Fairfield Car Insurance For Less Than You're Paying Now

If online car insurance comparisons are new to you, it's easy to be confused by the hoards of car insurance companies competing for business in Fairfield.

Finding affordable coverage in Fairfield is quite easy. If you are paying for car insurance now, you will be able to reduce your rates substantially using this information. Nevertheless, Virginia consumers do need to know the way companies price insurance differently.

You have some control over your rates

Consumers need to have an understanding of the factors that help determine the rates you pay for car insurance. Knowing what determines base rates enables informed choices that could result in big savings.

The following are some of the items car insurance companies consider when setting premiums.

  • Policy add-ons can waste money - There are a ton of additional coverages that you can get tricked into buying when buying car insurance. Coverages for vanishing deductibles, accidental death and term life insurance are some examples. They may seem good when you first buy your policy, but if they're wasting money eliminate them to save money.
  • How credit affects car insurance rates - A driver's credit history is a important factor in determining your rates. If your credit score is not that good, you could save money insuring your by spending a little time repairing your credit. Drivers who have high credit scores tend to be better drivers and file fewer claims than drivers with lower credit scores.
  • More people means more accidents - Living in less populated areas is a positive aspect when talking about car insurance. Urban drivers regularly have more traffic problems and a longer drive to work. Less people living in that area translates into fewer accidents and a lower car theft rate.
  • Teen drivers pay high rates - Youthful drivers in Virginia are known to get distracted easily behind the wheel so they pay higher car insurance rates. Parents adding a teenage driver to your car insurance policy can be quite pricey. Older drivers are more responsible, file fewer claims and are safer drivers.

car insurance in Fairfield

Automobile Insurance Quotes in Fairfield, VA

The are a couple different ways of comparing rates from different Fairfield insurance companies. One of the best ways to find the lowest rates consists of obtaining rate quotes online. This is very easy and can be done in just a few minutes using one of these methods.

  1. The fastest way to find the lowest comparison rates is a comparison rater form like this one (opens in new window). This type of form saves time by eliminating separate quotation requests to each individual car insurance company. A single form gets rate comparisons from car insurance companies with the best prices. It's definitely the quickest method.
  2. A slightly less efficient method to shop for car insurance online is spending the time to visit the website for every company you want to comare to complete a price quote. For instance, we'll assume you want to compare , and . To find out each rate you need to go to every website and enter your policy data, which is why the first method is more popular.

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

However you get your quotes, make absolute certain that you use identical information with each company. If your comparisons have higher or lower deductibles it's not possible to make an equal comparison in Fairfield. Slightly different coverage limits may result in a large different in cost. And when quoting car insurance, remember that getting more free quotes helps you find the best price.

Policy discounts you shouldn't miss

Companies don't list all available discounts very clearly, so the following is a list of both the well known as well as the least known discounts you could be receiving.

  • Driver Safety - Taking part in a defensive driving course can save you 5% or more if your company offers it.
  • Anti-lock Brakes - Vehicles equipped with ABS or steering control can reduce accidents and will save you 10% or more.
  • Life Insurance Discount - Larger companies have a discount if you purchase auto and life insurance together.
  • Student in College - Youth drivers living away from home attending college and do not have access to a covered vehicle can receive lower rates.
  • Accident Forgiveness - Certain companies will forgive one accident before hitting you with a surcharge so long as you haven't had any claims for a particular time prior to the accident.
  • Multiple Vehicles - Buying insurance for multiple vehicles with the same company may reduce the rate for each vehicle.
  • Theft Prevention System - Vehicles with anti-theft systems prevent vehicle theft and will save you 10% or more.

It's important to understand that some of the credits will not apply to your bottom line cost. A few only apply to individual premiums such as liability and collision coverage. So when it seems like all those discounts means the company will pay you, it doesn't quite work that way.

To choose insurers who offer car insurance discounts in Virginia, click here.

Save $429 a year? Really?

21st Century, Allstate and State Farm continually stream television and radio advertisements. All the companies have a common claim of big savings after switching to their company. How does each company claim to save you money?

All the different companies have a certain "appetite" for the driver that makes them money. A good example of a profitable customer might be between the ages of 30 and 50, owns a home, and drives newer vehicles. Any driver that hits that "sweet spot" receives the best rates and is almost guaranteed to save when switching.

Potential insureds who don't qualify for these standards must pay more money and this can result in the customer not buying. Company advertisements say "customers that switch" but not "drivers who get quotes" save that much. That is how insurance companies can confidently claim big savings. This illustrates why you need to get a wide range of price quotes. You cannot predict which company will give you the biggest savings.

Insurance agents can help

When buying coverage for your vehicles, there isn't really a perfect coverage plan. Coverage needs to be tailored to your specific needs.

For example, these questions might point out whether your personal situation might need an agent's assistance.

  • Do I really need UM/UIM coverage?
  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • When does my teenage driver need to be added to my policy?
  • Do I pay less if my vehicle is kept in my garage?
  • I have good health insurance, so how much medical payments coverage do I need?
  • What happens if I owe more than my vehicle is worth?
  • Can I afford to buy a different vehicle if my vehicle is totaled?

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, simply complete this short form.

More tips and info about car insurance can be read at the Virginia Bureau of Insurance website. Visitors are able to discover disciplinary actions, find out industry alerts, and view agent and company licensing information.

Other informative sites include this resource for Virginia car insurance prices and this link which helps you find a Fairfield agent.

Fairfield car insurance quote

Final considerations

Low-cost car insurance can be purchased both online and also from your neighborhood Fairfield agents, and you should compare price quotes from both to have the best chance of lowering rates. A few companies may not provide online price quotes and usually these small insurance companies provide coverage only through local independent agents.

When trying to cut insurance costs, make sure you don't reduce coverage to reduce premium. There are a lot of situations where an insured cut full coverage and found out when filing a claim that it was a big mistake. The proper strategy is to buy enough coverage at a price you can afford while not skimping on critical coverages.

Drivers change insurance companies for a number of reasons such as questionable increases in premium, policy cancellation, delays in paying claims or even not issuing a premium refund. No matter why you want to switch, choosing a new insurance company is easier than you think.