Haggling??

Squirm

My car insurance was up for renewel recently and my partner did the haggling. He got the price down a good but, but both he and the sales assistant over the phone, were pretty obnoxious towards each other.

Was just wondering how many people here haggle over their car insurance?
Do you play hard ball?
And what else do you haggle over?

I wouldn't have had the balls to negotiate the premium like he did, but he reckons everyone does it and they expect it... What ya reckon?

OutlawPete

Squirm wrote: »

I wouldn't have had the balls to negotiate the premium like he did, but he reckons everyone does it and they expect it... What ya reckon?

I don't do it with new items but if I was buying an expensive phone recently in one of those used phone places in town and got €20 off, but that was just because I knew what it was worth and that they were trying to rip me off.

Seen them buying an iPhone 4 off a guy that day and they only gave him €70, so those places you have to haggle.

Most staff in electronic stores have a few percentage prices to play with also, especially if you're buying loads.

Oranage2

Squirm wrote: »

My car insurance was up for renewel recently and my partner did the haggling. He got the price down a good but, but both he and the sales assistant over the phone, were pretty obnoxious towards each other.

Was just wondering how many people here haggle over their car insurance?
Do you play hard ball?
And what else do you haggle over?

I wouldn't have had the balls to negotiate the premium like he did, but he reckons everyone does it and they expect it... What ya reckon?

Tried to haggle it went like this

me: how much

insurance: €1100

Me: blah said it was only €1000

insurance: nope €1100 is the best we can do

Me: ok i'll take it :mad:

andyseadog

don't haggle with one company, just play one off the other.

"oh hello quinn direct, 1500 you say? well axa said they would do it for 950, can you match that or will i have to go elsewhere?"

KeithM89_old

Reminds me of a joke:
A man is walking down the street , when he sees a woman with perfect breasts. He says to her, 'would ya let me bite your breasts for 100 quid?'
She replies no and keeps walking.
1000 quid? he asks again. Listen you,im not that kind of woman!
Ok, ok 10,000 quid??
She thinks about it for a while and says ok.

So they go into an alley, she takes her top off, and as soon as he sees them, he grabs them,starts kissing them, licking them - but not biting them.
The woman finally gets annoyed and asks, Well? Are you gonna bite them or not?

Nah, says the man, it costs too much.
---

So ehh, what was the question??:p

Oranage2

KeithM89 wrote: »

Reminds me of a joke:
A man is walking down the street , when he sees a woman with perfect breasts. He says to her, 'would ya let me bite your breasts for 100 quid?'
She replies no and keeps walking.
1000 quid? he asks again. Listen you,im not that kind of woman!
Ok, ok 10,000 quid??
She thinks about it for a while and says ok.

So they go into an alley, she takes her top off, and as soon as he sees them, he grabs them,starts kissing them, licking them - but not biting them.
The woman finally gets annoyed and asks, Well? Are you gonna bite them or not?

Nah, says the man, it costs too much.
---

So ehh, what was the question??:p

Well are you going to tell us the joke or not?

KeithM89_old

Oranage2 wrote: »

Well are you going to tell us the joke or not?

Depends, how much you offering??

Princess Consuela Bananahammock

KeithM89 wrote: »

Reminds me of a joke:
A man is walking down the street , when he sees a woman with perfect breasts. He says to her, 'would ya let me bite your breasts for 100 quid?'
She replies no and keeps walking.
1000 quid? he asks again. Listen you,im not that kind of woman!
Ok, ok 10,000 quid??
She thinks about it for a while and says ok.

So they go into an alley, she takes her top off, and as soon as he sees them, he grabs them,starts kissing them, licking them - but not biting them.
The woman finally gets annoyed and asks, Well? Are you gonna bite them or not?

Nah, says the man, it costs too much.
---

So ehh, what was the question??:p

Man: Will you sleep with me for 10,000 euro?
Woman: Sure!
Man: Will you sleep with me for 5 euro?
Woman: What?? What kind of woman do you think I am?
Man: We've estbalished that. Now all we have to do is negotiate a price.

Squirm

Oranage2 wrote: »

Tried to haggle it went like this

me: how much

insurance: €1100

Me: blah said it was only €1000

insurance: nope €1100 is the best we can do

Me: ok i'll take it :mad:

Ha ha ha ha!! Good to see I'm not the only one then.

