Top 6 Ways to Save Money on Car Insurance in Fairfield

Shopping for low-cost Fairfield car insurance online may be somewhat difficult for people who are new to online price comaprisons. With so many choices of companies competing online, how can you even start to compare them all to find the best available price?

Finding affordable coverage in Fairfield is easy if you know what you're doing. If you currently have a car insurance policy, you will be able to cut costs considerably using this information. Alabama vehicle owners just need to know the most efficient way to compare rates on the web.

Compare Car Insurance Today

Reducing your insurance rates is not a difficult process. Consumers just need to take time to get quotes online with multiple companies. This can be accomplished using a couple different methods.

  1. The fastest way consumers can analyze rates is a comparison rater form (click to open form in new window). This type of form saves time by eliminating separate quotes for each company you want a rate for. A single, simple form will get you price quotes instantly. Just one form and you're done.
  2. A different way to shop for car insurance online requires a visit to each individual company website to complete a price quote. For instance, we'll pretend you want comparison quotes from , and . To get each rate you have to go to every website to input your insurance information, which is why most consumers use the first method.

    For a list of links to companies insuring cars in Fairfield, click here.

However you get your quotes, make sure you use apples-to-apples coverage limits with each company. If you are comparing differing limits it will be next to impossible to make an equal comparison in Fairfield.

Policy discounts you shouldn't miss

Companies offering auto insurance don't list all available discounts very well, so we researched some of the more common and the more hidden discounts you could be receiving. If you don't get every credit you deserve, you are paying more than you should be.

  • Multiple Cars - Buying insurance for all your vehicles with the same company could earn a price break for each car.
  • Life Insurance Discount - Select insurance companies reward you with a break if you buy life insurance.
  • Safety Course Discount - Successfully completing a driver safety course could cut 5% off your bill if your company offers it.
  • Discount for Swiching Early - A few companies offer discounts for switching to them prior to your current policy expiration. The savings is around 10%.
  • Auto/Home Discount - If you insure your home and vehicles with one company you could get a discount of at least 10% off all policies.
  • Government Employees - Employees or retirees of the government could cut as much as 10% off depending on your company.

Consumers should know that some of the credits will not apply to your bottom line cost. The majority will only reduce the cost of specific coverages such as physical damage coverage or medical payments. So even though they make it sound like adding up those discounts means a free policy, companies don't profit that way.

To choose insurers with discount car insurance rates in Alabama, click here.

Save $429 a year? Really?

Consumers can't ignore all the ads for car insurance savings from companies such as Allstate, GEICO and Progressive. All the companies have a common claim that you'll save big if you change your policy.

But how can every company make the same claim?

Insurance companies have a preferred profile for the right customer that makes them money. For instance, a profitable customer could be between the ages of 30 and 50, has no prior claims, and drives less than 7,500 miles a year. Any new insured that hits that "sweet spot" gets the lowest rates and is almost guaranteed to save a lot of money.

Potential insureds who don't qualify for this ideal profile must pay more money and this can result in business going elsewhere. Company advertisements say "people who switch" but not "drivers who get quotes" save that kind of money. This is how companies can advertise the way they do. This illustrates why you need to get a wide range of price quotes. It's just too difficult to predict which insurance companies will provide you with the cheapest rates.

Insurance agents can help

When buying the best car insurance coverage for your personal vehicles, there really is no "perfect" insurance plan. Each situation is unique.

For example, these questions can help discover whether your personal situation might need an agent's assistance.

  • Am I covered when driving on a suspended license?
  • What happens if I owe more than my vehicle is worth?
  • Should I have combined single limit or split liability limits?
  • Does my car insurance cover rental cars?
  • Am I covered when driving in Canada or Mexico?
  • Am I covered if I drive in a foreign country?
  • Should I buy only the required Alabama minimum liability coverage?

If you can't answer these questions but a few of them apply then you might want to talk to a licensed agent. To find an agent in your area, take a second and complete this form. It is quick, free and can provide invaluable advice.

More detailed Alabama car insurance information is located at the Alabama Department of Insurance website. Consumers can report car insurance fraud, file complaints about an insurance agent or broker, and discover disciplinary actions.

Other informative sites include this page for Alabama car insurance and this page for help finding agents in Fairfield, AL.

Alabama car insurance quotes

In the end, you save

Discount car insurance is attainable from both online companies in addition to many Fairfield insurance agents, and you should compare price quotes from both to have the best chance of lowering rates. Some car insurance companies do not provide online price quotes and usually these small, regional companies provide coverage only through local independent agents.

When shopping online for car insurance, don't be tempted to reduce coverage to reduce premium. In too many instances, consumers will sacrifice liability coverage limits only to discover later that a couple dollars of savings turned into a financial nightmare. Your focus should be to buy the best coverage you can find at an affordable rate while not skimping on critical coverages.

You just learned a lot of techniques to compare car insurance prices online. It's most important to understand that the more rate comparisons you have, the better chance you'll have of finding lower rates. You may even discover the lowest rates come from a company that doesn't do a lot of advertising.