{"id":58995,"date":"2023-02-27T04:45:01","date_gmt":"2023-02-27T08:45:01","guid":{"rendered":"https:\/\/www.iwillteachyoutoberich.com\/?p=58995"},"modified":"2025-04-03T11:10:55","modified_gmt":"2025-04-03T15:10:55","slug":"tip-13-negotiate-your-car-insurance","status":"publish","type":"post","link":"https:\/\/www.iwillteachyoutoberich.com\/tip-13-negotiate-your-car-insurance\/","title":{"rendered":"How To Lower Your Car Insurance: Negotiate With These 4 Steps"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"58995\" class=\"elementor elementor-58995\" data-elementor-post-type=\"post\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-d14588b elementor-section-boxed elementor-section-height-default elementor-section-height-default qodef-elementor-content-no\" data-id=\"d14588b\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-57b276f\" data-id=\"57b276f\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-396ea2b elementor-widget elementor-widget-text-editor\" data-id=\"396ea2b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Car insurance rates are rising \u2014 by a lot. This line item in <a href=\"https:\/\/www.iwillteachyoutoberich.com\/budget-help\/\" target=\"_blank\" rel=\"noopener\">your budget<\/a> can be imposing, especially when it feels like you don&#8217;t have any control over it. But what if I told you it was possible to regain control over this seemingly out of control expense?<\/p>\n<p><!-- \/wp:paragraph --><!-- wp:paragraph --><\/p>\n<p>Learning how to lower car insurance premiums is more important for consumers than ever. To help, I want to go over my system to do exactly that \u2014 lower your car insurance in just 4 steps \u2014 as well as give you 10 great scripts to use to uncover even more savings.<\/p>\n<p><!-- \/wp:paragraph --><!-- wp:heading {\"level\":3} --><\/p>\n<h3 id=\"toc\">Lower your Car Insurance Table of Contents:<\/h3>\n<p><!-- \/wp:heading --><!-- wp:list --><\/p>\n<ul>\n<li><a href=\"#2\">How to lower your car insurance in 4 steps:<\/a>\n<ol>\n<li><a href=\"https:\/\/iwtoldproddev.wpengine.com\/blog\/tip-13-negotiate-your-car-insurance\/#3\">Step 1: Find how much coverage you need<\/a><\/li>\n<li><a href=\"https:\/\/iwtoldproddev.wpengine.com\/blog\/tip-13-negotiate-your-car-insurance\/#4\">Step 2: Find your current plan<\/a><\/li>\n<li><a href=\"https:\/\/iwtoldproddev.wpengine.com\/blog\/tip-13-negotiate-your-car-insurance\/#5\">Step 3: Shop around<\/a><\/li>\n<li><a href=\"https:\/\/iwtoldproddev.wpengine.com\/blog\/tip-13-negotiate-your-car-insurance\/#6\">Step 4: Lower your car insurance with scripts<\/a><\/li>\n<\/ol>\n<\/li>\n<li><a href=\"#9\">10 scripts for lowering car insurance<\/a><\/li>\n<li><a href=\"#10\">Going Beyond car insurance negotiations<\/a><\/li>\n<\/ul>\n<h2 id=\"2\">How to lower your car insurance<\/h2>\n<p><!-- \/wp:heading --><!-- wp:heading {\"level\":3} --><\/p>\n<h3 id=\"3\"><strong>Step 1:\u00a0Find how much coverage you need<\/strong><\/h3>\n<p><!-- \/wp:heading --><!-- wp:paragraph --><\/p>\n<p>Most U.S. states \u2014 besides New Hampshire and Virginia \u2014 require you to get car insurance as well as a certain amount of liability coverage required by law.<\/p>\n<p><!-- \/wp:paragraph --><!-- wp:paragraph --><\/p>\n<p>When it comes to the amount of liability that\u2019s required, you\u2019ll typically need to find coverage in three areas:<\/p>\n<p><!-- \/wp:paragraph --><!-- wp:list {\"ordered\":true} --><\/p>\n<ol>\n<li><strong>Bodily injury (per person). <\/strong>This is the amount that is covered for each person who gets hurt during an accident.<\/li>\n<li><strong>Bodily injury (total). <\/strong>The most an insurance company will cover for bodily injury per accident.<\/li>\n<li><strong>Property damage (total). <\/strong>This does not include your own property. This amount only covers the damage sustained to the property of others.<\/li>\n<\/ol>\n<p><!-- \/wp:list --><!-- wp:paragraph --><\/p>\n<p>Though every state requires you to get a certain amount of liability coverage, the full amount of the coverage varies.<\/p>\n<p><!-- \/wp:paragraph --><!-- wp:paragraph --><\/p>\n<p>Here\u2019s a comprehensive list of car insurance minimum coverage requirements for each state (e.g., Alabama requires $25,000 for bodily injury per person).<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1238e4a elementor-widget elementor-widget-text-editor\" data-id=\"1238e4a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><!-- wp:paragraph --><\/p>\n<p><!-- \/wp:paragraph --><!