was driving to a bunch of business meetings, I decided enough was enough — I was going to buy a new car. When I decided to buy, I contacted over a dozen dealerships, told them exactly what I was looking for in a car and said I’d go with the lowest price offered to me…

…and the offers poured in. It resulted in a bidding war that led to a downward spiral of amazing deals on new cars and me landing one $2,000 under invoice. And that’s when I learned about the powerful combination of negotiation and cars.

But the fun doesn’t stop when you buy your car. You can use the same power of negotiation to get amazing deals on your car insurance. And because you pay insurance monthly, the gains only compound over time. I’ll show you how.

The importance of good car insurance

When I first purchased car insurance, I ended up getting it from a company with fantastic insurance rates because I wanted to save money each year. But it was also the worst insurance company in the world.

The company lost my paperwork, “accidentally” overcharged me, and spammed my mailbox every week with letters. Eventually, I got fed up and decided to switch. After calling a bunch of places and negotiating with different insurers, I found a company that saved me nearly $200 every six months (almost $400 a year).

If I would have compared and negotiated from the start, I would have saved hundreds of dollars and lots of headaches.

My point? Insurance is not a commodity. If you go with the cheapest insurer and it turns out that they “accidentally” overcharge you — and worst case scenario — can’t even fulfill your claim, then it’s your fault.

That’s why you want to pick a reputable company even if that means paying $50 or so more each year. And negotiating a great rate with these companies isn’t that complicated either — as long as you follow the steps I outline below and use the right scripts.

How to negotiate car insurance

Step 1: Set a goal of how much coverage you need

Most US states — besides New Hampshire and Virginia — require you to get car insurance as well as a certain amount of liability coverage you need.

When it comes to the amount of liability that’s required, you’ll typically need to find coverage in three areas:

  1. Bodily injury (per person). This is the amount that is covered for each person who gets hurt during an accident.
  2. Bodily injury (total). The most an insurance company will cover for bodily injury per accident.
  3. Property damage (total). This does not include your own property. This amount only covers the damage sustained to the property of others.

Though every state requires you to get a certain amount of liability coverage, the full amount of the coverage varies.

Here’s a comprehensive list of car insurance coverage requirements for each state (ex: Alabama requires $25,000 for bodily injury per person).

STATE

BODILY INJURY (PER PERSON)

BODILY INJURY (TOTAL)

PROPERTY DAMAGE (TOTAL)

Alabama

$25,000

$50,000

$25,000

Alaska

$50,000

$100,000

$25,000

Arizona

$15,000

$30,000

$10,000

Arkansas

$25,000

$50,000

$25,000

California

$15,000

$30,000

$5,000

Colorado

$25,000

$50,000

$15,000

Connecticut

$20,000

$40,000

$10,000

Delaware

$15,000

$30,000

$10,000

Florida

$10,000

$10,000

Not required

Georgia

$25,000

$50,000

$25,000

Hawaii

$20,000

$40,000

$10,000

Idaho

$25,000

$50,000

$15,000

Illinois

$25,000

$50,000

$20,000

Indiana

$25,000

$50,000

$10,000

Iowa

$20,000

$40,000

$15,000

Kansas

$25,000

$50,000

$25,000

Kentucky

$25,000

$50,000

$10,000

Louisiana

$15,000

$30,000

$25,000

Maine

$50,000

$100,000

$25,000

Maryland

$30,000

$60,000

$15,000

Massachusetts

$20,000

$40,000

$5,000

Michigan

$20,000

$40,000

$10,000

Minnesota

$30,000

$60,000

$10,000

Mississippi

$25,000

$50,000

$25,000

Missouri

$25,000

$50,000

$10,000

Montana

$25,000

$50,000

$20,000

Nebraska

$25,000

$50,000

$25,000

Nevada

$15,000

$30,000

$10,000

New Hampshire

(Coverage is optional but this is the minimum if you purchase it)

$25,000

$50,000

$25,000

New Jersey

$15,000

$30,000

$5,000

New Mexico

$25,000

$50,000

$10,000

New York

$25,000

$50,000

$50,000

North Carolina

$30,000

$60,000

$25,000

North Dakota

$25,000

$50,000

$25,000

Ohio

$25,000

$50,000

$25,000

Oklahoma

$25,000

$50,000

$25,000

Oregon

$25,000

$50,000

$20,000

Pennsylvania

$15,000

$30,000

$5,000

Rhode Island

$25,000

$50,000

$25,000

South Carolina

$25,000

$50,000

$25,000

South Dakota

$25,000

$50,000

$25,000

Tennessee

$25,000

$50,000

$15,000

Texas

$30,000

$60,000

$25,000

Utah

$25,000

$65,000

$15,000

Vermont

$25,000

$50,000

$10,000

Virginia

(Required if you choose to purchase coverage. If not, you must pay a $500 uninsured motorists fee)

$25,000

$50,000

$20,000

Washington

$25,000

$50,000

$10,000

Washington, D.C.

$25,000

$50,000

$10,000

West Virginia

$25,000

$50,000

$25,000

Wisconsin

$25,000

$50,000

$10,000

Wyoming

$25,000

$50,000

$20,000

For an even more comprehensive look at what your state might require for car insurance, be sure to check out your state’s department of transportation website.

Other coverage options

Aside from state requirements regarding liability, most car insurers will provide 5 other coverage options. Deciding which ones you want is a matter of personal preference and factors like how old your car is.

The coverages are:

  1. Uninsured motorists. Some states require you to be insured to protect against uninsured motorists. This coverage helps you in the event that you get into an accident with someone who isn’t insured and can’t pay for your car repair and/or medical bills.
  2. Medical costs. If you’re injured in an accident, the insurance company will pay some or all of your medical bills (depending on the coverage and how much the bill is).
  3. Personal injury protection. Like uninsured motorists coverage, some states require you to get this as a minimum. This pays for any medical expenses or lost wages you might encounter due to a collision.
  4. Collision. This coverage typically protects your vehicle against collisions with other motorists or objects. Good if you’re prone to accidentally backing up into the mailbox.
  5. Comprehensive. This coverage tends to cover the whole gamut of things that might happen to your car such as hail, water, and fire damage; if it gets stolen; vandalism; or total destruction. I wouldn’t suggest getting this coverage if your car is already pretty old or isn’t worth much.

Consider your options and decide what you want out of your insurance coverage. Once you do that, you’ll be ready for step 2.

Step 2: Figure out your current plan

If you don’t have your current plan in front of you, how can you hope to save?

That’s why you need to find out what your current policy looks like. Go digging through the glove compartment for it, check your files, or call your insurance company. This is important information you can leverage when negotiating with your current insurance provider.

At a very least, you need to know how much you’re paying and for what services.

Here are the numbers of the most popular car insurance providers that you can use to call to find out your policy now.

Geico

1-800-861-8380

AAA

1-866-539-8033

Allstate

1-866-704-9900

Progressive

1-800-776-4737

State Farm

1-800-STATE-FARM (1-800-782-8332)

By now you should have your policy in front of you. This includes what type of coverage you have as well as your deductibles and how much you’re paying in premiums.

You’re now ready to begin comparing it with other car insurers.

Step 3: Shop around

To start, you can use a rate comparer tool such as this one to compare quotes from different insurers.

I prefer talking to a rep on the phone, though, because they always tell me about other deals that the websites don’t offer.

When consulting with a rep or looking up quotes online, be sure to find out how much exactly you’ll be paying in these two areas:

  • Premiums. This is the price you’ll pay for your plan. Typically, insurers offer 6-month and 12-month policies, and provide options for payment plans including paying for coverage all at once, quarterly, or month-by-month.
  • Deductibles. This is the portion you’ll pay out of pocket before your insurer pays the rest.