Boyfriend: How much?
Axa: E1200
Boyfriend: I'll pay half that.
Axa: Piss off.
Boyfriend: I have 10+ years no claims bonus as a named driver and on a company policy. I also have family members with car and house insurance policies with yourselves. Lower my premiums or they will change provider. Is my call being recorded? I want it recorded and I want it on the record that when you lose five insurance policies of significant value to you, it is because you offered me a bullsh*t premium and wouldn't come down on price...
Axa: E680 please.
Boyfriend: Ok.

Now, a year later, it's E590.

I just got my full license, so que another abusive dialogue.

foxinsox

KeithM89 wrote: »

Depends, how much you offering??

5 dollah?

me love you long time!

brianthebard

Squirm wrote: »

I wouldn't have had the balls to negotiate the premium like he did, but he reckons everyone does it and they expect it... What ya reckon?

Its not expected that you be a prick but haggling is sort of expected. Not everyone in the office can lower a price though which makes you an even bigger prick if you try to rough house (metaphorically speaking) the person you're dealing with and they don't have the power to change something even if they wanted to.

Oranage2

Squirm wrote: »

Ha ha ha ha!! Good to see I'm not the only one then.

Boyfriend: How much?
Axa: E1200
Boyfriend: I'll pay half that.
Axa: Piss off.
Boyfriend: I have 10+ years no claims bonus as a named driver and on a company policy. I also have family members with car and house insurance policies with yourselves. Lower my premiums or they will change provider. Is my call being recorded? I want it recorded and I want it on the record that when you lose five insurance policies of significant value to you, it is because you offered me a bullsh*t premium and wouldn't come down on price...
Axa: E680 please.
Boyfriend: Ok.

Now, a year later, it's E590.

I just got my full license, so que another abusive dialogue.

Lol thats pretty good though you got them to half.


my first time buying insurance went like this:


AXa: €1800
Me: quinn is only €1300
AXA: OK, €1600
Me: no thanks

foxinsox

One should always haggle!

Except for your food shopping, that's a bit too much.

I've worked in sales for years and have learnt all the best haggling techniques from former customers!

I would always ask for a discount or try and haggle a better price..
Usually it works


From a sales point of view:

If a customer acts like they are entitled to a reduced price -
they never get a discount

If a customer gets smarty pants or pricky with me -
they never get a discount

If a customer is genuinely nice and asks politely -
they usually get a discount

If the customer offers "cash money price boss?" -
they usually get a discount for chancing their arm

If a customer is buying a fair few items -
they usually get a discount for quantity


There is always something that can be marked off the price, but don't take it out on the sales person if they say they can't, ask the manager.

Happy Haggling

3hn2givr7mx1sc

I knew of one fella that was from 'around' that went into a shop and brought a shirt up to the counter that cost €50. Shop assistant put it through the till, put in in a bag etc. and said "€50 please". Yer man spat on hand and made a gesture to shake hands and said "€20 and we have a deal".:pac:

Sarn

It depends on what I'm buying. I've done it a few times, got discounts off a new tv, DVR and my car. I shop around for car insurance until I get the best offer but haven't bothered haggling (€265, fully comp this year).

3hn2givr7mx1sc

I'm shít at haggling unless I'm drunk, btw. Then I'm a cúnt to haggle.

Buceph

The best stuff to haggle on is anything with a bit of superficial damage.

My auld fella got a pair of €100 really cheap. They were reduced to €50 because they were on display in the shop window, one was in direct sunlight and a little lighter than the other. He got them from the reduced €50 down to €10. He put the darker shoe on our windowsill for a month. Shoes are perfect now.

LETHAL LADY

Buceph wrote: »

The best stuff to haggle on is anything with a bit of superficial damage.

My auld fella got a pair of €100 really cheap. They were reduced to €50 because they were on display in the shop window, one was in direct sunlight and a little lighter than the other. He got them from the reduced €50 down to €10. He put the darker shoe on our windowsill for a month. Shoes are perfect now.

I like your auld fellas thinking.

Officer Giggles

always haggle with insurance companies they just make up the quotes, tell them someone else is doing it for a few quid cheaper and like magic they can suddenly reduce their quote, also if buying in a bricks and mortar shop always ask them whats their best CASH price, that is if you have the cash, you would be suprised how many places will give you a few quid off the more expensive items

Skuxx

Managed to get over €600 off my insurance by playing2 companies off eachother!!

