Can You Negotiate Car Insurance? 
If you are speaking of personal auto insurance coverage , then I would have to say the answer is no . I am not aware of any personal lines insurance carrier that is allowing their agents to negotiate price with their prospective clients . Commercial auto insurance coverage is another story . There is sometimes a small amount of wiggle room in the pricing , but not all the time . Most carriers do not want to be haggling with the prospective client over the cost of the coverage , so in many cases the agent is not able to get the premium altered from what is offered . 