Not many people know this but you can actually lower your premiums by opting for higher deductibles. According to a report from InsuranceQuotes.com, you can lower premiums by 9% by raising deductibles from $500 to $1,000.

This is all a matter of personal preference though. If you’re a good driver and/or don’t typically drive your car often, opt for higher deductibles for lower premiums.

If you’re accident prone, drive a lot, or have kids that plan to learn how to drive soon, definitely opt for the lower deductible.

No matter the case, you should know exactly the coverage you want along with the limits for each. That way it makes everything much simpler to compare.  

To help keep everything organized, you can use an Excel or Google Spreadsheet. Here’s a good template to leverage during your search.

Once you get a few solid quotes, compare them to what you’re currently paying. You’re going to be able to make a sound argument with your insurance rep as to why you should get a lower rate once you do.

Which brings us to…

Step 4: Lower your rates with this car insurance negotiation script

Now it’s finally time to call up insurance reps — including the one you currently have — and negotiate an awesome deal with scripts.

Before you do that, though, there are two things to keep in mind when speaking to a representative.

  1. Stay polite — but firm. Don’t just call up the rep and scream, “GIVE ME LOWER CAR INSURANCE!!!!” (I’ve tried, it doesn’t end well.) You need to handle the negotiation with finesse and civility — even if the representative is short with you. Nothing throws a wrench into negotiations quite like pissing off the one person who can help you.
  2. This is not a win/lose situation. You can’t just make a demand and expect the person to give it to you. However, insurance companies are willing to offer discounts to make or keep high-value customers. Prepare to make your case as to why you’re such a good customer and you’ll see results.

Keep those two things in mind when you call up the representative and I promise you, you’ll find a great deal.

Calling to renegotiate your current policy

If you already have a car insurance policy but just want to negotiate for better rates, use the following script.

ACME INSURANCE: Hello, Acme Insurance. How may I help you today?

YOU: I’d like to negotiate a policy. [Other insurance company] is offering to insure me for $XXX less for [coverage]. I’d like to know if there’s a better deal from you, please.

Wait for their response. Negotiating with this technique is much harder to do with car insurance companies than banks — but it is possible. If they’re stubborn and try to shoot you down, keep pressing at it. Don’t make it easy for them to say no.

ACME INSURANCE: Sorry, but our rates are fixed at this time and we can’t change it due to [some BS excuse about why they can’t give you a lower rate].

YOU: Well, I’ve been a good driver for X years now and would love a lower rate. What else can you do to help me?

ACME INSURANCE: Hmm, one second sir. I see that you’re a really good customer. I’m going to check with my supervisor. Can you hold for a second?

[hold]

I was able to check with my supervisor and can lower that policy by X%. Does that work?

Getting a response like that is the best case scenario. However, there might be the chance that they deny you a discount based on this tactic alone. If this happens, I suggest you do the following:

  1. Don’t stop until you get a yes. Persistence is integral in negotiations. If you keep at it and make a strong case, they’ll be backed into a position where they’ll want to give you what you want.
  2. Try again later. Like the Magic 8 Ball says, sometimes you just have to try again later. If the first car insurance rep keeps shutting you down, thank them for their time, hang up, and dial again for a new rep. This one might be a little more amenable to your suggestions.  
  3. Refocus your negotiations. If they won’t give you a discount because their competitors are offering better rates, don’t worry. There are still other ways to get fantastic deals — which I’ll go into in the next section.

This isn’t the only way to get a lower car insurance rate, though. By asking certain questions, you’ll be able to unlock deals you didn’t even know existed.

Calling to negotiate a new policy

You might be searching for your first car insurance policy ever. Or you might be looking to see what’s better than your current one.

No matter the case, it’s time to start digging deep and asking detailed questions to uncover the saving these companies have hidden from you. The majority of people won’t even ask questions like these, so reps will be caught off guard — giving you the advantage.

First, you’re going to want to start the same as above. Here it is again.

ACME INSURANCE: Hello, Acme Insurance. How may I help you today?

YOU: I’d like to negotiate a policy. [Other insurance company] is offering to insure me for $XXX less for [coverage]. I’d like to know if there’s a better deal from you, please.

If they shoot you down, remember you can always:

  1. Reiterate the fact that you want a better deal and keep persisting.
  2. Hang up the phone and call back to negotiate with a different rep.

If you get the lower rate — or even if you don’t — you can refocus the negotiations and start asking for the hidden deals that many car insurers don’t tell you about.

Here are a few good questions to ask to uncover those gems:

“How much would I save if I insure my car and house with you?” Some insurers will discount if you insure your house through them as well as your car.

“What about renewal discounts? What can you offer me as a discount for long-term membership?” Reminding them of the fact that you’re looking to be a longtime customer goes a long way in ingratiating yourself to them.

“Can I save money by prepaying my entire year up front?” Many insurers will offer huge policy discounts if you prepay for an entire year.

“Let’s check my car. I know other firms offer discounts for features like anti-lock brakes. What about you?” Not many people realize this, but many car insurance companies will offer better premiums if your car has safety features such as anti-lock brakes, airbags, and four wheel drive.

“What kind of low-mileage discounts do you offer?” If you find yourself taking the bus or biking to work more than you ever drive, you might qualify for a low-mileage discount with car insurance companies.

“If I enrolled in a defensive-driving course, what kind of discount would you offer? Oh, really? Which courses qualify?” Car insurance companies want you to be a safe driver. That’s why some are willing to discount you if you take a course aimed at making you one.

“What about discounts for my employer? (Tell them the specific name of your employer.)” Some employers partner with car insurance companies in order to get great rates for their employees. Check to see if your company does this.

“Some insurance companies offer discounts for low-risk occupations (engineers). What kind of competitive rates do you offer?” Insurance companies take a look at many things when it comes to determining your rate — including your employment. After all, a NASCAR driver is probably going to have higher rates than a CPA.

“Am I paying for roadside assistance? What other additional benefits am I paying for?” Many times, you don’t need certain benefits such as roadside assistance (if you’re in AAA, you already have it). In fact, many credit cards offer roadside assistance as well. Getting rid of these “benefits” could give you a good discount.  

“Can you walk me through the deductible changes I could make to save money?” Deductibles are what you pay before your insurance policy kicks in. By requesting higher deductibles, you can lower your costs substantially. For example, increasing your deductible from $200 to $500 could reduce your collision and comprehensive coverage cost by 15 – 30%. Going to a $1,000 deductible can save you more than 40%. Before choosing a higher deductible, be sure you have enough money set aside to pay it if you have a claim.

It seems like a lot of work — and it is. But this is the work that 99.9999% of people out there won’t do, which means your returns can be substantial if you do them.

Check out this graph I made of different rates that insurance companies were offering me.

auto insurance quotes range ramit

The difference between the lowest quote (USAA) and the highest (Liberty Mutual) is $602 per year. That’s a 50% savings for a few phone calls.

You can earn similarly low rates with just a few phone calls and scripts. Try some of these tactics out this week and let me know what you find in the comments.

Beyond car insurance negotiations

If you couldn’t tell already, I LOVE negotiations — mostly because I got it from my parents.

I remember my dad once dragged me with him as he spent an entire week negotiating at a dealership on the price of a car.

After many days of back and forth with our salesperson, they finally reached a price they could agree on. BUT as he was literally about to sign the contract, he asked the dealership to throw in some extra floor mats.

They said no.

And he walked away.