-- wp:table --><\/p>\n<figure class=\"wp-block-table\">\n<table>\n<tbody>\n<tr>\n<td><strong>STATE<\/strong><\/td>\n<td><strong>BODILY INJURY (PER PERSON)<\/strong><\/td>\n<td><strong>BODILY INJURY (TOTAL)<\/strong><\/td>\n<td><strong>PROPERTY DAMAGE (TOTAL)<\/strong><\/td>\n<\/tr>\n<tr>\n<td>AL<\/td>\n<td>$25,000<\/td>\n<td>$50,000<\/td>\n<td>$25,000<\/td>\n<\/tr>\n<tr>\n<td>AK<\/td>\n<td>$50,000<\/td>\n<td>$100,000<\/td>\n<td>$25,000<\/td>\n<\/tr>\n<tr>\n<td>AZ<\/td>\n<td>$15,000<\/td>\n<td>$30,000<\/td>\n<td>$10,000<\/td>\n<\/tr>\n<tr>\n<td>AR<\/td>\n<td>$25,000<\/td>\n<td>$50,000<\/td>\n<td>$25,000<\/td>\n<\/tr>\n<tr>\n<td>CA<\/td>\n<td>$15,000<\/td>\n<td>$30,000<\/td>\n<td>$5,000<\/td>\n<\/tr>\n<tr>\n<td>CO<\/td>\n<td>$25,000<\/td>\n<td>$50,000<\/td>\n<td>$15,000<\/td>\n<\/tr>\n<tr>\n<td>CT<\/td>\n<td>$20,000<\/td>\n<td>$50,000<\/td>\n<td>$25,000<\/td>\n<\/tr>\n<tr>\n<td>DE<\/td>\n<td>$25,000<\/td>\n<td>$50,000<\/td>\n<td>$10,000<\/td>\n<\/tr>\n<tr>\n<td>FL<\/td>\n<td>Not required<\/td>\n<td>Not required<\/td>\n<td>$10,000<\/td>\n<\/tr>\n<tr>\n<td>GA<\/td>\n<td>$25,000<\/td>\n<td>$50,000<\/td>\n<td>$25,000<\/td>\n<\/tr>\n<tr>\n<td>HI<\/td>\n<td>$20,000<\/td>\n<td>$40,000<\/td>\n<td>$10,000<\/td>\n<\/tr>\n<tr>\n<td>ID<\/td>\n<td>$25,000<\/td>\n<td>$50,000<\/td>\n<td>$15,000<\/td>\n<\/tr>\n<tr>\n<td>IL<\/td>\n<td>$25,000<\/td>\n<td>$50,000<\/td>\n<td>$20,000<\/td>\n<\/tr>\n<tr>\n<td>IN<\/td>\n<td>$25,000<\/td>\n<td>$50,000<\/td>\n<td>$25,000<\/td>\n<\/tr>\n<tr>\n<td>IA<\/td>\n<td>$20,000<\/td>\n<td>$40,000<\/td>\n<td>$15,000<\/td>\n<\/tr>\n<tr>\n<td>KS<\/td>\n<td>$25,000<\/td>\n<td>$50,000<\/td>\n<td>$25,000<\/td>\n<\/tr>\n<tr>\n<td>KY<\/td>\n<td>$25,000<\/td>\n<td>$50,000<\/td>\n<td>$25,000<\/td>\n<\/tr>\n<tr>\n<td>LA<\/td>\n<td>$15,000<\/td>\n<td>$30,000<\/td>\n<td>$25,000<\/td>\n<\/tr>\n<tr>\n<td>ME<\/td>\n<td>$50,000<\/td>\n<td>$100,000<\/td>\n<td>$25,000<\/td>\n<\/tr>\n<tr>\n<td>MD<\/td>\n<td>$30,000<\/td>\n<td>$60,000<\/td>\n<td>$15,000<\/td>\n<\/tr>\n<tr>\n<td>MA<\/td>\n<td>$20,000<\/td>\n<td>$40,000<\/td>\n<td>$5,000<\/td>\n<\/tr>\n<tr>\n<td>MI<\/td>\n<td>$20,000<\/td>\n<td>$40,000<\/td>\n<td>$10,000<\/td>\n<\/tr>\n<tr>\n<td>MN<\/td>\n<td>$30,000<\/td>\n<td>$60,000<\/td>\n<td>$10,000<\/td>\n<\/tr>\n<tr>\n<td>MS<\/td>\n<td>$25,000<\/td>\n<td>$50,000<\/td>\n<td>$25,000<\/td>\n<\/tr>\n<tr>\n<td>MO<\/td>\n<td>$25,000<\/td>\n<td>$50,000<\/td>\n<td>$20,000<\/td>\n<\/tr>\n<tr>\n<td>MT<\/td>\n<td>$25,000<\/td>\n<td>$50,000<\/td>\n<td>$20,000<\/td>\n<\/tr>\n<tr>\n<td>NE<\/td>\n<td>$25,000<\/td>\n<td>$50,000<\/td>\n<td>$25,000<\/td>\n<\/tr>\n<tr>\n<td>NV<\/td>\n<td>$25,000<\/td>\n<td>$50,000<\/td>\n<td>$20,000<\/td>\n<\/tr>\n<tr>\n<td>NH*<\/td>\n<td>$25,000<\/td>\n<td>$50,000<\/td>\n<td>$25,000<\/td>\n<\/tr>\n<tr>\n<td>NJ<\/td>\n<td>$15,000<\/td>\n<td>$30,000<\/td>\n<td>$5,000<\/td>\n<\/tr>\n<tr>\n<td>NM<\/td>\n<td>$25,000<\/td>\n<td>$50,000<\/td>\n<td>$10,000<\/td>\n<\/tr>\n<tr>\n<td>NY<\/td>\n<td>$25,000<\/td>\n<td>$50,000<\/td>\n<td>$10,000<\/td>\n<\/tr>\n<tr>\n<td>NC<\/td>\n<td>$30,000<\/td>\n<td>$60,000<\/td>\n<td>$25,000<\/td>\n<\/tr>\n<tr>\n<td>ND<\/td>\n<td>$25,000<\/td>\n<td>$50,000<\/td>\n<td>$25,000<\/td>\n<\/tr>\n<tr>\n<td>OH<\/td>\n<td>$25,000<\/td>\n<td>$50,000<\/td>\n<td>$25,000<\/td>\n<\/tr>\n<tr>\n<td>OK<\/td>\n<td>$25,000<\/td>\n<td>$50,000<\/td>\n<td>$25,000<\/td>\n<\/tr>\n<tr>\n<td>OR<\/td>\n<td>$25,000<\/td>\n<td>$50,000<\/td>\n<td>$20,000<\/td>\n<\/tr>\n<tr>\n<td>PA<\/td>\n<td>$15,000<\/td>\n<td>$30,000<\/td>\n<td>$5,000<\/td>\n<\/tr>\n<tr>\n<td>RI<\/td>\n<td>$25,000<\/td>\n<td>$50,000<\/td>\n<td>$25,000<\/td>\n<\/tr>\n<tr>\n<td>SC<\/td>\n<td>$25,000<\/td>\n<td>$50,000<\/td>\n<td>$25,000<\/td>\n<\/tr>\n<tr>\n<td>SD<\/td>\n<td>$25,000<\/td>\n<td>$50,000<\/td>\n<td>$25,000<\/td>\n<\/tr>\n<tr>\n<td>TN<\/td>\n<td>$25,000<\/td>\n<td>$50,000<\/td>\n<td>$15,000<\/td>\n<\/tr>\n<tr>\n<td>TX<\/td>\n<td>$30,000<\/td>\n<td>$60,000<\/td>\n<td>$25,000<\/td>\n<\/tr>\n<tr>\n<td>UT<\/td>\n<td>$25,000<\/td>\n<td>$65,000<\/td>\n<td>$15,000<\/td>\n<\/tr>\n<tr>\n<td>VT<\/td>\n<td>$25,000<\/td>\n<td>$50,000<\/td>\n<td>$10,000<\/td>\n<\/tr>\n<tr>\n<td>VA**<\/td>\n<td>$25,000<\/td>\n<td>$50,000<\/td>\n<td>$20,000<\/td>\n<\/tr>\n<tr>\n<td>WA<\/td>\n<td>$25,000<\/td>\n<td>$50,000<\/td>\n<td>$10,000<\/td>\n<\/tr>\n<tr>\n<td>D.C.<\/td>\n<td>$25,000<\/td>\n<td>$50,000<\/td>\n<td>$10,000<\/td>\n<\/tr>\n<tr>\n<td>WV<\/td>\n<td>$25,000<\/td>\n<td>$50,000<\/td>\n<td>$25,000<\/td>\n<\/tr>\n<tr>\n<td>WI<\/td>\n<td>$25,000<\/td>\n<td>$50,000<\/td>\n<td>$10,000<\/td>\n<\/tr>\n<tr>\n<td>WY<\/td>\n<td>$25,000<\/td>\n<td>$50,000<\/td>\n<td>$20,000<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/figure>\n<p><!-- \/wp:table --><!-- wp:paragraph --><\/p>\n<p><em>*(Coverage is optional but this is the minimum if you purchase it)<br \/>**(Required if you choose to purchase coverage. If not, you must pay a $500 uninsured motorists fee)<\/em><\/p>\n<p><!-- \/wp:paragraph --><!-- wp:paragraph --><\/p>\n<p>For an even more comprehensive look at what your state might require for car insurance, be sure to check out your <u><a href=\"https:\/\/www.fhwa.dot.gov\/about\/webstate.cfm\" target=\"_blank\" rel=\"noopener noreferrer\">state\u2019s department of transportation website<\/a><\/u>.<\/p>\n<p><!-- \/wp:paragraph --><!-- wp:paragraph --><\/p>\n<p><strong>Other coverage options<br \/><\/strong>Aside from state requirements regarding liability, most car insurers will provide five other coverage options. Deciding which ones you want is a matter of personal preference and factors like how old your car is.<\/p>\n<p><!-- \/wp:paragraph --><!-- wp:paragraph --><\/p>\n<p>The coverages are:<\/p>\n<p><!-- \/wp:paragraph --><!-- wp:list {\"ordered\":true} --><\/p>\n<ol>\n<li><strong>Uninsured motorists. <\/strong>Some states require you to be insured to protect against uninsured motorists. This coverage helps you in the event that you get into an accident with someone who isn\u2019t insured and can\u2019t pay for your car repair and\/or medical bills.