How to Negotiate with Auto Insurance Cos. for a Discount and Get Results Lower rates Reputable providers Powered by Jan 27, 2021 Many sources will tell you that you cannot negotiate for a discount on your auto insurance rates. Your insurance company wants you to think that you cannot negotiate for a discount on your auto insurance rates. But that is not true. You can — you just need to know-how. What We'll Cover While the party line from insurance companies is that they do not negotiate their rates, it can be done with a bit of perseverance. This article will provide you with the information and tips you need to negotiate with an auto insurance provider.