An entire week’s worth of bargaining them down to an incredibly fair price, only to walk away when they didn’t give him something he could have bought for less than 50 bucks at Target.

What’s my point? Two things:

  1. My mom and dad are incredibly Indian.
  2. You have to be stubborn to be a good negotiator.

I’m a big believer that negotiations can open up HUGE savings for you.

That’s why I want to give you something that’ll help you save and earn more money through negotiations and other proven systems: The Ultimate Guide to Personal Finance.

The money you save on lowering your car insurance is great, but it’s small compared to everything you can save when you optimize your personal finances.

That’s why I’ve outlined my entire system in this no-BS guide on how to make your personal finances work for you.

And it’s all for FREE.

Download the Ultimate Guide to Personal Finance

100% privacy. No games, no B.S., no spam. When you sign up, we'll keep you posted with a few emails per week.

153 Comments

 
  1. Battra92

    Of course, in Massachusetts, you’re screwed, especially if you are subsidizing bad Boston drivers (despite me being much closer to Albany or Hartford than Boston)

    Plus a lot of insurance companies won’t set foot in the state but I will have to check out some of the others tonight.

    • iuginictrunk

      Ugh. I’m in Mass too. My only advice is to look into every company you can. Even ones that are hard to get into (USAA for example; needing to have a family member in the military at some point in their life). Just get enough info from a ton of different companies and compare. Expect to spend a few hours researching. It will pay off – literally – in the end. I found $25/month rates (from Insurance Panda) and $30+ rates from a few other places. The research really was worth it.

  2. Jennifer

    I’m a Florida resident and was with AIG, paying $1888 per year. Then I called around and was quoted these rates: $1688 for AllState and $1086 for State Farm. Obviously I immediately signed up with State Farm, and they even have an office right across the street from where I work.

    Savings: $802 a year

    I have to admit, I had no idea how dramatic the difference would be!

    Becoming The Marshmallow

    • Bruce

      The thought occurred to me after reading the Marshmallow blog,(cute story;you must have been smokin’ mad), Did you think to share some of your $802 savings with Ramet? lol

  3. Dawn

    Yep, I am also stuck in the Massachusetts conundrum. No big insurers here…supposedly to keep costs low, although I haven’t seen any evidence of that being true. I had and loved Geico in Virginia, but when I moved to MA, they wouldn’t insure me anymore. It’s probably the best bet for me to check my current policy and see if there’s anything I can modify.

  4. Ryan

    You should do this every couple of years. Insurance companies tend to get comfortable with their customers and don’t give them all the discounts they might be entitled to and/or rates often fall for one reason or another. So Company “A” is cheaper one year, but Company “B” will be cheaper the next.

  5. Jennifer

    For my husband and I we decided to stick with someone local that we trust and that offers good advice. We figure what money could possibly be saved by going with another provider is not worth it since we can call up our agent at any time with questions or if we need to put in a claim. I would say this was a top priority – and it has proved useful.

    That said I did check to see if there was a way I could lower our car insurance. One thing I changed was that I reduced our yearly mileage estimate for our SUV. I had changed jobs and now we commute together for work in 1 car. So by reducing the mileage I reduced our premium for that vehicle by $60-$70 a year.

    Also I would recommend doing multiple-line insurance for car, home, and life insurance. We save a lot of money by doing that as well as remaining accident-free and long time customers.

  6. Brian

    I don’t know why everyone is complaining about Massachusetts. You do know that they dropped the government regulation of auto insurance back in April or so, right?

    I was paying about $2000/year for my Audi A4 with Commerce/AAA. This was since March. I’m 22, have a clean record, and the car has AWD, anti-theft, everything.

    Several months ago, around July, I realized that I can get a discount on MetLife with my company. I called them and now I pay $1050. That’s $950 less for about 30 minutes worth of phone time. I got an additional discount because I opted to have my bill taken out of my pay each paycheck automatically. It’s about $41 per paycheck. And I have BETTER coverage and don’t have to worry about paying the bill every month.

    Just because you’re in MA doesn’t mean much of anything, except for the fact that you’re not willing to try and save some money. There are some very big insurers here, such as MetLife and Progressive (which my fiance has).

  7. Eric

    Also, keep in mind, there are a lot of carriers out there that many people don’t think/know about. I use MetLife, and their niche is high credit, low number of infractions. If this is you, I would find it hard to find a company that is lower than them. Also, I have had to make claims in the past (none recently…*knock knock*), and the claims process was simple and I had a check in 2 weeks. They offer the same $50 off your deductible for each claim free year as Allstate, they have great programs for teen drivers, etc. Don’t overlook companies just because you always hear of the same “Big 3”. Just my piece of advice.

  8. Rachel

    Esurance is a viable option as well. After shopping Pemco, Farmers, and Progressive, Esurance was the winner. I must admit that we don’t have perfect driving records due to some weird twist of fate last year — 3 tickets within 2 months…after YEARS of clean driving history. Esurance charges us up the ass, but less so than the other big insurers. Multiple line disocunt didn’t help us in this case…Esurance’s offer was more than getting a homeowner’s policy somewhere else. So, that’s what we did. I probably could have talked them into matching the competitor…didn’t even think of that at the time.

    Total savings: approx $500 per year.

  9. M E W

    I just switched to Liberty Mutual today–the kind of car I drive (MINI Cooper) and my job give me discounts that actually knocked $120 from GEICO’s offer, which was the lowest I had at this point.

    Plus, when I did that, I also told them what my current renter’s insurance was–I just knocked $2/mo. off that as well by switching to my new Car Insurance carrier.

    So, by combining Tips #10 and #13, I’ve saved $122 TODAY.

    Thanks!

  10. Dawn

    @Brian — thanks for the tip, I didn’t know they had dropped that crap. I moved here late last year and hadn’t looked into anything since. I will be sure to do so now.

  11. Doug

    If you live in Texas & don’t drive a lot check out milemeter.com where you can purchase your auto insurance by the mile rather than by term/time. We’ve had numerous people save 40 to 60% over their existing auto insurance.

    Good tip, btw. One person who had switched to us had been with his insurance company (one of the ones listed above) for more than 20 years. No accidents, speeding, etc, but his policy with that company continued to go up over time. Regardless of you insurance company, you need to beat them up over price every once and a while.

    Disclaimer – I *do* work at MileMeter

  12. Ramit Sethi

    2 things:

    1. Sorry for that annoying auto-play music. I turned it off.
    2. I added this note above: “Don’t forget: Insurance is not a commodity. If you pick the cheapest provider to save $50/year and they end up not fulfilling your claim — which you could have reasonably known by searching out reviews for the company — it’s your fault. Pick a good company because it can be worth thousands of dollars.”

  13. acidspit

    You should also be aware that different states have different regulations. Most insurers will give you a multi-line discount: if you have fire and auto insurance, then a 10% discount, if you have auto and life, 15% discount, etc. Discounts for car features are, as far as I know, not a separate discount line items that insurance agencies can apply a discount to. That’s probably a factor in the actuaries’ computation of the the Collision or Comprehensive coverages. Also, I’ve ran into this problem a few times myself, but if your employer has worked out something with a vendor of any kind, you should go through your employer’s contacts with that vendor instead of calling up any old vendor, b/c chances are that a specific group is in charge of the discount line provided by your employer.

    I know it sounds like a bunch of roadblocks that I’m thinking, of, but I just want people to sound informed when they’re on the phone talking to the sales folks on the other end of the insurance line, having been one for a brief time myself. It always sucks to get some jerk who thinks he’s a know-it-all asking for discounts that they’re either already receiving or something the salesperson has no control over.

