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Tips for Negotiating Lower Insurance Premiums

 You’ve likely done research on common steps you can take to lower the overall cost of your insurance, but simply calling your agent and having a conversation about your lifestyle and car can do wonders for the cost of your coverage. Learn how to negotiate to talk your way to lower Sacramento insurance to save money while still enjoying exemplary coverage and peace of mind.

How Many Miles Do You Drive Your Car Every Year?


If you can, figure out how many miles you drive your car every year. This might seem like a tedious task, but it’s also one that can ease your financial burden when it’s time to pay your insurance. You may be able to come up with a solid sum by taking the number of miles you drive a week and multiplying it by 52, depending on how your driving habits vary. The less time you spend on the road, the less of a risk you’re deemed to be by your insurer.

How Do You Use Your Vehicle?


How you use your vehicle is just as important as how often you drive your vehicle. For instance, do you mainly drive to and from work in your insured vehicle? Or maybe you take public transportation for your commute and only drive to get groceries, for weekend getaways, to spend time with friends and the like. Drivers who mainly drive for pleasure rather than for business or work purposes aren’t subject to the same hazards as those who use their cars during rush-hour traffic.

What Safety Devices Does Your Vehicle Have?


Cars with a variety of safety features such as anti-theft devices, modern braking technology and a variety of airbags not only protect you physically, but financially as well. Bear in mind that it’s not enough for your car to simply have these precautions, you also need to know whether they’re passive or active as well as have a general idea of how they work. Once you do, you’ll be that much better informed to talk with your insurance agent about potentially lowering your premiums.  

Do You Have a Clean Driving History?


Before offering you an insurance quote, agents take a look at your driving record to see if you’ve received any tickets or similar run-ins with the law. If you have a lead foot, have been pulled over for running red lights and the like, you’re considered a risk and will have the high premiums to prove it.

On a related note, if your driving record indicates that you haven’t filed an auto insurance claim in several years and have been with the same policy provider for several years, there’s a good chance you’ll receive some type of discount for your loyalty. Have you ever taken a defensive driving course? If so, be sure to let your agent know as this, too, can get you lowered premium.

Expand your thinking when it comes to looking for ways to get cheaper auto insurance premiums. Know that agents want you to stay with them rather than go elsewhere for your insurance needs, which means they’re likely to do everything possible to lower your premiums.

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