Hellobee Boards

People ask me to reduce their clients' premiums all the time, but sadly it cannot be done "just because."

There are discounts you may be missing out on or coverage options that may be tweeted to lower your rate. The best thing you can do for yourself is shop your policies online, with agencies both exclusive like State Farm (one policy to sell) or independent that have several carriers and policies.

Do you pay your premiums in full or have them swept from youraaccount? If not, those are two discounts that will not change your coverage, but may lower your premium.

ETA: insurance is regulated by the state, so laws may differ, but in my state it's illegal to offer the same risk different rates. Meaning if me and you have the same credit, same zip, same cars, same bday, same coverage and all the other things that go into a rate then we must get the same rate. If I offer a discount to you then I must make that same opportunity available to another person that qualifies for it.

@sunny: we called our two separate insurance companies and both of us got small discounts for our jobs (military/airline pilots). I'm sure it isn't the only career field out there conducive to car insurance discounts.

I was able to do it on car insurance when I called. They dug around for additional discounts and had recently added some new program discounts that we were eligible for. I also did a lot of research and got quotes elsewhere for around $5o less/mo. I called because I wanted to stay with our current provider for longevity reasons and I've liked their service thus far. I'm now paying $10 more than I was before but I added another brand new car to the coverage, so it was a good move!