    And just ask them how they can help you lower your insurance costs! They’re usually very happy to number crunch along with you so that they can $ell.

  14. Momma @ 3princessesmomma.com

    I did this last month and was astounded at how badly I was being ripped off by Nationwide. I switched to Geico and could not be happier.. not to mention that they shaved 50% off my bill.

    I wrote about that here: http://www.3princessesmomma.com/2008/10/i-just-saved-a-ton-of-money-by-switching-to-geico/

  15. carise

    I will definitely try this… getting a new car soon because the one I currently drive is dying. Thanks!

  16. Mud Puppy

    I have to put a plug in here for Statefarm.

    I hit a deer last week with my van and they didn’t blink an eye to get the claim going immediately. I even emailed them online when the body shop I was dealing with wasn’t being helpful and they responded back to me within a half hour with answers to all my questions after first calling the body shop to see what was up. The body shop later called and apologized profusely.

    I’ve made a couple other claims in the past as well and it’s been the same service every single time. I’m not sure even a $1000/year savings would even entice me to switch. It’s hard to find someone you trust.

    Well, $1000 is quite a bit… 🙂

    Anyway, my two cents.

  17. Courtney

    I’m not a big fan of this tip. Yes, there are people out there who do not have the right coverage, but downsizing could end up costing you more in the long-run if you skimp on coverage that you don’t see as necessary. I know this hassle all too well as I just hit a deer with my car. Choose a good insurance company that will actually pay for your claims, but pick a higher deductible so that the rates are still low. Paying for the small dings will save you in the long run and you won’t have to worry when you get into a major accident.

  18. Battra92

    Hmm, in checking Progressive they may just be able to do better for me. Of course my car insurance doesn’t end until next spring and I already paid in full for it last spring so it doesn’t make sense to change it now.

    Though based on the quote I got from Progressive (which may be due to the dereg that I wasn’t aware of) they are telling me 6 months at less than $350. (or $700 a year I assume) Last year I paid well over $1300!! So this time would give me $600 this month. I’d say I’m well on my way to that $1K saved. 😛

    And I think being in MA does mean something, Brian. It means regulation of Insurance MA style (or regulation of anything MA style) means higher prices and paying for Boston.

  19. Tom

    Just a note in response to Ramit’s second addition above about the financial strength of insurers. I agree with Ramit that an insurer’s ability to pay is essential to how useful a policy is. When an insurer goes insolvent (their version of bankruptcy), the company’s assets are liquidated and used to pay off claims, but it takes a long time and usually results in reduced payments. In short: it’s a huge hastle.

    I work in Risk Management, which is closely tied to commercial insurance. The best source to determine the financial strength of an insurer is A.M. Best. You can look up an insurer’s A.M. Best rating on their website at ambest.com, but most insurance companies will provide this to you if you ask them for their current rating.

    There are two components to an AM best rating. A letter, and a Roman numeral. The letter indicates the financial strength (e.g. A++ is “Superior) and the Roman numeral indicates the financial size category (e.g. XV is $2 billion or greater). When evaluating insurers for my company, I accept nothing below an A- VIII. The A.M. Best website also provides other helpful information such as the outlook for a company.

    One final note: be sure you’re looking up the actual company underwriting your policy. Insurers often create subsidiaries to handle high-risk policies, and that subsidiary could have a different strength rating than it’s parent. It could go insolvent without taking the parent company’s assets with it.

    Best of luck in your negotiating and make sure you go with stable insurers.

    My savings today: $0 (I have no car)

  20. Anne

    I’m with Mud Puppy, my experience with State Farm has been so good that I don’t think I’d consider switching given my current 13 year old, cheap to ensure car and tiny renters policy. The service was fantastic and prompt even though I had an accident in the middle of our biggest blizzard last year (along with a few thousand other people) and I’m sure they were swamped. Maybe if I was getting fleeced because I had a new car… but the odds of my purchasing a brand new car are slim to none.

    That said. Good tip! It’s so easy to forget about services with bills that don’t come monthly. I’ve stashed enough away in my “car” savings account that I really should up my deductible and possibly lower my estimated mileage.

  21. Beth

    I like the list of questions you provided to ask the company. Great advice.

    When I got my first car at age 23, I used the “Y company is offering to insure me for $XXX less” line and one company actually accused me of lying to the first company that gave me the good quote!

    I deal with an insurance broker, but I do my own research as well.

  22. Cymbidium

    I would highly recommend checking into USAA and see if you qualify.
    My father and grandfather were in the service (Navy) so we qualify and have been using them for years.
    I do check in with other companies from time to time, but they usually can’t come close.
    No one else comes close to beating their prices, and the service is phenomenal!
    They offer an unbeatable roadside assistance program as well. We pay $12/yr per car and have been able to tow our vehicle up to 20 miles with NO charge. You can’t beat that!
    I just re-evaluated our insurance and ended up saving $225/6 months. $450/year!
    Our premiums are down to under $400/6 months for 2 vehicles.

  23. Brian

    @ Battra92: Well then be happy you don’t live in CT, because I paid literally over $2500 when I lived there for the same coverage as I got with Commerce. When I had a Mustang GT it was over $3200, and that was on my parent’s policy who never had an accident or a ticket.

    If you cancel your policy now, even though you have paid in full, they will refund you the remained balance, pro-rated to the day. When I canceled Commerce I got a $200-something check in the mail a few weeks later (actually, MetLife informed them I was no longer a customer for me, so I didn’t have to do anything).

    ^^^ That is, assuming of course, that you have not signed a contract stating you would stay with them and that if you leave no refund would be given.

  24. Chris Lehr

    If my car had anti lock breaks, I would take it to a shop.

  25. Glen Isobe

    “increasing your deductible from $200 to $500 could reduce your collision and comprehensive coverage cost by 15 to 30 percent. Going to a $1,000 deductible can save you more than 40%.” Wow, I’ve never seen such a huge discounts for California car insurance. Homeowners policies, yes. Auto, more like 5 to 10%discount per jump in deductible.

    Also, most car companies (unlike homeowner’s) do not pro-rate your refund if you switch mid-term. There is usually a 10% administrative charge.

  26. Brad

    I called my insurance company (progressive), and asked what kind of stuff prompted discounts. Apparently, me being a student saves me about 40$/month! $480/year for a 3 minute phone call. Sweet!

  27. Danny Finance

    Hey, just wanted to let you know that I examined my auto insurance closely. I was with AAA but after researching for about an hour, I’m officially switched….and just saved about 50%!! No joke, I went to Geico and got triple the coverage for almost exactly half the price. Who knew there was so much to be saved by taking a little time to look into it!! Ha, ha, this kind of sounds like one of their ads, sorry if it comes of as spammy, but it’s the honest truth. This is really a great tip, everyone should look into their auto insurance and shop around!

  28. Ramit Sethi

    Danny, I’m glad it worked. How much did you save?

  29. stephanie

    I have had AAA auto insurance since I was 18 and cannot recommend them enough. My rates have consistently gone down, even though after college I bought a newer car and switched to full coverage insurance. I currently pay $44/month ($528/year)for full coverage ($500 deductible) on my 02 Ford Escort, and I’m 24 years old.

    Also, my father received a DWI about 15 years ago and afterward AAA was the only insurance company he could find to insure him – his policy cost him around $500 per month at the time (for an old, paid off truck, and in the rural midwest where cost of living is much cheaper). He has been with AAA since then (no further DWIs, and no speeding tickets that I know of) and his rates have continually dropped – right now he pays $20/month for full coverage insurance on his truck (a Ford Ranger that he bought new about 6 or 8 years ago). I mention this only to show that AAA will be fair to high-risk drivers and continually drop your rates for periods of times with no accidents/tickets, regardless of past mistakes.

