You can call your cable or cell phone company in an attempt to negotiate a better rate, but can you do the same thing with your Ohio car insurance? Keep reading to find out everything you need to know about negotiating with your car insurance company for lower rates.
Yes, It’s Possible to Negotiate Lower Ohio Car Insurance Rates
You can find plenty of stories online about people contacting their car insurance companies in an attempt to negotiate lower rates. Doing so is similar to negotiating a lower rate with any other service provider – you contact the company, explain the situation, and hope for the best.
Just like with other services, your chances of negotiating a lower rate are better if you are a higher-value, longer-standing, customer. For example, someone who has been with a car insurance company for 15 years and has multiple auto and home insurance policies with the company, is in a better position to negotiate a lower rate.
Tips for Negotiating Lower Ohio Car Insurance Premiums
Be polite but firm. Few people have had success with contacting a car insurance company and making a demand for lower premiums. Most negotiation guidebooks recommend a polite but firm approach.
Be persistent. Most car insurance company agents will deny your request to lower insurance premiums at first, so be persistent with your request. Keep at it and make a strong case.
Research comparable policies. In some cases, you’re simply not entitled to a discount. So try to find comparable car insurance policies at a more affordable price. If you can’t find a cheaper policy, you might already be paying a great rate.
Research scripts online. You can find various scripts online that explain how to negotiate lower Ohio car insurance premiums, including exactly what you should say to boost your chances of getting a discount.
Inquire about additional discounts. Inquire about discounts for renewing your policy, for example, or for prepaying for the whole year upfront.
Ask about renewal or bundling discounts. An insurance agent may be more agreeable to your car insurance negotiation attempt if you ask about bundling policies such as adding a home insurance policy.
Be sure you understand your current policy. Take the time to review your current insurance policy before trying to negotiate a better deal.
Request a higher deductible. One of the easiest ways to get a discount on car insurance premiums is to raise your deductible. Raise your deductible and instantly lower car insurance premiums.
Ask about changing your policy. For example, you might want to discontinue roadside assistance if you already have a separate AAA membership.
These are just some tips, but why bother trying to negotiate a better rate yourself when we can do it for you? We can shop all the available sources for Ohio car insurance to get you the rates you deserve! Contact us today to get started.