Since insurance premiums are set by the insurers we work with, there is, unfortunately, no room for negotiation.

However, there are other ways to lower your premium. Adjusting your coverage – such as selecting a higher deductible, modifying your coverage limits, or removing optional coverages you don’t need – can help reduce your premium. Just keep in mind that while these changes can lead to savings, they will also likely limit your coverage, so be sure to assess your needs carefully before making any of these adjustments.

Another option is to bundle your home and car insurance policies with YouSet, which we’ve found can save users up to an additional 15% on their premium.