<\/li>\n<li><strong>Medical costs. <\/strong>If you\u2019re injured in an accident, the insurance company will pay some or all of your medical bills (depending on the coverage and how much the bill is).<\/li>\n<li><strong>Personal injury protection. <\/strong>Like uninsured motorists coverage, some states require you to get this as a minimum. This pays for any medical expenses or lost wages you might encounter due to a collision.<\/li>\n<li><strong>Collision. <\/strong>This coverage typically protects your vehicle against collisions with other motorists or objects. Good if you\u2019re prone to accidentally backing up into the mailbox.<\/li>\n<li><strong>Comprehensive. <\/strong>This coverage tends to cover the whole gamut of things that might happen to your car such as hail, water, and fire damage; if it gets stolen; vandalism; or total destruction. I wouldn\u2019t suggest getting this coverage if your car is already pretty old or isn\u2019t worth much.<\/li>\n<\/ol>\n<p><!-- \/wp:list --><!-- wp:paragraph --><\/p>\n<p>I highly suggest you get collision and comprehensive coverage as well. Along with liability insurance, you\u2019ll be insured against the likeliest of events that will occur to you and your car.<\/p>\n<p><!-- \/wp:paragraph --><!-- wp:paragraph --><\/p>\n<p>There\u2019s even a good chance you\u2019ll need those policies anyway if you\u2019re leasing your vehicle.<\/p>\n<p><!-- \/wp:paragraph --><!-- wp:paragraph --><\/p>\n<p>So consider your options and decide what you want out of your insurance coverage. Once you do that, you\u2019ll be ready for step two.<\/p>\n<h3 id=\"4\">Step 2:<strong>\u00a0Find your current plan<\/strong><\/h3>\n<p><!-- \/wp:heading --><!-- wp:paragraph --><\/p>\n<p>If you don\u2019t have your current plan in front of you, how can you know how to lower your car insurance?<\/p>\n<p><!-- \/wp:paragraph --><!-- wp:paragraph --><\/p>\n<p>That\u2019s why you need to find out what your current policy looks like. Go digging through the glove compartment for it, check your files, or call your insurance company. This is important information you can leverage when negotiating with your current insurance provider.<\/p>\n<p><!-- \/wp:paragraph --><!-- wp:paragraph --><\/p>\n<p>At the very least, you need to know how much you\u2019re paying and for what services.<\/p>\n<p><!-- \/wp:paragraph --><!-- wp:paragraph --><\/p>\n<p>Here are the numbers of the most popular car insurance providers that you can use to call to find out your policy now.<\/p>\n<p><!-- \/wp:paragraph --><!-- wp:table --><\/p>\n<p><!-- \/wp:table --><!-- wp:paragraph --><\/p>\n<p><!-- \/wp:paragraph --><!-- wp:block {\"ref\":33987} \/--><!-- wp:heading {\"level\":3} --><\/p>\n<p><!-- \/wp:paragraph --><!-- wp:paragraph --><\/p>\n<p><!-- \/wp:cover --><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-513668d eael-dt-th-align-center eael-table-align-center elementor-widget elementor-widget-eael-data-table\" data-id=\"513668d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"eael-data-table.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"eael-data-table-wrap\" data-table_id=\"513668d\" id=\"eael-data-table-wrapper-513668d\" data-custom_responsive=\"false\">\n\t\t\t<table class=\"tablesorter eael-data-table center\" id=\"eael-data-table-513668d\">\n\t\t\t    <thead>\n\t\t\t        <tr class=\"table-header\">\n\t\t\t\t\t\t\t\t\t            <th class=\"\" id=\"\" colspan=\"\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"data-table-header-text\">Car Insurance Providers<\/span><\/th>\n\t\t\t        \t\t\t\t            <th class=\"\" id=\"\" colspan=\"\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"data-table-header-text\">Phone Number<\/span><\/th>\n\t\t\t        \t\t\t\t        <\/tr>\n\t\t\t    <\/thead>\n\t\t\t  \t<tbody>\n\t\t\t\t\t\t\t\t\t\t\t<tr>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t   \t\t\t\t\t\t\t\t\t\t\t<td colspan=\"\" rowspan=\"\" class=\"\" id=\"\">\n\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"td-content-wrapper\"><div class=\"td-content\">\n\t\t\t\t\t\t\t\t\t\t\t\t\tGeico:\t\t\t\t\t\t\t\t\t\t\t\t<\/div><\/div>\n\t\t\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t   \t\t\t\t\t\t\t\t\t\t\t<td colspan=\"\" rowspan=\"\" class=\"\" id=\"\">\n\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"td-content-wrapper\"><div class=\"td-content\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t1-800-861-8380\t\t\t\t\t\t\t\t\t\t\t\t<\/div><\/div>\n\t\t\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/tr>\n\t\t\t        \t\t\t\t\t\t<tr>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t   \t\t\t\t\t\t\t\t\t\t\t<td colspan=\"\" rowspan=\"\" class=\"\" id=\"\">\n\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"td-content-wrapper\"><div class=\"td-content\">\n\t\t\t\t\t\t\t\t\t\t\t\t\tAAA:\t\t\t\t\t\t\t\t\t\t\t\t<\/div><\/div>\n\t\t\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t   \t\t\t\t\t\t\t\t\t\t\t<td colspan=\"\" rowspan=\"\" class=\"\" id=\"\">\n\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"td-content-wrapper\"><div class=\"td-content\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t1-888-883-8417\t\t\t\t\t\t\t\t\t\t\t\t<\/div><\/div>\n\t\t\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/tr>\n\t\t\t        \t\t\t\t\t\t<tr>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t   \t\t\t\t\t\t\t\t\t\t\t<td colspan=\"\" rowspan=\"\" class=\"\" id=\"\">\n\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"td-content-wrapper\"><div class=\"td-content\">\n\t\t\t\t\t\t\t\t\t\t\t\t\tAllstate:\t\t\t\t\t\t\t\t\t\t\t\t<\/div><\/div>\n\t\t\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t   \t\t\t\t\t\t\t\t\t\t\t<td colspan=\"\" rowspan=\"\" class=\"\" id=\"\">\n\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"td-content-wrapper\"><div class=\"td-content\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t1-877-810-2920\t\t\t\t\t\t\t\t\t\t\t\t<\/div><\/div>\n\t\t\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/tr>\n\t\t\t        \t\t\t\t\t\t<tr>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t   \t\t\t\t\t\t\t\t\t\t\t<td colspan=\"\" rowspan=\"\" class=\"\" id=\"\">\n\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"td-content-wrapper\"><div class=\"td-content\">\n\t\t\t\t\t\t\t\t\t\t\t\t\tProgressive:\t\t\t\t\t\t\t\t\t\t\t\t<\/div><\/div>\n\t\t\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t   \t\t\t\t\t\t\t\t\t\t\t<td colspan=\"\" rowspan=\"\" class=\"\" id=\"\">\n\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"td-content-wrapper\"><div class=\"td-content\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t1-800-776-4737\t\t\t\t\t\t\t\t\t\t\t\t<\/div><\/div>\n\t\t\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/tr>\n\t\t\t        \t\t\t\t\t\t<tr>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t   \t\t\t\t\t\t\t\t\t\t\t<td colspan=\"\" rowspan=\"\" class=\"\" id=\"\">\n\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"td-content-wrapper\"><div class=\"td-content\">\n\t\t\t\t\t\t\t\t\t\t\t\t\tState Farm:\t\t\t\t\t\t\t\t\t\t\t\t<\/div><\/div>\n\t\t\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t   \t\t\t\t\t\t\t\t\t\t\t<td colspan=\"\" rowspan=\"\" class=\"\" id=\"\">\n\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"td-content-wrapper\"><div class=\"td-content\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t1-800-STATE-FARM (1-800-782-8332)\t\t\t\t\t\t\t\t\t\t\t\t<\/div><\/div>\n\t\t\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/tr>\n\t\t\t        \t\t\t    <\/tbody>\n\t\t\t<\/table>\n\t\t<\/div>\n\t  \t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0cedd82 elementor-widget elementor-widget-text-editor\" data-id=\"0cedd82\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p style=\"background-color: rgb(245, 238, 228); color: rgb(0, 0, 0);\">By now you should have your policy in front of you. This includes what type of car insurance coverage you have as well as your deductibles and how much you\u2019re paying in premiums.<\/p><p style=\"background-color: rgb(245, 238, 228); color: rgb(0, 0, 0);\"><\/p><p style=\"background-color: rgb(245, 238, 228); color: rgb(0, 0, 0);\">You\u2019re now ready to begin comparing it with other car insurers.<\/p><h3 id=\"5\" style=\"background-color: rgb(245, 238, 228); letter-spacing: normal;\">Step 3:<span style=\"font-weight: bolder;\">&nbsp;Shop around<\/span><\/h3><p style=\"background-color: rgb(245, 238, 228); color: rgb(0, 0, 0);\"><\/p><p style=\"background-color: rgb(245, 238, 228); color: rgb(0, 0, 0);\">To start, you can use a rate comparer tool&nbsp;<u><a href=\"https:\/\/www.compare.com\/auto-insurance\" target=\"_blank\" rel=\"noopener noreferrer\">such as this one<\/a><\/u>&nbsp;to compare quotes from different insurers.<\/p><p style=\"background-color: rgb(245, 238, 228); color: rgb(0, 0, 0);\"><\/p><p style=\"background-color: rgb(245, 238, 228); color: rgb(0, 0, 0);\">I prefer talking to a rep on the phone, though, because they always tell me about other deals that the websites don\u2019t offer.<\/p><p style=\"background-color: rgb(245, 238, 228); color: rgb(0, 0, 0);\"><\/p><p style=\"background-color: rgb(245, 238, 228); color: rgb(0, 0, 0);\">When consulting with a rep or looking up quotes online, be sure to find out how much exactly you\u2019ll be paying in these two areas:<\/p><p style=\"background-color: rgb(245, 238, 228); color: rgb(0, 0, 0);\"><\/p><ul style=\"background-color: rgb(245, 238, 228);\"><li><span style=\"font-weight: bolder;\">Premiums.&nbsp;<\/span>This is the price you\u2019ll pay for your plan. Typically, insurers offer 6-month and 12-month policies, and provide options for payment plans including paying for coverage all at once, quarterly, or month by month.<\/li><li><span style=\"font-weight: bolder;\">Deductibles.&nbsp;<\/span>This is the portion you\u2019ll pay out of pocket before your insurer pays the rest.<\/li><\/ul><p style=\"background-color: rgb(245, 238, 228); color: rgb(0, 0, 0);\"><\/p><p style=\"background-color: rgb(245, 238, 228); color: rgb(0, 0, 0);\">Not many people know this but you can actually lower your premiums by opting for higher deductibles. According to a&nbsp;<u><a href=\"https:\/\/www.insurancequotes.com\/auto\/car-insurance-deductible\" target=\"_blank\" rel=\"noopener noreferrer\">report from InsuranceQuotes.com<\/a><\/u>, you can lower premiums by 9% by raising deductibles from $500 to $1,000.<\/p><p style=\"background-color: rgb(245, 238, 228); color: rgb(0, 0, 0);\"><\/p><p style=\"background-color: rgb(245, 238, 228); color: rgb(0, 0, 0);\">This is all a matter of personal preference though. If you\u2019re a good driver and\/or don\u2019t typically drive your car often, opt for higher deductibles for lower premiums.