  30. Danny Finance

    My premium went from $479 every 6 months to $232 every 6 months. Looks like I saved more than 50%!

  31. Andrea

    First and foremost, you’ll get the best rate no matter what with a good driving record and a good credit rating. Slow down, drive defensively and build a driving record like a credit rating. Whether you have points on your license or not – take a defensive driving class. For $40 and a few hours time, you can save 10 percent on your existing auto insurance even with a clean driving record. Go for the highest deductibles you can afford (with the deductibles saved in your ING savings account). Go with a highly rated company with good service that can give you a package deal on your renters/homeowners, auto, life which mean multi-line discounts for all of your policies. There are longevity discounts for being accident free. I’ve been with State Farm since I was in college and have kept a clean driving record. My rates are ridiculously cheap as a result like $220 for 6 months on a 04 Volvo wagon. Check out your local State Farm agent while you’re shopping – I’m surprised Ramit didn’t include them. You can do business in person, by phone or email, whichever your preference. They aren’t the #1 auto insurer in the US for no reason.

  32. Ramit Sethi

    Added State Farm above.

  33. Kacie

    I pay myself each month, rather than making monthly insurance payments. Then, when the premium is due, I make a one-time payment.

    I avoid “processing fees” and my bank account can earn a small bit of interest. It doesn’t amount to much, but every little bit helps!

    Plus, if I come into some hard times, it’s nice to know that my insurance premiums are paid up and I can resort to making monthly payments next time around if need be.

  34. Adam

    10 mins online 5 minutes on the phone $300 a year i get to keep;)

  35. Mark

    I echo the comments here about State Farm; their customer service is incredible! And I get huge discounts by buying policies for multiple lines.

    Contacting them couldn’t be easier. Call your agent, and if he or she isn’t in the office you’ll be connected to a 24×7 customer service line that take claims, discuss coverage, etc. If you want to avoid your agent for some reason and go directly to customer service, just call the agent’s office in the evening.

  36. Steve M

    We went with Ameriprise through Costco a few years ago and we have the top coverage and save $150 every 6 months over what Geico was charging us at a lesser level of coverage. Also, on our first renewal they dropped the rate another $60 without us calling them!

    The Costco business membership has saved us a lot in the past few years and we get back the amount of the membership ($100) through their rebate program.

  37. Aaron

    You missed an insurer. Amica. They are JD Powers rated #1 in customer satisfaction.
    1-800-242-6422
    http://www.amica.com/
    Friendliest and easiest insurance company I’ve ever dealt with and their rates are really good as well.
    They aren’t well known but everyone I’ve recommended to them have been really happy with their rates & service.

  38. Stop Getting Cheated

    Excellent tip, Ramit. It certainly generated a great deal of intelligent feedback. Thank you for your insight.

  39. Frugal Friday : Linking Edition at Shopping for Two Blog

    […] (you can read more here). I’m Will Teach You to be Rich shares some very detailed tips on how you can save money on your car insurance. He gives you actual dialogue that you can use when you call around to get quotes. I’m the […]

  40. Ruthie

    I know that not everyone is eligible, but USAA insurance is FABULOUS! We have our homeowners and our car insurance with them. I can find a *slightly* better rate with Geico, but the customer service cannot be beat, and not having to worry about my claim if I need help after an accident is priceless. Also, just try calling your own insurance agency. I called USAA and told them I wanted more coverage but didn’t want to pay more $$. They worked with me and we upped the coverage and the deductible and I pay $2 less a year for 3X the coverage. Try upping your deductible if you’re happy with your company. If you’ve got an emergency fund, it shouldn’t break the bank to pay $1000 instead of $500.

  41. KO

    It’s my understanding that companies offer different rates based on varying costs to insure different types of drivers. So one company may offer really low rates to those with clean records and make its money off those with less-than-stellar records, while another may focus on other segments. So you *have* to shop around to see who is offering the best deal for someone with your driving record/location/car — there is no other way to know who has the best price for your unique situation.

    The last time I shopped around, I was sure I wouldn’t find a better deal than what I had with GEICO — they were giving me a discount , on an already low rate, for having joined Golden Key National Honor Society when I was in college (definitely look into this to see if they still offer the discount!). But I got an even better deal with Erie Insurance, which I previously hadn’t even heard of though it’s a big, solid company. I get it through a local agent so there is someone I can call if I have an accident and not just a big megacompany in another state. All this and the price was rock bottom (esp. if you pay for a year upfront). Now, I haven’t had to file a claim yet (knock on wood) so I can’t attest to their service, but when I had GEICO, my car was rear-ended by someone who also had GEICO and it took literally 2 weeks for them to get off their asses and pay for my car to get fixed — and it wasn’t even major damage, just a couple hundred bucks. I can’t imagine how long it would take them to pay for a more substantial repair.

  42. Peggy

    Nope, after all those phone calls, I confirmed I was already getting the best rate.

    Today’s Tip: $0
    Cumulative: $90.75

  43. Rachel

    I’m definitely saving at least $100/yr with this tip, possibly more (haven’t had a chance to call Allstate).

    Funny story: when AAA quoted me a rate and I said “Progressive is offering to insure me for $300 less,” the rep was speechless for a minute…and then finally said, “oh my GOSH.”

    She was sure nice, but her company wasn’t too helpful!

  44. sam

    as an insurance agent i have to add my 2 cents. for the most part unless your agent isn’t doing their job your insurance rates are what they are. staying with the same coverages, policy type, and company means your rates are not negotiable! there are things you can do though! many companies offer different policy types to choose from. if you haven’t heard of any other options, and don’t refuse anytime they try to talk to you about reviewing your policies, ask your agent. companies offer discounts for security systems, having multiple policies with them, having clean driving records, and taking safety courses. some have multi car and multi people discounts. call your agent and ask if there is anything you can do to qualify for additional discounts.

    be aware of the “discount” companies. my best friend since high school is insured with me. he called me one day and said sam XXX company said they can save me $176 a month on my insurance what should i do? i said hey go for it but wait until you get that up and running and have your first bill before we terminate this policy. (all you have to do is show proof of when your new policy started to back date a termination of your old policy) he took my advise told them to get the ball rolling, turns out they hadn’t given him the final premium and he was acutally going to spend $150 MORE a month! in a lot of states law requires they run lots of reports before determining a final insurance premium (credit, accident report, driving record, how long have you been with your previous company, how long have you been at your job, your residence, etc). some “discount” companies will give you a number before running the reports and then you’ve already cancelled your policy and are trapped. bottom line: make sure your policy is effective at the agreed upon price before terminating your old one!

  45. PAMELA

    Ok, I used your link to Ameriprise Insurance. What a pain! I completely filled out the entire questionaire for 30 minutes. Every time you think you are done, it asks for more information that you know is only going to be used for a phone solicitation. That’s ok, if they save me $’s, but after spending all this time keying in information on all 4 of my cars, they spit out a note saying they can’t insure me because one of the cars is used for business. I’m in sales!! One of the MANY questions asked early on is what the cars are used for. Who wants to bet I’m bombarded with calls from telemarketers in the next few weeks who are intellegent enough to know that they refused me for a STUPID reason. Also interesting they can’t give you a quote unless you tell them how much you are currently paying. Well duh! I’m in sales. You are definately NOT going to get their best rate if they know how much they have to go down.

  46. Ramit Sethi

    Which link to Ameriprise?

