What is “Quote Massaging?”

Quote massaging is a system used in the UK whereby anyone who is seeking to reduce car insurance rates can change one’s job description in order to reduce the cost of insurance.

While this system is not available in the US, it is widely used among the top five UK insurance comparison sites online. Among the sites where you can apply for insurance using quote massaging are: confused.com, uswitch.com, Admiral Insurance, Association of British Insurers, and moneysupermarket.com.

How does quote massaging work? One example cited is this: Let’s assume you are a lawyer. By changing the job description to a solicitor, you may enjoy substantial savings on your car insurance. And if you are a writer, changing the description to journalist may yield savings as well.

What do job descriptions have to do with receiving cheaper rates on car insurance? On the aforementioned comparison websites, entering a job description is a requirement (along with other pertinent information). Once the information has been entered, you are then given insurance quotes.

Thus, experimenting with different types of job descriptions can reduce the cost of car insurance. However, it should be noted that the job descriptions used should be accurate and one should not engage in false claims.

An example given was the case of a man who attempted to obtain cheaper insurance by changing his job description sixty times. While this is an extreme case, it nonetheless reflects how the system of quote massaging can be misused and abused.

Given the popularity of quote massaging in the UK, one would be curious to know how this same system could be used in the US. For example, years ago, men who worked for the Sanitation Department were known as “garbage men.” Today, however, their job description could accurately be called “sanitation engineers.”

If you are looking to reduce the premiums on your car insurance, it may be worth your while to check out these comparison sites and try out different but related job descriptions to determine just how much you can save.