Broker: That's working out about €2600 for the year!!
Me: Are you mad, Quinn are doing it for 2k even
Broker: Have you a reference for that quote?
Me: Gives reference
Broker: That's perfect sir, we'll do that for €1950 for you!

Captain_Generic

Officer Giggles wrote: »

also if buying in a bricks and mortar shop always ask them whats their best CASH price, that is if you have the cash, you would be suprised how many places will give you a few quid off the more expensive items

I always found bricks and mortar to have a fairly standard price

mlumley

Squirm wrote: »

My car insurance was up for renewel recently and my partner did the haggling. He got the price down a good but, but both he and the sales assistant over the phone, were pretty obnoxious towards each other.

Was just wondering how many people here haggle over their car insurance?
Do you play hard ball?
And what else do you haggle over?

I wouldn't have had the balls to negotiate the premium like he did, but he reckons everyone does it and they expect it... What ya reckon?

motorbike insurance due next week. got a call from broker and asked if i was happy with it. I asked what was my quote last year, he asked me to hold, and a short while later told me last yeas premiam. Asked how can they ask for so much more, he put me on hold and came back with a price a lot lower without negotiating. Haggle girl, they add things on you dont wantand even things you cant claim for. Just ask for a basic premium figure with no add ons.

LighterGuy

I always thought that only in certain situations something could be haggled. But my older bro showed me a few years ago near enough everything can be (for the record im 26 :P )

You cant haggle your grocery bill. But you can haggle anything that costs a pretty penny. For example, older bro haggled down a pc in Harvey Norman years ago. Even got an 8gb usb stick thrown in too. So remember that the asking price isnt always what has to be paid.

HOWEVER! :mad:
go take a look at www.adverts.ie that site is terrible! (not the site, but a certain percentage of its users)
There is haggling and then trying to get into someone / rip them off. Seriously, go look at it. You can sell something for 200 euro (a fair price) and get people saying "i'll give you 90 euro" :rolleyes:

Chuck Stone

First experience of buying a car.

Me: 'How much are those'? (Japanese Honda)
Salesman: 6,900.
Me: What? Sure the Irish version is only 6,500 out in XXX's
Salesman: Go'on away out to XXX's so.



XXX's place.
Me: How much for the Honda?
Salesman: this much
Me: Any movement on the price?
Salesman: No, and they're actually going up in price soon.

angryface.jpeg

:mad:

None of these people would last a week in a genuinely competitive marketplace.

Dempsey

I was with AXA for the first 2 years of being on the road, Quinn wouldnt quote me and everyone else was worse or very limited in their offerings and higher. AXA only took me because my father is on their books and I used him to haggle a fair deal tbh

I was paying ~€1700 for the first year and ~€1500 for the 2nd then I got my full licence, they were offering €900 based on that. I shopped around and No Nonsense quoted me €700. I rang back AXA and told them that I had a better offer (didnt tell them the price) and they didnt even bother to fight for my business.

Happy No nonsense customer now and they even gave me a rebate because they said that the years on my no claims bonus is different to what AXA work it out. I was working so I didnt question it too much but they put back €90 on my credit card.

~€300 in the difference by just doing abit of shopping around and yes I got all of the additional cover that axa was offering. Think of the work you have to do for €300 and then the likes of AXA thinking that I would stick with them no questions asked.

Definitely shop around and haggle if you have to. Dont make it easy for them even if you have to be bit of a prick because its your hard earned money and they are quoting off the back of some bull**** statistical risk analysis that makes them a healthy profit year in/year out.

gbee

Had the occasion to pass through part of town today, to my amazement in just tow blocks we counted more that 12 abandoned stores.

I'm left with the feeling that haggling does not work.

LETHAL LADY

"http://www.youtube.com/embed/3n3LL338aGA"

This is how you do it.

mahamageehad

My first years car insurance (17 years old, provisional, Hibernia) was €1200.

My second years car insurance (full license, 1yrs no claim, hibernia) was €900.

based on this jump I was expecting my third year to be about 700ish. The cúnts sent me a quote for €1440!!!
So being the nice person that I am I rang them, gave them the policy number and said that they had sent me the wrong quote. However the girl insisted it was right! Even tho I now had 2 years no claim, and a full license it was more expensive than the first year!!! o.O
Got it from quinn in the end for €550! Pays to shop around. Called hibernia back with my quinn quote, they basically didn't even try! And people wonder why businesses go out of business!! :rolleyes:

In PC world I managed to get a free printer, p2 lots of paper, a mouse and mouse pad and a legal copy of microsoft word with my laptop!!! (mac) Just via haggling- those people are on sales commission, i kept threathning to go elsewhere i kept dropping. My bf was shocked and impressed! :P

jester77

Public transport ftw. No worrying about car tax, insurance, petrol prices, maintenance, finding somewhere to park, obnoxious drivers, obnoxious pedestrians and so on

funk-you

jester77 wrote: »

Public transport ftw. No worrying about car tax, insurance, petrol prices, maintenance, finding somewhere to park, obnoxious drivers, obnoxious pedestrians and so on

True but you have to sit with where poor people have recently urinated.