  47. sam

    Added note from yesterday: ALL insurance is cyclical! there is a cycle that ever insurance company goes through. whatever company is the cheapest today WILL NOT be the cheapest in a few years. it takes a company 7 yearst to come full cycle… never become stagnant with your insurance or your guaranteed to not have the best rates.

    last note i promise…DO NOT skimp on your coverage to save a few bucks. saving $3 – 10 dollars a month could cost you everything. just about EVERYONE needs more than their required state minimum liability coverage. texas has split limit minimums of 25/50/25….that means they will pay out $25,000 per person for any injuries you cause and $50,000 per occurrence no matter if there are 2 people in the car or 7. and a maximum of $25,000 for the property or vehicles you damage weather its 1 car you hit or a 4 car pile up or if you hit a stop sign, a traffic light, or someone’s house! $25,000 per person for injuries is NOT much and there are a lot of cars on the road worth much more than $25,000!!

  48. Jeremy Shuey

    I work for Nationwide Insurance and would like to say first off I am upset not to see my company mentioned. I would suggest when you do shop around make sure you find someone to go over your coverages and select proper coverages. I understand that you can “save” money on your insurance, but usually that means lowering your coverages. Also watch out for some Companies that like to give you a start up rate for the first six months. Ask about anniversary discounts, like Nationwide will give you 15% off. Have your home and auto together and save 25%. Make sure you and your spouse are insured together 10% off for multi driver 10% off for multi vehicle.

    If you need any suggestions please feel free to call me 800-282-8636 ext 8084 Jeremy Shuey

  49. Todd

    I switched from a local carrier to Geico, once I realized that I got an additional discount through my alumni organization. That, plus reviewing what I was paying for, actually cut my 6month bill in half, from 480 to 238ish every six months, with equal or better coverage.

  50. Sarah

    I used to work for one of the major insurance companies (listed) as a customer service counselor. some ideas to try if you have youthful drivers:
    -ask about a good student discount
    -ask to see which vehicle is assigned by the young driver (16 yr old driving a 2008 porche vs. 16 yr old driving 1990 civic). this makes a difference, regardless to if they use one car, or all cars, its the car used the MOST and how often
    -ask for a quote to have youthful driver rated on his own policy. I’ve seen tremendous differences in a)relief on having a young rated driver on parents policy (especially if parents have good driving records). b) the inexperienced driver (especially high-risk) can be placed in a different classification, saving both policies money by seperating.

    also some tips in general:
    -usage on the car (if you changed locations of work, if using car less to save on gas- may save on usage too!
    -alumni associations, college/universities attended, military affiliations may have a sponsored marketing discount.

    of course all companies operate differently, but these were some of things i looked for when assisting with car insurance policies.

  51. Brandon

    Hi Ramit,
    Great tip. I wrote a few weeks ago about how I looked into this then, and could shave $300 a year by switching from State Farm to Liberty Mutual.

    However, I must also echo the State Farm kudos that are flying around. I have had to make 2 claims for broken windshields, both of which led to me having a new windshield the next day, even while traveling in other states! Liberty Mutual seems to be offering a discount from my college alumni association. I have heard that this rate will go up, and I’m not sure I want to lose my preferred status and 10-year accident free discount with State Farm. Plus, if the guy screws me, I know where he lives!

    Similarly, the same agent insures my neighbors, whose house just caught on fire. According to them, State Farm has been amazing, paying for everything (according to their policy), but also is paying to update the house to the new building codes. That is a great, unwritten benefit.

    I’m still chewing on this, but I may actually stay with State Farm as I consider this worth $300/year.

    This tip: maybe $300/year
    Total to date: $240/year

  52. S

    Just cut my payment for auto insurance by about $30/month by making a change (to drop the mileage for a car I’m about to sell) and for applying an AAA discount. I’m still going to call other companies and check Costco before I commit, though.

    Total Savings: $360/year by this tip alone.

    I would have never have gotten off my butt and made this call if you hadn’t removed the barrier and provided the phone numbers for us. THANK YOU. And FYI, the AAA number you provide (866-539-8033) is for Northern California only, but they were happy to transfer me over to the correct office.

    Again, thank you so much.

  53. Jane

    Don’t know if you have them over there, but moneysupermarket.com and confused.com in the UK will compare ‘like for like’ car insurance online by filling in one form only and trawling through the whole market for you – saves me a packet every year on the insurer I used the previous year, and then I go back to my existing insurer and say ‘so and so will do the same for £x cheaper’ and they usually come down to match it. No savings this time, coz I already do it, but it’s a good tip if you haven’t been used to it!

  54. Saving the Green « My Philadelphia Story

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  55. KC

    Hey! Just wanted to let you know we’ve been using 21st for several years – by far the least expensive – and have not had any problems at all with them. We get a bill every 6 months by mail and we can pay it via check or online, in one lump sum or in 3 equal payments.

    You may have had a fluke problem, methinks…!

  56. How Am I Doing With Ramit’s Save $1,000 Challenge? — Green Panda Treehouse

    […] How to negotiate your car insurance […]

  57. you rock

    Thanks for the tip. I went the extra mile and got 5 different quotes online. I had been a Nationwide customer for 7 or so years. All 5 quotes were $1000 to $1500 less than Nationwide (3 cars, keeping the same exact coverage). Man, I was getting ripped off! It pays to check the market, especially if you’ve been with the same insurance company for a long time. Lesson learned!

    I’m now spending $1500 a year less for the same level of coverage. Yes, Nationwide spindoctors will tell you the service is good. Service is overrated. I’ve spent thousands with Nationwide and have never had to call them once….except yesterday, when I canceled my policy.

  58. Sara

    Here are a couple other good articles I found on getting car insurance and picking your insurance company:

    http://www.edmunds.com/advice/insurance/articles/89618/article.html
    http://www.edmunds.com/advice/insurance/articles/92300/article.html

    They seem to have good things to say about Erie and Amica, in terms of customer treatment. This in particular concerns me because although State Farm gets good reviews above, they get a lot of negative reviews online, although all the big insurance companies I’ve looked up have tons of complaints against them. I just bought a new (to me) car and am going to switch insurance companies.

    Does anyone have recommendations for a good insurance for people with good driving records? I’ve never gotten a ticket or caused an accident (knock on wood) in the ten years I’ve had my license. I looked at MetLife like someone recommended above, but I am in NC and they apparently don’t insure there.

  59. Sara

    Clearly, I am retarded because you already link to the one Edmund’s article above… my bad.

    Anyway, if anyone is interested, I have gotten a good quote from Amica and they seem to get pretty good reviews (comparatively) online to State Farm, All State, etc. It looks like it will cost me about $800 per year to insure a 2006 BMW 325i with excellent coverage (it’s in NC though and rates are lower here than elsewhere in the country), which should save me at least $500 per year. All State quoted me $660 per year (!!!!), but they don’t seem overwhelmingly popular if you have to make a claim.

  60. Janice in Spain

    Interesting to read, and surprising to me in Spain. It seems that your vehicle insurance is so high, that what you save on cheap petrol is spent on insurance. I won’t feel so bad the next time I go to the petrol station in this country, because my insurance is 325 euros per annum.

  61. Chris

    Thanks! I got one quote online from State Farm. Then I called my Allstate agent to let her know I was shopping around. She cut my rates from $847 to $383 for six months without cutting my benefits. You saved me $928 per year with minimal effort!

    Now I don’t know whether to be happy about saving money or pissed because they were charging me so much for so long.

