Fairfield Auto Insurance For Less Than You're Paying Now

Are you intimidated by the dozens of auto insurance options in Fairfield? You're not alone. Consumers have so many options that it can turn into a ton of work to find the perfect company for you.

It's important to compare rates every six months because insurance rates are constantly changing. Even if you got the lowest price six months ago you may be paying too much now. Block out anything you think you know about auto insurance because I'm going to let you in on the secrets to the tricks you need to know to find the best coverage while lowering your premiums.

If you have a current auto insurance policy or are looking for a new policy, you can use these techniques to find better prices and possibly find even better coverage. Shopping for affordable protection in Fairfield is easy if you know what you're doing. Illinois vehicle owners just need to know the tricks to compare rates over the internet.

How to Compare Auto Insurance Quotes in Fairfield, Illinois

Getting better auto insurance pricing can be relatively painless. Consumers just need to spend a few minutes on the computer comparing price quotes provided by online insurance companies. This is very easy and can be done using a couple different methods.

The first (and easiest) way to find the lowest comparison rates is a comparison rater form click here to open form in new window. This method keeps you from doing boring form submissions for each company. Filling out one form gets rate comparisons from all major companies. This is perfect if you don't have a lot of time.

A less efficient way to shop for auto insurance online is spending the time to visit each company's website and complete a new quote form. For instance, let's say you want to compare rates from , and . You would have to go to every website and enter your policy data, and that's why the first method is more popular.

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

Whichever way you use, ensure you are comparing the exact same information on every quote. If you are comparing higher or lower deductibles it will be very difficult to make a fair comparison in Fairfield.

You have some control over your rates

It's important that you understand some of the elements that help determine the price you pay for auto insurance. Understanding what controls the rates you pay enables informed choices that may reward you with better auto insurance rates.

Older drivers save more - Older insureds are viewed as being more responsible, tend to cause fewer accidents and are safer drivers. Teen drivers are known to be careless and easily distracted when behind the wheel therefore auto insurance rates are much higher.
Do you know your deductibles? - Physical damage insurance, otherwise known as comp (or other than collision) and collision, is used to repair damage to your car. Some instances where coverage would apply could be running into the backend of another car, collision with an animal, or theft. Your deductibles are how much you are required to spend before a claim is paid by your company. The more you are required to pay out-of-pocket, the less your auto insurance will be.
Lower miles equals lower premium - Driving more miles in a year the more you will pay for auto insurance. Most insurance companies apply a rate based on how the vehicle is used. Vehicles that are left in the garage receive lower rates compared to those used for work or business. Verify your auto insurance coverage is showing the proper vehicle usage, because improper ratings can cost you money.
Don't sacrifice liability coverage - Liability coverage provides coverage if ever a court rules you are at fault for causing damage or personal injury in an accident. It provides legal defense up to the limits shown on your policy. This coverage is very inexpensive when compared with rates for comp and collision, so buy as much as you can afford.
Don't buy coverages you don't need - There are a ton of extra coverages that you can buy on your auto insurance policy. Coverages like vanishing deductibles, towing coverage and term life insurance are examples of these. They may seem like a good idea when talking to your agent, but if they're wasting money get rid of them and save.
Your location affects your rates - Choosing to live in a small town can be a good thing when insuring your vehicles. Lower population translates into fewer accidents as well as less vandalism and auto theft. Drivers in populated Illinois areas regularly have much more traffic to deal with and much longer commute distances. Higher commute times means higher likelihood of an accident.

Policy discounts you shouldn't miss

Car insurance companies don't always list all their discounts in an easy-to-find place, so we researched both well-publicized and the harder-to-find auto insurance savings. If they aren't giving you every credit possible, you're just leaving money on the table.

Save over 55 - Older drivers may be able to get better auto insurance rates.
Multiple Vehicles - Buying insurance for multiple vehicles on one policy qualifies for this discount.
Discount for Life Insurance - Select insurance companies reward you with lower rates if you buy life insurance from them.
Club Memberships - Participating in certain professional organizations could qualify you for a break on auto insurance.
Driver Safety - Taking a course in driver safety could possibly earn you a 5% discount depending on where you live.
Bundle and Save - When you have multiple policies with one company you may save 10% to 20% off each policy.
Discount for Good Grades - Getting good grades can save 20 to 25%. Earning this discount can benefit you well after school through age 25.
Passive Restraints and Air Bags - Factory air bags and/or automatic seat belt systems can get savings of more than 20%.
Federal Government Employee - Simply working for the federal government can earn a discount up to 10% with select insurance companies.
Anti-lock Brake Discount - Vehicles with anti-lock braking systems can reduce accidents and will save you 10% or more.

Drivers should understand that most of the big mark downs will not be given to all coverage premiums. The majority will only reduce the price of certain insurance coverages like liability, collision or medical payments. So even though they make it sound like you could get a free auto insurance policy, companies wouldn't make money that way.

For a list of companies who offer auto insurance discounts in Fairfield, follow this link.

More detailed Illinois auto insurance information is located at the Illinois Department of Insurance website. Illinois consumers can read enforcement actions against agents and companies, report car insurance fraud, and file complaints about an insurance agent or broker.

In the end, you save

As you restructure your insurance plan, never reduce needed coverages to save money. There are many occasions where someone sacrificed liability coverage limits only to discover later that they should have had better coverage. Your aim should be to buy the best coverage you can find for the lowest price.

Budget-conscious auto insurance can be purchased online and also from your neighborhood Fairfield agents, and you should be comparing both to get a complete price analysis. Some insurance companies may not provide online quoting and most of the time these small, regional companies sell through independent agents.

In this article, we presented many ways to lower your auto insurance rates. The most important thing to understand is the more times you quote, the better chance you'll have of finding lower rates. You may even find the biggest savings come from a smaller regional carrier.