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Lower your car or home insurance bill

Insurance prices vary from company to company. Ask your insurer for a discount review, and compare at least three quotes. You make the call; we never call for you.

Key facts

Get at least three price quotes. Prices vary from company to company, and a company with fewer discounts can still be cheaper. (Triple-I: Nine ways to lower your auto insurance costs)
Raising your deductible from $200 to $500 could cut collision and comprehensive cost by 15 to 30%; $1,000 can save 40% or more. Keep enough cash to pay it. (Triple-I: Nine ways to lower your auto insurance costs)
If your car is worth less than 10 times what you pay for collision and comprehensive, that coverage may not be worth it. (Triple-I: Nine ways to lower your auto insurance costs)
Problem with an insurer? Your state insurance department takes complaints. In Tennessee, that's the Department of Commerce & Insurance. (NAIC: find your state insurance department)

Before you call

Your declarations page: coverages, limits, deductibles, and the premium for 6 or 12 months.
Each driver and car, and about how many miles you drive a year.
Discounts to ask about: home and car together, low mileage, safe driving, defensive driving course, good student.
Two or three quotes with the same limits and deductibles.
Your renewal date. Call a few weeks before it.
Your walk-away price: the most you will pay before you switch.

Call script

Open the callHi, my name is [your name], policy [policy number]. I'm reviewing my policy before renewal. Can you do a discount review and find me a lower price?

The rest of this call script, the retention talking points and a fill-in written request is part of VaultRubric Pro. Cancel anytime before day 8 and you pay nothing.

Unlock with Pro, 7 days free, then $7/mo Member sign in

7 days free, then $7/mo or $59/yr. Card required, $0 today. First charge on day 8. Cancel anytime before then: sign in, open your dashboard and click “Manage billing or cancel”.

What you save

Other bills

Sources

Triple-I: Nine ways to lower your auto insurance costs (checked October 20, 2026)
NAIC: find your state insurance department (checked October 20, 2026)
Tennessee Dept. of Commerce & Insurance: Insurance Division (checked October 20, 2026)

Next step: gather the checklist above, then call. Afterward, enter your new price in the calculator. Back to the bill negotiation kit.

We don't call, cancel or send anything for you. You make the calls and send the requests. General information, not legal advice. No company pays to be on this page.

FAQ

What should I have ready before I call about my car or home insurance bill?

Your declarations page: coverages, limits, deductibles, and the premium for 6 or 12 months. Two or three quotes with the same limits and deductibles.

How do I work out what I saved?

Bill now minus the new price, per month, times the months the new price lasts (up to 12 for the first year), minus one-time fees. Example: $900 − $780 = $120 per 6-month bill, × 12 ÷ 6 = $240.

Estimates, not financial advice. Taxes, insurance, PMI and fees vary by lender, county and city; confirm with your lender, dealer and state agency before acting.