-Funk

EverEvolving

I haggle where and when I can, if you don't try you don't get. All they can say is no. Obviously I dont stand arguing with the self service till in Tesco but you get the drift!

Got this years car insurance down from 650 to 360 just by shopping around and quoting one off another.

Get retention deals all the time from my service companies by threatening to cancel/go to another company.

Rent reduced by saying we would move (we were prepared to but I knew it wouldn't come to that!)

Spent a few years working for a service provider company so learned all the tricks of the trade and what works to get a reduced price.

upandcumming

funk-you wrote: »

True but you have to sit with where poor people have recently urinated.

-Funk

Only for ya, I wouldn't know who posted that!

funk-you

upandcumming wrote: »

Only for ya, I wouldn't know who posted that!

You're welcome.

-Funk

Dempsey

EverEvolving wrote: »

I haggle where and when I can, if you don't try you don't get. All they can say is no. Obviously I dont stand arguing with the self service till in Tesco but you get the drift!

Got this years car insurance down from 650 to 360 just by shopping around and quoting one off another.

Get retention deals all the time from my service companies by threatening to cancel/go to another company.

Rent reduced by saying we would move (we were prepared to but I knew it wouldn't come to that!)

Spent a few years working for a service provider company so learned all the tricks of the trade and what works to get a reduced price.

Do enlighten us!

EverEvolving

Dempsey wrote: »

Do enlighten us!

Basically, when you are finished a contract you are not obliged to stay with a provider, but it is cheaper for them to retain a current customer at a reduced price than gain a new customer. Therefore, if you call to cancel they will do their best to retain you - at a reduced price.

Try ringing up and saying that you got a better offer from another provider/cash is tight at the moment/you don't feel you are getting value for money etc and watch them transfer you to a different department or offer you a better deal.

Just be careful you don't get a lazy ass agent or you may end up getting cancelled, but you can always change your mind last minute. Just remember to always be nice. Assholes get nowhere except a cruel cut off and weeks of trying to get reconnected (so I've heard anyway :pac: )

Mike 1972

jester77 wrote: »

Public transport ftw. No worrying about car tax, insurance, petrol prices, maintenance, finding somewhere to park, obnoxious drivers, obnoxious pedestrians and so on

Do you haggle over the fare ?

jester77

Mike 1972 wrote: »

Do you haggle over the fare ?

No need to, work pays my monthly ticket, which covers all the buses and metros within the city

mfceiling

EverEvolving wrote: »

I haggle where and when I can, if you don't try you don't get. All they can say is no. Obviously I dont stand arguing with the self service till in Tesco but you get the drift!

Got this years car insurance down from 650 to 360 just by shopping around and quoting one off another.

Get retention deals all the time from my service companies by threatening to cancel/go to another company.

Rent reduced by saying we would move (we were prepared to but I knew it wouldn't come to that!)

Spent a few years working for a service provider company so learned all the tricks of the trade and what works to get a reduced price.

I did..........it wouldn't budge on a grocery discount so i put the 3 most expensive items straight into my bag without scanning them just to teach it a lesson.......me 1 - tesco 0

I haggle by saying "I got cheaper elsewhere, can you match it"
usually they beat the quote

I changed car recently and they quoted 100 extra for the premium for the new one which I thought was ok, then when I rang to actually switch "no sorry that was a mistake it's more like 300-700+"
I was like guys you quoted me 100 on monday and I have the car bought now:mad:
bit of back and forth and "I'm sorry we'll have to call you back tomorrow"

Anyway I got the 100 ( it shouldnt really have been that cheap though and it was for this year only, I'll have fun paying next year)

I saw my grandmother haggling with a door to door fella the other week, she was priceless did a good job

Have to haggle every single day for nearly everything I buy... Got a pair of shoes from 81 dollars down to 12 dollars last week.