  62. No Debt Plan

    Some of the questions you listed can be addressed fully with Geico’s website. Geico’s great reputation and low cost (saved me $300/year when I switched a year or two ago) were the reasons I switched. I’ll have to do some quick comparison shopping just to check…

  63. Jace

    State Farm doesn’t have a central call center because their policy is to deal with Agents directly. It helps alleviate the many-to-few issues call centers have. A State Farm agent will be much more helpful than some call center with minimum wage employees.

  64. 90 Minutes to Big Savings | smartfamilytips

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  65. Pev

    I don’t know – but I don’t think it is true that you can sweet talk a person on a price that is already fixed, so how exactly would you negotiate? Please clarify this for me.

  66. Ramit’s IWillTeachYouToBeRich.com Series — Tip #14: Use self-persuasion to share how much you’ve saved so far — NMBankruptcyBlog.com | New Mexico Bankruptcy Law Blog

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  67. how to: save on auto insurance — the ¢entsible life

    […] Read Ramit’s advice on how to negotiate insurance coverage. This inspired me to look at the insurance costs and play with the numbers. Fortunately, USAA offers […]

  68. msimonkey

    Love your stuff. Linked back to you on my site. Congrats on the book launch!

  69. Car Insurance |How We Cut Our Bill in Half

    […] was $118/month. It jumped about $20 this last term.  We called to see if we could do something to lower our auto insurance premiums, like adding rental insurance with them or increase our deductibles. They said it was the lowest […]

  70. Lena

    Ramit, thank you!We saved $700 by switching from farmers to Costco Ameriprise!
    I still can’t believe it and will be shopping for new insurance once a year from now on! WOW~

  71. » Learning to be rich, Day 12-20 schuss.net

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  74. How I made over $3000 in one hour | Miscellaneous Ramblings

    […] billers to reduce your bills, give it a whirl.  For a reference on this process, Ramit Sethi has a great write-up on how to “negotiate like an Indian”.  Good […]

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  76. Furlough plans part 1 « My Friend Kelly

    […] with no dependents. Next, quotes for car insurance coverage. Using Ramit’s scripts and ideas here, the first quote alone can save me $120/year with no change in coverage. I have 3 more quotes to […]

  77. 30 Tips That Can Save Your Money This Month

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  78. How I Saved $600 on My Auto Insurance | Manarin On Money

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  79. scooter

    Someone told me that one of the ways to lower your existing Geico policy is the leave them and come back for a quote in 6 months. Calling them certainly doesnt lower it.. “hello you are already getting our best rate..”

    Anyone ever heard or tried it?

  80. Correy Smith

    Wow, great article that was written towards lowering the auto insurance. When I got my first car it sure was somewhat confusing and mostly because there were so much to learn about each insurance that my father searched for me. I guess the author has a point on picking the right insurance that has a good price and service. http://www.almedainsurance.com/insurance-personal-auto-insurance

  81. auto assurance

    You know what is much more beneficial than auto insurance? Auto ASSURANCE is. Trust me, insurance is mandatory, so they are not going to give you what you deserve.

  82. mdmahmud

    One of the best ways to lower your auto insurance is to shop your rates around. Most people stay with the same insurance company their entire life. This can be costly unless your insurer gives big customer loyalty discounts. To save money, you should shop your rates around occasionally. Doing so can help you lower your premiums

  83. Daniela Adams

    Great article, thanks for sharing such a helpful information. I am buying a used car next week I hope, and I’m trying to calculate how much I will be spending on insurance. I agree with you, insurance is not a commodity, it can save you from so many troubles that you are not even thinking about when you are getting one! I love that you provided an example of how to talk to the insurance company on the phone, you listed great questions there, and I will use them when I call the insurance company!

  84. Melody Brown

    I like your idea to ask about deals the website doesn’t offer. That is a smart way to save money. I am going to try that, thanks for posting!

  85. Rajesh Yadav

    A nice and descriptive article on how to reduce the cost on auto insurance . I recently got my new car and i was confuced for which insurance to go with as the car i buyed comes in a mid range . I was also keen to save some on insurance too. One of my Good frend suggested me to go with liberty videocon as it has some good plans for auto insurance and also comes somewhere in mid range considering the cost of it. Hoping to get best out of it.

  86. MONEY CATCH

    Hi,

    Nice Blog On car insurance. Great informative blog .

  87. Car Insurance Lower | Your Car Insurance Compare

    […] How to negotiate lower car insurance rates – I Will … – The single-best resource on how to negotiate your car insurance. Call scripts included. […]

  88. Tips For Lowering Car Insurance Rates | Great Car Insurance Compare

    […] How to negotiate lower car insurance rates – I Will … – Follow the detailed script below to negotiate your car insurance fees down. This is Tip #13 of of the Save $1,000 in 30 Days Challenge. (See past tips.) […]

  89. James Bash

    I don`t trust an insurance broker. I think they are mostly concerned with what they could win than helping customers.

  90. NC Auto Information Blog

    […] How to negotiate lower car insurance rates […]

  91. Truckersins

    I read your blog in detail, I would love questions which you mentioned in your blog. Great advice

    I want to tell you , I am fan of new launched cars and I love driving. When I get free time or on weekend
    I prefer to go outside . A few months back I met an accident, my car was totally damaged and I was very upset, but after some time I received a call from a company named………….. from which I had insured my car, they talked with me on phone and they showed lots of care and completed whole procedure on line. I can trust on that insurance company in these days. Thanks a lot for them.

  92. Using Car Insurance Money For Something Else | Great Car Insurance Compare

    […] How to negotiate lower car insurance rates – I Will … – Follow the detailed script below to negotiate your car insurance fees down. This is Tip #13 of of the Save $1,000 in 30 Days Challenge. (See past tips.) […]

  93. 3 Bluntly Simple Personal Finance Advice That Work Miracles

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  97. premnath

    Mercedes Benz, Audi, BMW, Porsche, Rolls Royce, Maserati, Volkswagon, Ferrari, Jaguar, Lamborghini, Bentley, Volvo, etc. you can get discounts of 50 – 60% on OD premium. Other popular brands like Honda (City, Accord, etc), Toyota (Camry, innova, etc), Ford, Mahindra, Maruti Suzuki, Hyundai, Mitsubishi, Renault, Nissan, Chevrolet, Ambassador, Fiat, Tata, Skoda, etc. you can get 20% – 40% discount. http://www.easyinsuranceindia.com/

  98. Liz

    We signed up with Mutual of Enumclaw a yr ago – They gave us good rates on auto/homeowners/umbrella – then this 2nd yr. they raised the renewal policy on the auto by more than 10% – $944.92 to 1,046.00. We are both excellent drivers/no accidents/ tickets and good credit. We do not drive either car to work as I have a home office. My car is a 2011 Acura MDX. (40K on mileage) The other car is my Husband’s baby – a 2005 Mercedes Benz – that he infrequently drives on nice days. The Co. gave me a song and dance about how they have all these claims and accideents from other customers. I’m sorry! But THEY should pay for it, not their good clients! We are going to look into METROMILE (avail in Wa) and other companies for our auto. We did not get a break for multi -policies on the other packages, only the auto, and I do not know how much it is becuase they say onthing on the Dec. page.

  99. Ramit Sethi Car Insurance | Last Car Insurance

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  100. 3 Bluntly Simple Personal Finance Advice That Work Miracles | Global Times

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  101. Sigorta

    Insurance prices in Turkey are higher than the US!

    I do not believe it.

  102. Jordie

    There you can find an article about The Secret to Finding The Cheapest Auto Insurance
    http://autowebster.com/the-secret-to-finding-the-cheapest-auto-insurance/

  103. Jazmine

    Car Insurance is very important though there were lot of it nowadays but one has got to make sure that it is legit and that it is a perfect fit for your needs.

