This is something I hear on a very regular basis. Yes, I try to lower said rate whenever I am introduced and asked to help this situation. But what can I do? I can;
- Get proposals from 12 different companies
- review the coverage and make some suggestions
- advise you to take a defensive driving coverage
- give some ideas about how/when to pay to save money
- review your discounts
- help you make a plan
So that is five things I can do. Now what can you do;
- get proposals from the other twenty or so companies you can
- Actually make some changes on your coverage
- TAKE the defensive driving course http://www.newyorksafetycouncil.com/default.aspx?
- Consider not getting a monthly bill, pay in full to save more
- Actually go through everything
- Be patient, your ticket or accident is with you for three years
- Consider an older vehicle not a brand new one
- Ask yourself if you are ok with a small dent in a safe car
- Ask yourself how much work you can do around your home
- start looking at this as a vital piece of your financial plan
- review annually
- Forget your loyalty to a company, loyalty needs to go both ways
Way more you can do than I can do.
Just some suggestions, thanks for reading