Jessica Sautter is a Content Writer for with a Bachelor’s Degree from Eastern Michigan University in Elementary Education with a Major in Reading and a Minor in Mathematics.

Full Bio →

Written by

Chris Harrigan has an economic degree from Limestone College and an MBA from Clemson University. He previously managed auto insurance claims for Enterprise Rent-A-Car. Currently, he is using his business and insurance expertise to provide insurance data analysis and visualizations to enhance the user experience.

Full Bio →

Reviewed by Chris Harrigan
Former Auto Insurance Claims Manager

UPDATED: Aug 12, 2021

Advertiser Disclosure

It’s all about you. We want to help you make the right car insurance coverage choices.

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.

Our car insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different car insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Key takeaways...

  • Car insurance is not negotiable once a quote has been issued
  • It’s your right to get quotes from multiple insurance companies
  • There are many ways for you to control the cost of insurance

The cost of car insurance is non-negotiable. Once you receive a quote from an insurance company, it is up to you to either accept the quote or to get quotes from another company. Keep in mind that you can request multiple quotes, to see if there’s a chance of saving money by going with one provider over another.

There are ways you can negotiate the cost by working with multiple car insurance companies as well as adjusting the coverage within your policy.

Enter your zip code into our free comparison tool to find the best rate for your car insurance needs.

Why should you get multiple insurance quotes?

You have the right to get multiple insurance quotes. It’s a good idea to get quotes online from three or four insurance companies. Every insurance company uses the same factors, though many will put a higher emphasis on one factor over another.

Further, many insurance companies have different cost structures because of the different states they are in as well as the customers they insure.

You might find that one insurance company is considerably lower than another insurance company.

If you fail to get multiple quotes, you may miss out on the competitive prices of other companies. Don’t ever stick with the largest auto insurers, either. Taking a look into smaller companies may net you better customer satisfaction. You would end up paying more money, and since insurance companies don’t negotiate, you would have no way of lowering your premiums.

Compare Car Insurance Companies

Compare quotes from the top car insurance companies and save

 Secured with SHA-256 Encryption

Compare quotes from the top car insurance companies and save

 Secured with SHA-256 Encryption

Should you adjust your deductible?

Your deductible is what you pay when filing a claim. The average deductibles are $500 or $1,000, though you might have other options available to you as well, depending on the insurance company. The higher your deductible, the lower your premium will be.

The deductible is your out-of-pocket expense to deal with when there is a claim.

Once you pay the deductible, the insurance company will take care of the remainder, up to your coverage limits.

By paying a higher deductible, you show that you’re willing to take on more of the expense if there is an incident.

What determines coverage levels?

You have to adhere to state requirements for car insurance as the minimum level of coverage. State requirements generally identify coverage levels for bodily injury and property damage liability. You can then choose to go above those levels, but not below.

Additionally, you might want to consider other types of coverage, including:

  • Comprehensive
  • Collision
  • Uninsured motorist

The more coverage you add, the more expensive your premium is going to be. While certain levels of coverage are a must in order to provide protection against various scenarios, you can choose the total coverage level.

If you are a safe driver in a city where there is not a large number of accidents or traffic congestion, you might be able to reduce some of your liability levels in order to save money on your premium.

Are you getting the best premium cost?

Although you can’t negotiate a quote down once you receive it from the insurance company, there are ways to make sure that you get the best possible price from your insurer. Many of the largest insurers will offer you discounts and options, but don’t forget about the smaller companies. Sometimes they can offer options the largest insurers cannot.

Know What Goes into Your Policy

A lot of factors go into the cost of your car insurance policy. These factors include such things as age, gender, and your driving record. If you have safe driving habits, chances are you’re going to get better prices on coverage. When you know more about the factors, you can work to influence them as much as possible so that you can afford your monthly payments.

While you can’t do things about your age and gender, you can control your driving record, the car you drive, and quite a few more factors. They should all help you in the process of getting the proper assistance with your coverage.

Be a Safe Driver

The safer you are on the road, the less likely you are to get into an accident. When you can show insurance companies that you have gone accident-free for several years, you are rewarded with lower annual premiums for your insurance.

Additionally, you are also rewarded if you don’t get traffic violations for speeding and other things because it shows you’re following the rules of the road.

Get a Safe Car

Review the safety ratings of cars to save money. Many cars have a lot of safety features to avoid collisions and even help with backing up, parking and more. Take the time to review a few different cars before purchasing one impulsively.

You can even get quotes from insurance companies on the two or three cars you’re considering to see how they will each measure up in terms of how much it will cost to insure them.

Car insurance premiums are non-negotiable. However, there are ways for you to negotiate how much you pay based on shopping for rates from multiple insurance companies and determining what is included in your insurance policy. And never shy away from the type of provider that will give you excellent customer satisfaction, either. Be comfortable in the car you drive as well as the coverage you have!

Enter your zip code below to compare rates today!