I. My record:
1️⃣Geico: from 1355 to 1200 and then to 1100 (half insurance)
2️⃣Progressive: from 2090 to 1311
3️⃣My American friends also recommended some other insurances to me: elephant/esurance, but when I quoted online, I found that the price was more than 300 a month, which was so outrageous that I didn’t quote again
II. My background:
I live in Baltimore/I have had an American driver’s license for less than a year, no driving record or accident record/I am not yet 26 (this is why my half-year price is so expensive!)/I don’t have other insurances such as rent
III. Bargaining tips:
1️⃣Call several times. If the customer service says that they can’t give you a discount or the discount is very small, hang up and reconnect to the customer service until you connect to a nice person
2️⃣Highlight your high quality and income security. I emphasized to them that I am a researcher in the United States and have security in the university.
3️⃣Those with little driving experience should also explain their driving experience. 1) Emphasize your driving experience in China and good driving habits. I said that I have been driving in China for more than five years and have never had a ticket or accident. 2) Although I have no driving history in the United States, I often rent a car for road trips in the United States and have never had an accident or violated the rules. However, Geico’s customer service told me that they would not count foreign driving experience, so he finally told me that he could only help me reduce it to 1100.
4️⃣Take advantage of the relationship and emphasize your own wishes. I am talking about the insurance that my friend has always bought from you. I am now comparing your insurance with other insurance companies, but after listening to my friend’s recommendation, I prefer to buy from you. If you can give me a better price, I can pay it all at once today.
Fourth, add
🌟You can quote several times online before calling. Sometimes the price will be lower. Remember your reference number after quoting online, and you may provide it when calling.
🌟When you make a phone call, you can open by saying: I am interested in your insurance. I have already received a quote online, but I think real people are smarter than online judges, so I called to explain my specific situation and hope to get a good price.
