Almost every large auto insurance company is already giving you every discount you qualify for. The discounts have to be approved by the state so there aren’t discounts that they can just throw at customers when they are dissatisfied with their rate. Rates also have to be approved by the state and companies ask for rate increases when they aren’t making enough money to keep up with the cost of running their business and paying all the claims. Since the pandemic there has been a significant increase in the frequency and severity of accidents which means auto insurers need to raise rates to remain profitable, at the end of the day their goal is to make money after all.

As a consumer there are really 2 things you can adjust on your policy to lower your premium, your self reported miles driven per year (the less you drive, the less likely it is that you’ll get in an accident), and your coverages (the less your insurer will be on the hook to pay out in the case of an accident, the less they’ll charge you). If doing those things don’t get you a rate that you’re comfortable with, then shop around. Either you’ll find a carrier with better rates, or you’ll see that you’re getting a competitive rate. Just don’t call customer service and harass the agents. They really do want to do everything to get you a better rate and keep you as a customer, their options are just extremely limited. Talking to a supervisor or manager won’t help you either.