<\/p><p style=\"background-color: rgb(245, 238, 228); color: rgb(0, 0, 0);\"><\/p><p style=\"background-color: rgb(245, 238, 228); color: rgb(0, 0, 0);\">If you\u2019re accident prone, drive a lot, or have kids that plan to learn how to drive soon, definitely opt for the lower deductible.<\/p><p style=\"background-color: rgb(245, 238, 228); color: rgb(0, 0, 0);\"><\/p><p style=\"background-color: rgb(245, 238, 228); color: rgb(0, 0, 0);\">No matter the case, you should know exactly the coverage you want along with the limits for each. That way it makes everything much simpler to compare.<\/p><p style=\"background-color: rgb(245, 238, 228); color: rgb(0, 0, 0);\"><\/p><p style=\"background-color: rgb(245, 238, 228); color: rgb(0, 0, 0);\">To help keep everything organized, you can use an Excel or Google Spreadsheet.<\/p><p style=\"background-color: rgb(245, 238, 228); color: rgb(0, 0, 0);\"><\/p><p style=\"background-color: rgb(245, 238, 228); color: rgb(0, 0, 0);\">Once you get a few solid quotes, compare them to what you\u2019re currently paying. You\u2019re going to be able to make a sound argument with your insurance rep as to why you should get a lower rate once you do.<\/p><p style=\"background-color: rgb(245, 238, 228); color: rgb(0, 0, 0);\"><\/p><p style=\"background-color: rgb(245, 238, 228); color: rgb(0, 0, 0);\">Which brings us to\u2026<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2f7f58b elementor-widget elementor-widget-video\" data-id=\"2f7f58b\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;youtube_url&quot;:&quot;https:\\\/\\\/youtu.be\\\/PaR2IT3cF9U&quot;,&quot;video_type&quot;:&quot;youtube&quot;,&quot;controls&quot;:&quot;yes&quot;}\" data-widget_type=\"video.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-wrapper elementor-open-inline\">\n\t\t\t<div class=\"elementor-video\"><\/div>\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c90945c elementor-widget elementor-widget-heading\" data-id=\"c90945c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-heading-title elementor-size-xl\">The world wants you to be vanilla...<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8611d1c elementor-widget elementor-widget-text-editor\" data-id=\"8611d1c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>\u2026but you don\u2019t have to take the same path as everyone else. How would it look if you designed a Rich Life on your own terms? Take our quiz and find out: <!-- notionvc: 12911044-4afe-4fd5-91a3-ca32c2bb87fd --><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-36497e1 elementor-widget elementor-widget-button\" data-id=\"36497e1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/www.iwillteachyoutoberich.com\/rich-life-quiz\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Take the Quiz<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ad10689 elementor-widget elementor-widget-text-editor\" data-id=\"ad10689\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h3 id=\"6\">Step 4:<strong>\u00a0Lower your car insurance with this script <\/strong><\/h3>\n<p><!-- \/wp:heading --><!-- wp:paragraph --><\/p>\n<p>Now it\u2019s finally time to call up insurance reps \u2014 including the one you currently have \u2014 and negotiate an awesome deal with scripts.<\/p>\n<p><!-- \/wp:paragraph --><!-- wp:paragraph --><\/p>\n<p>This is the meat of how to lower car insurance payments.<\/p>\n<p><!-- \/wp:paragraph --><!-- wp:paragraph --><\/p>\n<p>Before you do that, though, there are two things to keep in mind when speaking to a representative.<\/p>\n<p><!-- \/wp:paragraph --><!-- wp:list {\"ordered\":true} --><\/p>\n<ol>\n<li><strong>Stay polite \u2014 but firm. <\/strong>Don\u2019t just call up the rep and scream, \u201cGIVE ME LOWER CAR INSURANCE!!!!\u201d (I\u2019ve tried, it doesn\u2019t end well.) You need to handle the negotiation with finesse and civility \u2014 even if the representative is short with you. Nothing throws a wrench into negotiations quite like pissing off the one person who can help you.<\/li>\n<li><strong>This is not a win\/lose situation. <\/strong>You can\u2019t just make a demand and expect the person to give it to you. However, insurance companies are willing to offer discounts to make or keep high-value customers. Prepare to make your case as to why you\u2019re such a good customer and you\u2019ll see results.<\/li>\n<\/ol>\n<p><!-- \/wp:list --><!-- wp:paragraph --><\/p>\n<p>Keep those two things in mind when you call up the representative and I promise you, you\u2019ll find a great deal.<\/p>\n<p><!-- \/wp:paragraph --><!-- wp:paragraph --><\/p>\n<p id=\"7\"><strong>Renegotiate your current policy<br \/><\/strong>If you already have a car insurance policy but just want to negotiate for better rates, use the following script.<\/p>\n<p><!-- \/wp:paragraph --><!-- wp:paragraph --><\/p>\n<p><strong>ACME INSURANCE: <\/strong>Hello, Acme Insurance. How may I help you today?<\/p>\n<p><!-- \/wp:paragraph --><!-- wp:paragraph --><\/p>\n<p><strong>YOU: <\/strong>I\u2019d like to negotiate a policy. [Other insurance company] is offering to insure me for $XXX less for [coverage]. I\u2019d like to know if there\u2019s a better deal from you, please.