The Car Insurance Discount Phone Script (that terrifies your insurance agent)
The Car Insurance Discount Phone Script (that terrifies your insurance agent) |  |
| The Car Insurance Discount Phone Script (that terrifies your insurance agent) Posted: 02 Feb 2011 04:00 AM PST
This may come as a shock, but most insurance company representatives are not prepared to list out each and every possible discount you could ask for on your car insurance? Wouldn’t it be great if you knew all the possible car insurance discounts that companies usually offer? …and, and, what if you had a script written out for you that you could use on the phone while talking to your current or prospective car insurance company? Look no further!
 Photo: Madaroni Talking – or negotiating – with your auto insurance agent to get a lower rate can be an overwhelming task. In fact, many people find one rate and stick with it because they don't want to go through the hassle of negotiating. The truth is, even getting the smallest discounts on your auto insurance can really add up and help you save quite a bit of money in the long run. The script below can be used as a resource to help you get the lowest rate when talking with your auto insurance company. Step 1 (before you call):
Step 2 (during the call):
o How much can I save if I insure my house and car with you? o Do you give a renewal discount for repeat customers? o Do you offer a discount to long-term members? o Can I save money by paying the entire policy up front or in chunks, instead of month-by-month?
o Other companies have offered me discounts for safety features like anti-lock brakes, an anti-theft system, etc. Can you offer the same? o Do you offer low mileage discounts? o If I take a defensive driving course, can I get a discount? If so, what type of class should I take? o My employer is "X." Do you offer any corporate rates? o Do you give discounts through any professional or retail memberships? (Example: AAA, AARP, Costco, etc.) Step 3: After you get an offer, ask them to modify it one more time. Sometimes, insurance companies can throw in just a few extra discounts – so what's the harm in asking one more time? After the agent gives you a rate that you're comfortable with, pause, then say, "This sounds great, I'm very interested – but are there any other discounts you can give me before I decide to sign on?" At that point, it's likely they'll know they're dealing with someone who knows how to negotiate, but that's okay. The worst case is that they can't offer anything else. Best case, they'll come back with another offer, at which point you can say, "That sounds great! Thanks for your help." So, my friends – keep this phone script handy for the next time you talk with an auto insurance agent. It's a great guideline that can save you time and money in the long run. About the Author: Pam King writes on frugality, safety and insurance literacy for Direct General, a low cost and customized car insurance rate provider. When not saving money on her insurance, Pam enjoys knitting, NASCAR, family and watching rollerderby! |
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