Are auto insurance rates negotiable. Well, the short answer is no auto insurance rates are generally not negotiable. However, there is more to this question than my short answer that I just gave you. So in truth, uh what most people want to know is how they can lower their auto insurance rates. Now, while the premiums, a carrier offers aren’t negotiated, there are actually other ways that you can knock that rate down. Auto insurance carriers determine their fees based on this really complex set of variables that include, you know, uh your driving record and um, your age where you live, uh, how many miles you drive in a month, things like that, which means if you want, uh lower insurance rates, then there are several things that you can do. Uh, for starters, you can drive fewer miles, which might mean, you know, carpooling or taking public transportation. And let’s see what else? Um Another great idea that you could do to, um, lower those rates is to improve your driving record by going to driving school. As a matter of fact, some carriers will encourage you to take a defensive driving class in exchange for lower premiums, I gotta say, uh a knowledgeable insurance agent can help you find ways to lower your premiums. So even though rates aren’t directly negotiable, there are definitely plenty of ways to save money on auto insurance.

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