Buy Cheap Fairfax Car Insurance

Having to pay for overpriced car insurance can take a big chunk out of your checking account and put a big crunch on your finances. Comparison shopping is a great way to lower your monthly bill. Drivers have multiple to pick from, and although it's nice to be able to choose, it can be more challenging to compare rates.

It's important to compare prices yearly due to the fact that insurance rates are constantly changing. Just because you found the best price last year there is a good chance you can find better rates now. Forget anything you know (or think you know) about car insurance because we're going to demonstrate how to use online quotes to eliminate unnecessary coverages and save money.

Choosing the best insurance company for you in Fairfax is not that difficult. If you have car insurance now, you will be able to lower your premiums substantially using these techniques. Iowa consumers only need to know how to find the lowest price over the internet.

Good Decisions Result in Lower Rates

Consumers need to have an understanding of the factors that help determine the rates you pay for car insurance. Knowing what impacts premium levels enables informed choices that may reward you with lower car insurance prices.

The following are a few of the "ingredients" car insurance companies consider when setting rates.

Where you reside plays a part - Residing in a rural area can be a good thing when talking about car insurance. Urban drivers regularly have much more traffic and longer commute times. Fewer people translates into fewer accidents.
Where do you drive? - Driving more miles in a year's time the more you will pay for car insurance. Most insurance companies charge to insure your cars based upon how you use the vehicle. Cars left parked in the garage qualify for better rates as compared to vehicles used primarily for driving to work. Make sure your car insurance coverage shows the proper vehicle usage.
Having a spouse can save you money - Having a spouse can get you a discount on car insurance. It means you're more responsible and statistics show married drivers get in fewer accidents.
Teen drivers pay high rates - Youthful drivers in Iowa are known to be more careless when driving so they pay higher car insurance rates. If you've ever had to add a youthful driver to your car insurance policy can break the bank. More mature drivers are viewed as being more responsible, tend to file fewer claims and tend to be better behind the wheel.
Bad driving skills means higher rates - Careful drivers get better rates compared to drivers with tickets. Even a single moving violation can boost insurance rates by as much as thirty percent. Drivers who have flagrant citations like reckless driving, hit and run or driving under the influence may need to file a proof of financial responsibility form (SR-22) to the state department of motor vehicles in order to keep their license.

Compare Car Insurance Today

There are multiple methods to compare car insurance quotes, but one way is more efficient than others. You can spend your afternoon talking to agents in Fairfax, or you could use the web to get prices fast.

Most of the larger companies enroll in a system that enables customers to enter their policy data once, and at least one company then returns a price quote for coverage. This prevents consumers from doing quote forms to each individual car insurance company.

To submit your quote information now, click here to open in new window.

One minor caviat to using this type of system is that you can't choose which providers you want to price. If you wish to select specific providers for rate comparison, we put together a list of companies who write car insurance in Iowa. Click to view list.

Whichever method you choose, make sure you use identical quote information on every quote. If you use mixed coverages then you won't be able to make a fair comparison in Fairfax.

Don't pay full price with these discounts

Companies offering auto insurance do not list all their discounts very clearly, so we took the time to find both the well known and also the lesser-known discounts you could be receiving. If you're not getting every credit you deserve, you are paying more than you should be.

Life Insurance Discount - Companies who offer life insurance give a discount if you purchase a life insurance policy as well.
Accident Waiver - Certain companies allow you one accident before hitting you with a surcharge as long as you don't have any claims prior to the accident.
College Student - Youth drivers who attend school more than 100 miles from home and do not have access to a covered vehicle may be able to be covered for less.
Good Student Discount - This discount can get you a discount of up to 25%. This discount can apply well after school through age 25.
Own a Home - Owning a house in Fairfax can save you money due to the fact that maintaining a home is proof that your finances are in order.
Sign Online - Certain companies may give you up to $50 for buying your policy over the internet.
Seat Belt Usage - Using a seat belt and requiring all passengers to wear their seat belts could save 15% on the medical payments or PIP coverage costs.

A little note about advertised discounts, some credits don't apply to your bottom line cost. Most only apply to specific coverage prices like collision or personal injury protection. So even though it sounds like it's possible to get free car insurance, you won't be that lucky.

To choose companies who offer car insurance discounts in Iowa, click here.

The car insurance bait and switch

Consumers in Iowa can't ignore all the ads for car insurance savings by GEICO, State Farm and Progressive. They all seem to have a common claim about savings after switching to their company.

How does each company claim to save you money? It's all in the numbers.

All companies have a preferred profile for the driver that makes them money. For example, a desirable insured might be over the age of 40, has no prior claims, and has great credit. Any driver that hits that "sweet spot" is entitled to the best price and therefore will save when switching.

Consumers who don't measure up to these standards will have to pay higher rates and this can result in the customer not buying. Company advertisements say "customers who switch" not "everyone that quotes" save that much. This is how companies can truthfully advertise the savings. Because of the profiling, you need to get as many quotes as possible. You cannot predict which insurance companies will give you the biggest savings.

Your personal situation dictates your coverage

When buying the right insurance coverage for your personal vehicles, there isn't really a perfect coverage plan. Every situation is different and your policy should reflect that. Here are some questions about coverages that can help discover whether or not you could use an agent's help.

When does my teenage driver need to be added to my policy?
What are the financial responsibility laws in Iowa?
I have good health insurance, so how much medical payments coverage do I need?
Why does it cost so much to insure a teen driver in Fairfax?
Why am I required to buy high-risk coverage?
Are rental cars covered under my policy?
When do I need to add a new car to my policy?

If you can't answer these questions but you know they apply to you, you may need to chat with a licensed insurance agent. To find an agent in your area, fill out this quick form or you can go here for a list of companies in your area. It is quick, free and you can get the answers you need.

Even more information can be found at the Iowa Insurance Division website. Visitors are able to view agent and company licensing information, file complaints about an insurance agent or broker, get help finding coverage, and read enforcement actions against agents and companies.

Other informative sites include Wikipedia and this page where you can research Fairfax insurance agents.

In the end, you save

As you prepare to switch companies, make sure you don't reduce coverage to reduce premium. In many instances, consumers will sacrifice physical damage coverage only to discover later that the small savings ended up costing them much more. The ultimate goal is to buy enough coverage at the best price.

The cheapest car insurance can be sourced both online and also from your neighborhood Fairfax agents, and you need to comparison shop both to get a complete price analysis. There are still a few companies who may not provide online price quotes and most of the time these regional insurance providers sell through independent agents.

We just presented a lot of ways to compare car insurance prices online. The most important thing to understand is the more rate quotes you have, the better your comparison will be. You may be surprised to find that the lowest premiums are with some of the smallest insurance companies. These smaller insurers may cover specific market segments cheaper as compared to the big name companies such as .