If you’re wondering if you can negotiate auto insurance rates, the short answer is no. States regulate car insurance costs, so you can’t ask your insurer to give you a lower price.
However, that doesn’t mean that you are stuck with the quote a car insurance company offers. One of the most effective strategies for lowering your rates is shopping around for estimates to see how rates vary between providers.
In addition to shopping around, there are several ways to find a more affordable rate, which MoneyGeek’s guide explores in detail.