<\/p>\n<p><!-- \/wp:paragraph --><!-- wp:paragraph --><\/p>\n<p>Wait for their response. Negotiating with this technique is much harder to do with car insurance companies than banks \u2014 but it is possible. If they\u2019re stubborn and try to shoot you down, keep pressing at it. Don\u2019t make it easy for them to say no.<\/p>\n<p><!-- \/wp:paragraph --><!-- wp:paragraph --><\/p>\n<p><strong>ACME INSURANCE: <\/strong>Sorry, but our rates are fixed at this time and we can\u2019t change it due to [some BS excuse about why they can\u2019t give you a lower rate].<\/p>\n<p><!-- \/wp:paragraph --><!-- wp:paragraph --><\/p>\n<p><strong>YOU: <\/strong>Well, I\u2019ve been a good driver for X years now and would love a lower rate. What else can you do to help me?<\/p>\n<p><!-- \/wp:paragraph --><!-- wp:paragraph --><\/p>\n<p><strong>ACME INSURANCE: <\/strong>Hmm, one second sir. I see that you\u2019re a really good customer. I\u2019m going to check with my supervisor. Can you hold for a second?<\/p>\n<p><!-- \/wp:paragraph --><!-- wp:paragraph --><\/p>\n<p>[hold]<\/p>\n<p><!-- \/wp:paragraph --><!-- wp:paragraph --><\/p>\n<p>I was able to check with my supervisor and can lower that policy by X%. Does that work?<\/p>\n<p><!-- \/wp:paragraph --><!-- wp:paragraph --><\/p>\n<p>Getting a response like that is the best-case scenario. However, there might be the chance that they deny you a discount based on this tactic alone. If this happens, I suggest you do the following:<\/p>\n<p><!-- \/wp:paragraph --><!-- wp:list {\"ordered\":true} --><\/p>\n<ol>\n<li><strong>Don\u2019t stop until you get a yes. <\/strong>Persistence is integral in negotiations. If you keep at it and make a strong case, they\u2019ll be backed into a position where they\u2019ll want to give you what you want.<\/li>\n<li><strong>Try again later. <\/strong>Like the Magic 8-Ball says, sometimes you just have to try again later.\u00a0If the first car insurance rep keeps shutting you down, thank them for their time, hang up, and dial again for a new rep. This one might be a little more amenable to your suggestions.<\/li>\n<li><strong>Refocus your negotiations. <\/strong>If they won\u2019t give you a discount because their competitors are offering better rates, don\u2019t worry. There are still other ways to get fantastic deals \u2014 which I\u2019ll go into in the next section.<\/li>\n<\/ol>\n<p><!-- \/wp:list --><!-- wp:paragraph --><\/p>\n<p>This isn\u2019t the only way to get a lower car insurance rate, though. By asking certain questions, you\u2019ll be able to unlock deals you didn\u2019t even know existed.<\/p>\n<p><!-- \/wp:paragraph --><!-- wp:paragraph --><\/p>\n<p id=\"8\"><strong>Negotiate a new policy<br \/><\/strong>You might be searching for your first car insurance policy ever. Or you might be looking to see what\u2019s better than your current one.<\/p>\n<p><!-- \/wp:paragraph --><!-- wp:paragraph --><\/p>\n<p>No matter the case, it\u2019s time to start digging deep and asking detailed questions to uncover the savings these companies have hidden from you. The majority of people won\u2019t even ask questions like these, so reps will be caught off guard \u2014 giving you the advantage.<\/p>\n<p><!-- \/wp:paragraph --><!-- wp:paragraph --><\/p>\n<p>First, you\u2019re going to want to start the same as above. Here it is again.<\/p>\n<p><!-- \/wp:paragraph --><!-- wp:paragraph --><\/p>\n<p><strong>ACME INSURANCE: <\/strong>Hello, Acme Insurance. How may I help you today?<\/p>\n<p><!-- \/wp:paragraph --><!-- wp:paragraph --><\/p>\n<p><strong>YOU: <\/strong>I\u2019d like to negotiate a policy. [Other insurance company] is offering to insure me for $XXX less for [coverage]. I\u2019d like to know if there\u2019s a better deal from you, please.<\/p>\n<p><!-- \/wp:paragraph --><!-- wp:paragraph --><\/p>\n<p>If they shoot you down, remember you can always:<\/p>\n<p><!-- \/wp:paragraph --><!-- wp:list {\"ordered\":true} --><\/p>\n<ol>\n<li>Reiterate the fact that you want a better deal and keep persisting.<\/li>\n<li>Hang up the phone and call back to negotiate with a different rep.<\/li>\n<\/ol>\n<p><!-- \/wp:list --><!-- wp:paragraph --><\/p>\n<p>If one insurance company refuses to budge after three to five calls, change course and call a different one on your list. Rinse and repeat until you have a lower insurance policy.<\/p>\n<p>Ready to start the negotiation and save some money, but aren&#8217;t sure where to start? Here are my word-for-word scripts!\u00a0<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-86bc401 elementor-widget elementor-widget-video\" data-id=\"86bc401\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;youtube_url&quot;:&quot;https:\\\/\\\/youtu.be\\\/bkGW0lAA5-I&quot;,&quot;video_type&quot;:&quot;youtube&quot;,&quot;controls&quot;:&quot;yes&quot;}\" data-widget_type=\"video.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-wrapper elementor-open-inline\">\n\t\t\t<div class=\"elementor-video\"><\/div>\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3b324e5 elementor-widget elementor-widget-text-editor\" data-id=\"3b324e5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h2 id=\"9\">10 scripts for lowering car insurance<\/h2>\n<p><!-- \/wp:heading --><!