Rule of thumb.
2-4 weeks before insurance is due… one should phone the company and confirm the new rate. Then ask what the best rate is. And what the extra best rate is.
Usually price comes down 15-25%.
Person on the phone said they can drop the rate by 15%. Supervisor can approve up to 25%.
Other ways to lower rates is confirming facts. Ensure facts so don’t lose
Not driving to work or lowering kilometres driven to work
Kilometres driven per year
Lowest risk driver is primary driver for most expensive vehicle
Not having collision damage on a car with low black book value
Highest risk youth driver as secondary driver on cheapest vehicle
Removing windshield replacement
Raising deductible
Just asking the person what else can be done to lower the rate.
I have found it’s good to negotiate the rate or at least try.
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It is not the most intellectual of the species that survives; it is not the strongest that survives; but the species that survives is the one that is able best to adapt and adjust to the changing environment in which it finds itself. Charles Darwin
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