  104. Jazmine

    Also, it is important that you have a list of car insurance first. Then always compare prices and benefits before engaging.

  105. Harry

    At PolicyAdvisor, you can compare a variety of insurance products from some of the India ‘s top insurance companies.

    • Harry

      http://www.policyadvisor.in/best-auto-insurance-policy/

  106. How to negotiate lower Car Insurance | Car Insurance Blog

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  107. James

    PolicyAdvisor? Hmm, I didn`t know about it. I should try this.

    • Nandita Shroff

      For More Details Visit http://www.policyadvisor.in/

  108. Jazmine

    Great post here!

  109. Jazmin

    Great post. There are so many types of car insurance offerings out there and it’s more important than ever to do your research and find the best insurance policy for you. My company, Marchionne Insurance, offers excellent car insurance in Burlington MAI would recommend checking out our website if you’re in need of some resources or tips in picking your insurance provider.

    – JC

  110. mwalt.choicesins

    Great Post !

  111. Gywen

    Awesome post, thanks for sharing your tips. Recently I was doing some searching for car insurance in Fitchburg MA and now have a policy with Foster Insurance, one of the best providers in my local area. Given my recent experience I would say it’s extremely important to request 3-5 quotes from the top rated car insurance providers in your area before moving forward.

    Hope this helps!

  112. abdalslam ali

    Very useful post. This is my first time i here. I found so many interesting stuff in your blog especially its discussion. Really its great article. Keep it up.Very good and well informative blog…keep it up and update regularly
    You’ve heard the phrase, “You get what you pay for.” When it comes to shopping for auto insurance, do you know what coverage you need or how to buy it?
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  113. 3 Bluntly Simple Personal Finance Advice That Work Miracles | 13 News Network

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  114. Shaun Beard

    More informative one. Truly there are many tricks that you can negotiate your insurance provider for a lower insurance. In most of the cases we find that private cars get the opportunity whereas the commercial cars do not. There may a matter of risk management, but I think these tricks will help so much car owners to make a right and cheaper choice. After managing my own car I have got Alpha Direct and the professionals are truly efficient to find a lower insurance package for my vehicle. Thanks for the article and wish more from you.

  115. Darren Thomas

    Nice Blog! Thank you so much for sharing this, well defined all thing in blog. such a good knowledge share with us. Thanks !

    Bike insurance quotes

  116. How to Negotiate Better Auto Insurance | Vanderstyne Toyota

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  117. Car Insurance Renewal India – Welcome to the Blog..!!!

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  118. Adele

    Nice post! You have posted an amazing blog. These steps will surely helpful while negotiating car insurance. Recently I had contacted with Accept insurance companyAccept insurance. This time I will surely follow it.

  119. Darren Thomas

    Fab !! Thank you so much for sharing this one really well defined all peaceful info regarding Web Design, I Really like it, Love it

  120. 13 tips to save up to $1,000 in 30 days or less

    […] accompanied the challenge with a wealth of tips on his blog — from how to negotiate your car insurance to saving money while eating out — to help people achieve their savings […]

  121. George Smith

    I am a Texas resident and when I switched to A Abana Auto Insurance, (http://www.a-abana.com/) my rate went down. They have some of the lowest priced but great quality insurance I have come across for Texas residents.

  122. Ashley Miller

    Thank you for the tips! Choosing the highest deductible you can afford will significantly reduce your premium. Find out what coverage you need and what coverage is required where you live. Do not forget to shop around and compare. Call around to get quotes or get quotes online.

    If you’re in need of auto insurance, life insurance, andhome insurance in Malden MA or its neighboring cities, I highly recommend Gilbert Insurance. Check out their site for more details.

  123. Roger

    Perfect! Great tips shared actually – I appreciate it! 😛

  124. Understanding the Relationship between Deductibles and Premiums – Insurance Broker Sell

    […] you must consider that there are deductibles that change over time, like the homeowner insurance. In this case, the deductible goes up when the property increases it value thanks to the real […]

  125. Robert Barnes

    All insurance companies are having the car accident statistics with them. They know that insurers with sport cars has had more losses compare to average vehicles. This is due to the car owner of a Corvette is more likely to drive faster and riskier compare to the car owner of a Toyota Vios. By determine the risk and possible loss, most of the insurance companies are raising the charges for auto insurance premiums on the sport cars.

  126. Taylor

    Great blog.

  127. 16 money lies you should stop telling yourself by age 30

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  129. hix insurance

    Nice post! You have posted an amazing blog. These steps will surely helpful while negotiating car insurance.

  130. alexa al

    very nice post

  131. How To Negotiate Home Insurance | The Best Home Insurance

    […] How to negotiate lower car insurance … – Follow the detailed script below to negotiate your car insurance fees down. This is Tip #13 of of the Save $1,000 in 30 Days Challenge. (See past tips.) […]

  132. Insurance Agency

    Great article!!!

  133. Linda Prin

    It never occurred to me to ask your insurance provider if they offer other deals online or anything. I recognize that it might just bring down my insurance costs 9-10$ a month, but is really nice thinking that I might have an extra $100 in my pocket just by asking a simple question. I will have to do this my current insurance provider. Thank you for the helpful-money-saving ideas.

  134. How Creatives Should Negotiate | The Blog of Author Tim Ferriss

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    • Deanna Hupp

      Your blog is very helpful to all. These steps resolve certainly helpful even as negotiate car insurance. Now you find a cheapest car insurance company.

  138. Cobey

    I was going to use this guide to try to get Progressive to lower my car insurance but they couldn’t come down any for me. Then I called Geico and they were able to give me even better coverage for $75 less! No brainer!

    • mari

      Great job Cobey!

  139. Turtlemint

    Hey, I read your article and after reading this completing. I got most useful information about lower car insurance. You explained all the things in simple way that is very easy for me. I am really very happy to get these tips lower car insurance. Thank you so much for wonderful information.
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  140. How To Negotiate Home Insurance | The Home Insurance

    […] How to negotiate lower car insurance rates – Follow the detailed script below to negotiate your car insurance fees down. This is Tip #13 of of the Save $1,000 in 30 Days Challenge. (See past tips.) […]

  141. prince243653

    This is a very useful topic. I did not know before. I will be pleased if you clarify me more about California Business Insurance

  142. 15 Money Lies to Stop Telling Yourself by the Age of 30 - The Start Entrepreneur

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  143. Luke@dollarwise

    I’ve found you have to call, ask for a better price and then shop around. You can also look out for current promotions, price beat offers, money back, etc. The key is to be engaged and don’t just pay up. If you’re reading from Australia, you can check out how we went about it href=”http://dollarwise.com.au/how-to-play-the-car-insurance-game-and-save-hundreds-every-year/ “>here.

  144. Tina Smith

    I’m confused. Do you have to pay the deductible before the copay kicks in? So, for example, I’d have to pay $1000 before the would help me… at all??

  145. Rai

    Yes, I think that’s how it works, Tina. I’m not 100% sure but I’m almost positive.

  146. Danni Black

    I really like your tip about shopping around and fishing for the good deals. My husband and I are going to be getting new car insurance in the next few months and we really need something that is good coverage but for a good price. I think that these tips will really help us to find the right policy for us, thank you for sharing!

  147. Netsuite Integrated TPM

    Nice informative article its really big headache with the insurance of the vehicles it should to up-to-date, having problem in dealing with the Trade of the business there a solution for it from Netsuite its I-TPM, check out the website http://i-tpm.com/integrated-trade-promotion-management-solution-overview/ for more details, thank you.

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