-- wp:paragraph --><\/p>\n<p>If you get the lower rate \u2014 or even if you don\u2019t \u2014 \u00a0you can refocus the negotiations and start asking for the <em>hidden <\/em>deals that many car insurers don\u2019t tell you about.<\/p>\n<p><!-- \/wp:paragraph --><!-- wp:paragraph --><\/p>\n<p>Here are 10 good scripts to ask to uncover those gems:<\/p>\n<p><!-- \/wp:paragraph --><!-- wp:list {\"ordered\":true} --><\/p>\n<ol>\n<li><strong>\u201cHow much would I save if I insure my car and house with you?\u201d <\/strong>Some insurers will discount you if you insure your house through them as well as your car.<\/li>\n<li><strong>\u201cWhat about renewal discounts? What can you offer me as a discount for long-term membership?\u201d <\/strong>Reminding them of the fact that you\u2019re looking to be a longtime customer goes a long way in ingratiating yourself to them.<\/li>\n<li><strong>\u201cCan I save money by prepaying my entire year up front?\u201d <\/strong>Many insurers will offer huge policy discounts if you prepay for an entire year.<\/li>\n<li><strong>\u201cLet\u2019s check my car. I know other firms offer discounts for features like anti-lock brakes. What about you?\u201d <\/strong>Not many people realize this, but many car insurance companies will offer better premiums if your car has safety features such as anti-lock brakes, airbags, and four-wheel drive.<\/li>\n<li><strong>\u201cWhat kind of low-mileage discounts do you offer?\u201d <\/strong>If you find yourself taking the bus or biking to work more than you ever drive, you might qualify for a low-mileage discount with car insurance companies.<\/li>\n<li><strong>\u201cIf I enrolled in a defensive-driving course, what kind of discount would you offer? Oh, really? Which courses qualify?\u201d <\/strong>Car insurance companies want you to be a safe driver. That\u2019s why some are willing to discount you if you take a course aimed at making you one.<\/li>\n<li><strong>\u201cWhat about discounts for my employer? (Tell them the specific name of your employer.)\u201d <\/strong>Some employers partner with car insurance companies in order to get great rates for their employees. Check to see if your company does this.<\/li>\n<li><strong>\u201cSome insurance companies offer discounts for low-risk occupations (engineers). What kind of competitive rates do you offer?\u201d <\/strong>Insurance companies take a look at many things when it comes to determining your rate \u2014 including your employment. After all, a NASCAR driver is probably going to have higher rates than a CPA.<\/li>\n<li><strong>\u201cAm I paying for roadside assistance? What other additional benefits am I paying for?\u201d<\/strong>\u00a0Many times, you don\u2019t need certain benefits such as roadside assistance (if you\u2019re in AAA, you already have it). In fact, many credit cards offer roadside assistance as well. Getting rid of these \u201cbenefits\u201d could give you a good discount.<\/li>\n<li><strong>\u201cCan you walk me through the deductible changes I could make to save money?\u201d <\/strong>Deductibles are what you pay before your insurance policy kicks in. By requesting higher deductibles, you can lower your costs substantially. For example, increasing your deductible from $200 to $500 could reduce your collision and comprehensive coverage cost by 15 to 30%. Going to a $1,000 deductible can save you more than 40%. Before choosing a higher deductible, be sure you have enough money set aside to pay it if you have a claim.<\/li>\n<\/ol>\n<p><!-- \/wp:list --><!-- wp:paragraph --><\/p>\n<p>Learning how to lower your car insurance seems like a lot of work \u2014 and it is.<\/p>\n<p><!-- \/wp:paragraph --><!-- wp:paragraph --><\/p>\n<p>But this is the work that 99.9999% of people out there won\u2019t do, which means your returns can be substantial if you do them.<\/p>\n<p><!-- \/wp:paragraph --><!-- wp:paragraph --><\/p>\n<p>Try some of these tactics out this week and let me know what you find in the comments.<\/p>\n<h2 id=\"10\">Beyond car insurance negotiations<\/h2>\n<p><!-- \/wp:heading --><!-- wp:paragraph --><\/p>\n<p>If you couldn\u2019t tell already, I LOVE negotiations \u2014 mostly because I got it from my parents.<\/p>\n<p><!-- \/wp:paragraph --><!-- wp:paragraph --><\/p>\n<p>I remember my dad once dragged me with him as he spent an entire week negotiating at a dealership on the price of a car.<\/p>\n<p><!-- \/wp:paragraph --><!-- wp:paragraph --><\/p>\n<p>After many days of back and forth with our salesperson, they finally reached a price they could agree on. BUT as he was <em>literally <\/em>about to sign the contract, he asked the dealership to throw in some extra floor mats.<\/p>\n<p><!-- \/wp:paragraph --><!-- wp:paragraph --><\/p>\n<p>They said no.<\/p>\n<p><!-- \/wp:paragraph --><!-- wp:paragraph --><\/p>\n<p>And he <em>walked away. <\/em><\/p>\n<p><!-- \/wp:paragraph --><!-- wp:paragraph --><\/p>\n<p>An entire week\u2019s worth of bargaining them down to an incredibly fair price, only to walk away when they didn\u2019t give him something he could have bought for less than 50 bucks at Target.<\/p>\n<p><!-- \/wp:paragraph --><!-- wp:paragraph --><\/p>\n<p>What\u2019s my point? Two things:<\/p>\n<p><!-- \/wp:paragraph --><!-- wp:list {\"ordered\":true} --><\/p>\n<ol>\n<li>My mom and dad are <u>incredibly Indian<\/u>.<\/li>\n<li>You have to be stubborn to be a good negotiator.<\/li>\n<\/ol>\n<p><!-- \/wp:list --><!-- wp:paragraph --><\/p>\n<p>I\u2019m a big believer that negotiations can open up HUGE savings for you.<\/p>\n<p><!-- \/wp:paragraph --><!-- wp:paragraph --><\/p>\n<p>That\u2019s why I want to give you something that\u2019ll help you save and <u>earn more money<\/u>\u00a0through negotiations and other proven systems: The Ultimate Guide to Personal Finance.<\/p>\n<p><!-- \/wp:paragraph --><!-- wp:paragraph --><\/p>\n<p>The money you save on lowering your car insurance is great, but it\u2019s small compared to everything you can save when you optimize your personal finances.<\/p>\n<p><!-- \/wp:paragraph --><!-- wp:paragraph --><\/p>\n<p>That\u2019s why I\u2019ve outlined my entire system in this no-BS guide on how to make your personal finances work for you.<\/p>\n<p><!-- \/wp:paragraph --><!-- wp:paragraph --><\/p>\n<p>And it\u2019s all for FREE.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ecb47e5 elementor-widget elementor-widget-qi_addons_for_elementor_blockquote\" data-id=\"ecb47e5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"qi_addons_for_elementor_blockquote.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"qodef-shortcode qodef-m qodef-qi-blockquote qodef-layout--top qodef--\">\n\t\t\t\t<h4 class=\"qodef-m-text\">\n\t\t\tIf you liked this post, you\u2019d LOVE my Ultimate Guide to Social Skills\n\t\t<\/h4>\n\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e864f26 elementor-widget elementor-widget-text-editor\" data-id=\"e864f26\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div 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class=\"wpforms-field wpforms-field-hidden\" data-field-type=\"hidden\" data-field-id=\"14\"><input type=\"hidden\" id=\"wpforms-53564-field_14\" name=\"wpforms[fields][14]\" value=\"{entry_page}\"><\/div><div id=\"wpforms-53564-field_20-container\" class=\"wpforms-field wpforms-field-html\" data-field-type=\"html\" data-field-id=\"20\"><div id=\"wpforms-53564-field_20\"><strong>If you like this post, you'd love my Ultimate Guide to Social Skills<\/strong><\/div><\/div><div id=\"wpforms-53564-field_21-container\" class=\"wpforms-field wpforms-field-html\" data-field-type=\"html\" data-field-id=\"21\"><div id=\"wpforms-53564-field_21\">It\u2019s one of the best things I\u2019ve published (and 100% free), just tell me where to send it:<\/div><\/div><div id=\"wpforms-53564-field_10-container\" class=\"wpforms-field wpforms-field-name\" data-field-type=\"name\" data-field-id=\"10\"><label class=\"wpforms-field-label wpforms-label-hide\" for=\"wpforms-53564-field_10\">First Name <span 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other exclusive content that's not on the blog.<\/div><\/div><\/div><!-- .wpforms-field-container --><div class=\"wpforms-submit-container\" ><input type=\"hidden\" name=\"wpforms[id]\" value=\"53564\"><input type=\"hidden\" name=\"page_title\" value=\"\"><input type=\"hidden\" name=\"page_url\" value=\"https:\/\/www.iwillteachyoutoberich.com\/wp-json\/wp\/v2\/posts\/58995\"><input type=\"hidden\" name=\"url_referer\" value=\"http:\/\/www.iwillteachyoutoberich.com\/tip-13-negotiate-your-car-insurance\/\"><button type=\"submit\" name=\"wpforms[submit]\" id=\"wpforms-submit-53564\" class=\"wpforms-submit\" data-alt-text=\"Sending...\" data-submit-text=\"Send me the guide!\" aria-live=\"assertive\" value=\"wpforms-submit\">Send me the guide!<\/button><\/div><\/form><\/div>  <!-- .wpforms-container --><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Car insurance rates are rising \u2014 by a lot. This line item in your budget can be imposing, especially when it feels like you don&#8217;t have any control over it. But what if I told you it was possible to regain control over this seemingly out of control expense? Learning how to lower car insurance [&hellip;]<\/p>\n","protected":false},"author":8,"featured_media":88904,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"content-type":"","om_disable_all_campaigns":false,"_lmt_disableupdate":"no","_lmt_disable":"","_uf_show_specific_survey":0,"_uf_disable_surveys":false,"footnotes":""},"categories":[160],"class_list":["post-58995","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-personal-finance"],"acf":[],"aioseo_notices":[],"modified_by":null,"_links":{"self":[{"href":"https:\/\/www.iwillteachyoutoberich.com\/wp-json\/wp\/v2\/posts\/58995","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.iwillteachyoutoberich.com\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.iwillteachyoutoberich.com\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.iwillteachyoutoberich.com\/wp-json\/wp\/v2\/users\/8"}],"replies":[{"embeddable":true,"href":"https:\/\/www.iwillteachyoutoberich.com\/wp-json\/wp\/v2\/comments?post=58995"}],"version-history":[{"count":0,"href":"https:\/\/www.iwillteachyoutoberich.com\/wp-json\/wp\/v2\/posts\/58995\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.iwillteachyoutoberich.com\/wp-json\/wp\/v2\/media\/88904"}],"wp:attachment":[{"href":"https:\/\/www.iwillteachyoutoberich.com\/wp-json\/wp\/v2\/media?parent=58995"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.iwillteachyoutoberich.com\/wp-json\/wp\/v2\/categories?post=58995"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}